Roadmap

The roadmap includes infrastructure, user-facing products, and protocol extensions.

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