Case study ds/liquid · M1 Finance · 2022–2024

Building Liquid: M1's first design system

When I joined M1 Finance there was no design system — just duplicated work and inefficiency. I identified the gap, advocated for the investment, and built Liquid from the ground up. Within 12 months it reached 80% company-wide adoption and improved team efficiency by 30%, helping M1 ship faster in a competitive fintech market.

Role
Design System Lead
Timeline
Aug 2022 – May 2024
Team
Solo, then DS Manager + designer + PM
Platforms
React.js · Jetpack · Swift
Two M1 Finance mobile app screens built on Liquid: a home dashboard showing net worth, assets, and liabilities, and a portfolio view with a donut chart of holdings.
FIG 01 The M1 mobile experience, rebuilt on Liquid components.

Impact

Outcomes

Design defects surfacing in QA dropped significantly, and teams stopped paying a per-project tax to rebuild foundations that already existed.

The problem

Moving fast, building slow

M1 operates in a fast-paced fintech environment where speed to market is critical. When crypto got hot, we needed to ship quickly to capitalize on market momentum — but our reality didn't match our ambitions. The team wasn't working inefficiently by choice; they lacked the infrastructure. We needed a design system, and no one had built one at M1 before.

What I observed

Building the case

Data-driven advocacy

Securing organizational buy-in and resources required more than conviction — it required evidence. I surveyed designers and engineers across the company with specific questions: How much time per sprint do you spend clarifying design requirements? How often are design defects found in QA? What slows down your workflow?

The findings were clear: teams spent 2–3 days of every two-week sprint on avoidable design-related work — roughly 20–30% of their capacity.

Building coalition

I took a methodical approach to gaining support:

The team was open-minded but inexperienced with design systems. I positioned Liquid not as a design tool, but as an investment in organizational efficiency.

Foundation

Building Liquid from zero

I established three north-star principles, aligned to our business and design principles, to guide every team decision:

Governance

Starting centralized, on purpose

I chose a centralized governance model intentionally:

Flowchart titled 'New components into the design system,' mapping how a new pattern request moves from product need through design and engineering syncs to a decision, with swim lanes for design and engineering responsibilities.
FIG 02 Component intake flow — every new pattern request routed through a shared, documented decision path.

Prioritization framework

A simple two-question framework kept the backlog honest:

This kept us focused on high-impact work and prevented us from building components no one would use.

Asana board for the Liquid Design System with columns for requests, backlog, triage, on deck, in progress, and under review, populated with component and documentation tasks.
FIG 03 The Liquid backlog — requests triaged against team demand and project dependency.

Establishing rituals

To maintain momentum and alignment, I created structure:

Slack workspace showing the design-system-committee channel, where designers and engineers review a new accordion component proposal, assign code snippet work, and share accessibility testing updates.
FIG 04 The #design-system-committee channel — where proposals, reviews, and accessibility findings moved asynchronously.

Governance · pinned layout test

Starting centralized, on purpose

01 / 03 — the model

Centralized by design

  • All contributions flowed through me for quality control.
  • Engineers could propose components or follow a defined process to add to the backlog.
  • I finalized components, documented them, and managed releases.

02 / 03 — the backlog

A two-question prioritization framework

  • Team demand — how many teams need this component?
  • Project dependency — is this blocking a current initiative?

This kept us focused on high-impact work and prevented us from building components no one would use.

03 / 03 — the rituals

Structure that maintained momentum

  • Two weekly meetings — one for designers, one for engineering.
  • Two Slack channels — announcements and async collaboration.
  • Weekly updates — progress, upcoming work, and adoption metrics.
Flowchart mapping how a new pattern request moves from product need through design and engineering syncs to a decision.
FIG A Component intake flow.
Asana board for the Liquid Design System with columns from requests through under review.
FIG B The Liquid backlog, triaged against demand and dependency.
Slack design-system-committee channel with a component proposal under review.
FIG C Async collaboration in #design-system-committee.

The turning point

The 9-month redesign

While we built Liquid incrementally, adoption stayed slow. Components existed, but teams weren't consistently using them. We needed a catalyst.

Then the opportunity surfaced: executives wanted the product to match our premium brand. Engineering leadership supported overhauling the codebase to improve performance and reduce technical debt. Design leadership wanted the brand to feel more premium and trustworthy. I saw the chance to align all three initiatives with Liquid adoption.

The strategy: use the redesign as the vehicle to rebuild every pattern and style on top of Liquid.

Side-by-side comparison of M1's home and invest experiences before and after the redesign, across desktop and mobile — the redesign shows a unified navigation, clearer hierarchy, and consistent Liquid components.
FIG 05 Home and Invest, before and after — every pattern rebuilt on Liquid.

Execution

Over nine months, I led the redesign while simultaneously:

This wasn't a visual refresh — it was a complete rearchitecture of how we built products at M1.

Annotated mobile screen spec mapping every background and foreground element to a semantic token — header, card, and tab bar surfaces to background tokens; titles, section headers, and CTAs to foreground and type-style tokens.
FIG 06 Semantic token annotations — every surface and text style in the redesign mapped to a named token, not a hex value.
Isometric spread of redesigned M1 screens across Invest, Spend, and Borrow surfaces on web and mobile, all built from the same Liquid component set.
FIG 07 Invest, Spend, and Borrow — one component set, every surface.

Results

Adoption through strategy, not mandate

We reached 80% company-wide adoption by tying Liquid to a strategic business initiative rather than asking teams to adopt it on faith.

For most of the project I operated solo — building components while managing governance, advocacy, and adoption. The dual role was demanding but strategic. The breakthrough came when I presented the 30% efficiency improvement to leadership: it unlocked resources, I was promoted to Design System Manager, and the team grew to include a designer and a PM for backlog management and communications.

Cultural shift

The impact went beyond metrics. Liquid became part of M1's identity — we even made t-shirts. It transformed how teams worked together and established design as a strategic function, not just a service organization. By the time I left, Liquid was being extended into marketing assets.

Stacks of folded navy t-shirts printed with the Liquid design system logo, laid out on an office table.
FIG 08 When your design system gets merch, adoption is no longer the problem.

Reflection

It's really about people

The most important lesson: a design system is not a project with an end date. It's living infrastructure that evolves with the organization. Success isn't building it — it's maintaining momentum and adoption over time.

The technical work of building components is table stakes. The harder, more important work is: