Development Status & Roadmap

✅ Current Implementation Status

Completed & Live Features

Authentication System:

Multi-device WebAuthn passkey management with biometric authentication
JWT session management with 5-day expiration and automatic refresh
Comprehensive development authentication tools for testing and debugging

API Infrastructure:

Complete migration to tRPC with all REST endpoints removed
End-to-end type safety using Zod validation schemas
React Query integration for intelligent caching and synchronization

Wallet Infrastructure:

Gnosis Safe multisig deployment with automated controller key management
Hybrid client-server transaction signing workflow
Real-time transaction monitoring and status tracking

Payment Integration:

DTR and Onramp provider support with unified interface
Cross-provider KYC experience with dynamic form handling
Intelligent quote comparison and automatic optimal routing

Blockchain Monitoring:

Real-time Base network monitoring with comprehensive event processing
Automatic balance tracking and instant user notifications
Comprehensive gas cost analysis in both ETH and USD

Advanced Features:

Task Management System: Asynchronous operation handling with retry logic and failure recovery
Telegram Integration: Real-time notifications and subscriber management for user engagement
Comprehensive Referral System: Multi-level referral tracking with automated on-chain rewards

In Development

Active Yield Strategies:

6 Live Strategies: Aave lending, Morpho P2P optimization, Pendle yield trading, Spectra structured products, Anzen real-world assets, and Harvest yield farming
Multi-Protocol Coverage: Diversified exposure across lending, peer-to-peer optimization, yield trading, and real-world assets
Base Network Deployment: All strategies optimized for Base L2 low-cost environment

Analytics Enhancement:

Advanced performance metrics and reporting
Comprehensive risk assessment tools
Predictive yield modeling and optimization

🚀 Development Roadmap

Payment Infrastructure

✅ Completed: Onramp Integration

Current Status: Onramp payment provider integration is live and operational, providing users with reliable fiat-to-crypto onboarding capabilities.

Features Delivered:

Direct USD to USDC conversion
Integrated KYC compliance
Real-time transaction monitoring
Quote comparison system
Automated routing optimization

🚧 Next: DTR/Virtual Bank Accounts

Target Timeline: Q1 2024

Objective: Implement DTR (Digital Transfer & Remittance) integration to provide virtual bank account functionality for enhanced user experience.

Key Features:

Virtual bank account generation for each user
Direct bank transfer capabilities
Enhanced global coverage through remittance networks
Improved conversion rates and lower fees
Seamless integration with existing KYC infrastructure

🔮 Future: Payment Abstraction Layer

Target Timeline: Q2 2024

Objective: Create a unified payment abstraction layer that intelligently routes transactions across multiple payment providers for optimal user experience.

Key Features:

Intelligent provider selection based on cost, speed, and availability
Automatic failover and redundancy
Unified interface abstracting provider differences
Dynamic routing optimization
Provider-agnostic transaction tracking

🔮 Future: KYC Abstraction Layer

Target Timeline: Q3 2024

Objective: Develop a comprehensive KYC abstraction system that unifies compliance across all payment and service providers.

Key Features:

Single KYC process for multiple provider compliance
Dynamic form generation based on provider requirements
Cross-provider verification status sharing
Automated compliance monitoring and reporting
Regulatory requirement mapping and updates

Yield Strategy Expansion

✅ Completed: Core Strategy Portfolio

Current Status: Three foundational yield strategies are live and generating returns for users.

Active Strategies:

Aave Strategy: Conservative lending providing 3-5% APY through Aave V3 on Base
Morpho Strategy: Enhanced P2P lending optimization delivering 4-7% APY
Pendle Strategy: Advanced yield trading through Principal and Yield tokens achieving 6-12% APY

🚧 Next: Spectra Integration

Target Timeline: Q1 2024

Strategy Details:

Protocol: Spectra Finance structured products
Risk Level: Medium
Expected APY: 5-9%
Mechanism: Structured yield products with principal protection features
Allocation: 15% of portfolio upon launch

🚧 Next: Anzen RWA Strategy

Target Timeline: Q1 2024

Strategy Details:

Protocol: Anzen Finance tokenized real-world assets
Risk Level: Low-Medium
Expected APY: 4-7%
Mechanism: Tokenized asset exposure through AUSD integration
Allocation: 10% of portfolio for diversification

🚧 Next: Harvest Strategy

Target Timeline: Q2 2024

Strategy Details:

Protocol: Harvest Finance automated yield farming
Risk Level: Medium
Expected APY: 4-8%
Mechanism: Automated farming with reward harvesting and compounding
Allocation: 20% of portfolio targeting higher-risk/reward opportunities

Specialized Investment Products (Earn)

🔮 Islamic Compliant Fund

Target Timeline: Q2 2024

Objective: Launch Shariah-compliant investment fund adhering to Islamic finance principles.

