# Roadmap

**Roadmap**

| Phase       | Milestone                                                                                                                             | Target  |
| ----------- | ------------------------------------------------------------------------------------------------------------------------------------- | ------- |
| **Phase 1** | Protocol MVP: USDC deposits, ZrUSD minting, Centrifuge vault, Swarm X live                                                            | ✅       |
| **Phase 2** | USSD interface via Kotani Pay; Yellow Card, mobile money fiat ramp (Kenya, Nigeria, Botswana, Tanzania, South Africa, Zambia, Malawi) | Q3 2025 |
| **Phase 3** | ZrUSD Visa/Mastercard card via PurpleX for real-time spending                                                                         | Q4 2025 |
| **Phase 4** | Full DAO activation, ZFI staking, governance voting                                                                                   | Q4 2025 |
| **Phase 5** | Multi-country USSD expansion (Ghana, Mali, Uganda)                                                                                    | Q1 2026 |
| **Phase 6** | Launch of Insurance Layer + Underwriting Vaults                                                                                       | Q2 2026 |
| **Phase 7** | Agent-based DeFi onboarding (rural cash agents)                                                                                       | H2 2026 |