When you open the Monzo app (at least on Android), it takes a while to show the current balance. I presume this is while the app fetches this information from the internet. If you’re offline, the balance doesn’t appear at all.
This can be annoying when you’re in a shop with no connectivity and you want to know if you have enough money on the card to make the purchase.
Would it be a good idea to instantly display a cached offline balance in a grey colour, before it gets updated to the correct value?
Chances are these two values would be the same, and it would improve usability especially in the beta stages, where people choose to keep small sums of money on their Monzo accounts.