I find it amazing that someone’s taken the time to give their own ideas openly in a mockup, it’s much better than just speaking your idea, kudos for that!
Personally, I find it difficult to understand, there’s not a single phone that looks like that, therefore in a real-life phone situation it’s not standing out to me as a viable option. If it was on a phone-in-hand mock-up, it might look more interesting, and stand out better in a real situation.
On the “CARD” tab, I do like the dropdowns on the TOPUP and PAY/REQUEST buttons, perhaps a bit deep and dark but I get the diea, however I’d like to see a “Hover/Active/Focus” state to see how it’d look.
I’m not keen on the Active/Freeze button, just seems weird to me in all honesty.
I like the graph on WALLET, however I’m not quite sure what “WALLET” actually is for. And I think the graph may need a KEY to define what the changes are.
I think there’s too many drop-shadows in total, a good project to relate this to is “Material Design” they have just the right mix of Non-Shadowed and Shadowed objects/panels/buttons.
All-in-all, good attempt Nicolas!