Key Features:

Shariah Compliance: All investments screened for Islamic finance compatibility
Profit-Sharing Model: Returns distributed according to Mudarabah principles
Asset Screening: Automated screening for prohibited industries and practices
Certification: Third-party Shariah board certification and oversight
Transparency: Complete transaction and investment transparency

🔮 Gold Investment Product

Target Timeline: Q3 2024

Objective: Provide exposure to physical gold through tokenized gold products for inflation hedging and portfolio diversification.

Key Features:

Physical Gold Backing: Investment in tokenized physical gold reserves
Inflation Hedge: Protection against currency devaluation
Fractional Ownership: Accessible gold investment with small minimums
Global Liquidity: 24/7 trading and redemption capabilities
Storage Security: Professional vault storage with insurance coverage

🔮 Bitcoin Investment Product

Target Timeline: Q4 2024

Objective: Offer Bitcoin exposure through secure, compliant investment products for cryptocurrency portfolio allocation.

Key Features:

Direct Bitcoin Exposure: Investment in Bitcoin through secure custody solutions
Institutional Custody: Bank-grade storage and security measures
Regulatory Compliance: Full compliance with cryptocurrency investment regulations
Dollar-Cost Averaging: Automated investment strategies to reduce volatility
Tax Optimization: Structured for optimal tax treatment

Mobile Application Development

🚧 React Native App Development

Target Timeline: Q1-Q2 2024

Phase 1: Core Application (Q1 2024):

Complete React Native application with full feature parity
WebAuthn passkey integration for mobile biometric authentication
Real-time portfolio tracking and notifications
Secure transaction signing and approval workflows
Complete KYC onboarding and verification process

Phase 2: App Store Distribution (Q2 2024):

iOS App Store submission and approval process
Google Play Store submission and approval process
Over-the-air update system implementation
User analytics and crash reporting integration
Customer support integration and help systems

Technical Features:

Native Performance: Full React Native implementation with platform-specific optimizations
Biometric Security: Touch ID, Face ID, and fingerprint integration
Push Notifications: Real-time transaction and portfolio updates
Offline Capability: Core functionality available without internet connection
Deep Linking: Seamless navigation from external sources

🔮 Advanced Mobile Features

Target Timeline: Q3-Q4 2024

Planned Features:

Apple Pay/Google Pay Integration: Simplified payment processing
Widget Support: Home screen widgets for portfolio tracking
Apple Watch Companion: Basic portfolio monitoring and alerts
Social Features: Portfolio sharing and community features
Advanced Analytics: Detailed performance reporting and insights

Infrastructure & Platform Enhancement

API & Developer Experience

Ongoing: Continuous improvement of development workflows and system reliability.

Key Areas:

Enhanced Development Tools: Automated testing, deployment, and monitoring systems
Comprehensive Testing Framework: Unit, integration, and end-to-end testing expansion
Documentation Excellence: Continuous improvement of knowledge base and API documentation
Developer Onboarding: Streamlined onboarding and training programs
Open Source Contributions: Guidelines and frameworks for community contributions

Security & Compliance

Ongoing: Continuous security hardening and regulatory compliance enhancement.

Key Areas:

Regular Security Audits: Quarterly penetration testing and security assessments
Advanced Fraud Detection: Machine learning-based fraud prevention systems
Compliance Monitoring: Automated regulatory compliance monitoring and reporting
Multi-Chain Security: Security framework expansion for cross-chain operations
Disaster Recovery: Comprehensive business continuity and disaster recovery planning

Performance & Analytics

Ongoing: Advanced monitoring, analytics, and user experience optimization.

Key Areas:

Real-Time Performance Metrics: Advanced monitoring and reporting dashboards
Predictive Yield Modeling: Machine learning-powered yield prediction and optimization
Risk Assessment Tools: Comprehensive portfolio and strategy risk monitoring
User Behavior Analytics: Data-driven user experience optimization
Automated Scaling: Intelligent infrastructure scaling and performance optimization

Recent Updates

tRPC Migration Complete ✅

Complete migration from REST to type-safe tRPC with 15 specialized routers providing comprehensive API coverage.

Enhanced KYC System ✅

Unified compliance system supporting multiple providers with dynamic form generation and seamless user experience.

Transaction System ✅

Comprehensive multi-signature transaction system with WebAuthn integration and real-time monitoring.

This roadmap represents our current planning and may be adjusted based on market conditions, regulatory requirements, user feedback, and technological developments. Regular updates will be provided as we progress through each milestone.

Smart Contracts Overview