Wealthsimple UI/UX Optimization Review

I need a concise yet insightful UI/UX critique of Wealthsimple’s saving, spending, and moving money section. My top priority is finding ways to make tasks faster and simpler, with an immediate spotlight on the “Sending money to another person” flow.

Please walk through the current journey on both mobile and web, time each step, collect friction points, and explain why a user may hesitate or drop off. From there, translate the issues into clear, actionable recommendations. I would also appreciate low-fidelity sketches or annotated screenshots that demonstrate how each fix could look in practice.

Deliverables
• A short report (figma flow ) summarising the end-to-end flow of every functionality inluding trading stoks and crypto

Success is a document that I can use as a ui ux flow documentation for all the functionality