Prototype Wave 4 — Settings, error & empty states

Fills the gap between Wave 3 (KYC/AA/MIA states) and the full Phase 1 surface. Covers everything a finished premium wealth app needs but a happy-path demo normally skips — the settings drawer, what happens when things break, and what the app looks like the moment a user walks in with zero data. Aligned to the post-pivot canonical 15-screen brief.

Version 1.1
Date 2026-04-09
Author Vivek Kumar, HoE
Canonical screens 15
Plus bonus 6
Dark theme only

Settings 8 canonical

Settings landing → identity → security → alerts → language (X-PIV-017 Hindi) → subscription → support → DPDP data erasure. Mirrors the IA tested with Vivek's group on 2026-04-08.

PW4-SET-01 Settings home Profile chip + grouped sections list + mode strip + sign-out. Open → PW4-SET-02 Profile Avatar, PAN (masked), email, phone, DOB, nominee — SEBI-locked fields, 24 h edit hold. Open → PW4-SET-03 Security Face ID, PIN, trusted email OTP, active sessions, sign-out all. Open → PW4-SET-04 Notifications Push / Email / SMS / WhatsApp × 7 categories, quiet hours. Open → PW4-SET-05 Language (X-PIV-017) English ⇄ हिन्दी toggle. Live Hindi preview + SEBI-only-English caveat. Open → PW4-SET-06 Subscription Both trial and paid variants stacked. AI credit bar, upgrade ladder One / Edge / Legacy. Open → PW4-SET-07 Help & support Search + FAQ categories + MIA shortcut + ticket raise + SCORES + Smart ODR. Open → PW4-SET-08 Erase my data (DPDP) DPDP Act 2023 erasure flow. What we delete, what SEBI law forces us to keep, two-step confirm. Open →

Error states 4 canonical

Brand voice is calm, not panicked. Each screen gives context, a reason code, and a clear next step. Nothing is a dead end.

PW4-ERR-01 404 · screen not found MIA-voiced redirect: "It's me, not you." 4 escape hatches + path/build/trace meta. Open → PW4-ERR-02 Network offline Cached net worth ₹2.84 Cr, MIA unavailable banner, retry CTA. Open → PW4-ERR-03 Server error (5xx) Trace ID, service, region, status.byldwealth.com link, retry — reassures no money moved. Open → PW4-ERR-04 Crash recovery "Sorry about that" hero, last screen + form draft + MIA chat restorable, anonymised Sentry meta. Open →

Empty states 3 canonical

Inviting, not abandoned. Every empty state leads with MIA and gives the user concrete ways to take the next step — or, when there's nothing to do, celebrates that fact.

PW4-EMPTY-01 Investments · Day 1 MIA welcome + Finvu / CAS upload / manual entry starter cards. Open → PW4-EMPTY-02 Liabilities · debt-free "You're debt-free. Well done." All 5 liability leaves at ₹0, MIA context, 4 next-step actions. Open → PW4-EMPTY-03 Goals · none yet 4 templates: Retirement ₹5 Cr, Education ₹85 L, Emergency ₹18 L, Home ₹1.2 Cr. Open →

Also available 6 bonus

Built during the first round before the canonical brief was revised. Kept because the work has demo value and there's no overlap. Not part of the 15-screen contract.

BONUS Payment methods HDFC / ICICI card faces, UPI, eNACH mandates via MFU Central. (Now also covered by PW4-PAY-02.) Open → BONUS Legal & disclosures SEBI INA reg strip, RIA agreement, fee schedule, IPS, ToS, DPDPA, SCORES, ODR. Open → BONUS Mode switch BYLD Wealth (RIA) ⇄ BYLD Markets (Distribution) — same app, regulatory separation. Open → BONUS Session expired Soft logout after 15 min idle, draft preserved, Face ID unlock. Open → BONUS KYC rejected Reason code KYC-PAN-NAME-MISMATCH, NSDL vs UIDAI diff, 3 paths forward. Open → BONUS MIA history empty 6 starter prompts grid, chat input live, friendly eyebrow copy. Open →