21. Roadmap

Implementation Plan

Phase 1: Foundation (Q4 2024 – Q1 2025) Focus: Build regulatory and technical backbone; prove market fit in Thailand.

· Secure financial licenses (MSO, VASP partnerships).

· Backend + compliance layer (AML/KYC integration, liquidity rails).

· Deploy 10,000 POS devices nationwide in Thailand.

· Launch fiat ramps and card issuance (Visa/Mastercard integration).

· Release developer SDK + complete smart contract audit.

· Launch closed beta on TestFlight (iOS) and Fir.im (Android) for internal + early testers.

Outcome: Thailand pilot delivers 1M+ transactions within first 6 months.

Phase 2: Expansion (Q2 – Q3 2025) Focus: Scale regionally and introduce incentives.

· Market entry into Vietnam, Philippines, Georgia.

· Launch Soft POS app with self-service KYC for micro-merchants.

· Integrate multiple fiat pairs (THB, VND, PHP, GEL).

· Wallet integrations (MetaMask, TrustWallet, etc.).

· Introduce $XCP rewards system: airdrops, merchant vouchers, cashback.

· Google Play listing for PWC Super App (consumer + merchant mode).

· Launch beta on TestFlight (iOS) and Fir.im (Android) for internal + early testers

Outcome: 50,000+ merchants live, $100M+ annualized transaction volume.

Phase 3: Mass Adoption (Q4 2025 – 2026) Focus : Expansion into Indonesia, India, Bangladesh.

· Launch PayWithCrypto Wallet (non-custodial with fiat off-ramp).

· Add merchant loyalty features (token rewards, gamification).

· Integrate cross-border corridor pilots (e.g. THB → INR, VND → PHP).

· Add merchant loyalty features (token rewards, gamification).

· AI Features launch - 2026

Outcome: 200,000+ merchants onboarded, $500M+ annualized transaction volume, strong cross-border remittance flows.

Long-Term Vision

· Pilot Crypto ATMs and SME lending via DeFi.

· Launch crypto-native savings accounts for users.

· Develop AI-powered merchant analytics (sales insights, fraud prevention).

· On-chain merchant reputation system for trust + credit scoring.

· Explore LATAM & Africa market entries with localized partners.

DAO Roadmap & Governance Model

Phase 1 (2025–2026): Foundation and Framework

DAO governance remains centralized but transparent (team-led multisig for the Infinity Fund).
$XCP holders participate in snapshot-based signaling votes on ecosystem decisions (e.g., merchant rewards, partnership grants).
Community Discord/Forum launches for early governance proposals and discussion threads.

Phase 2 (2026–2027): Token-Governed DAO Transition

Formal governance smart contracts are deployed:
Proposal submission framework: Open to $XCP holders meeting a minimum stake threshold.
Voting mechanics: 1 $XCP = 1 vote (with anti-Sybil measures and cooldown periods).
Treasury control: Gradual handover of Infinity Fund disbursement rights to DAO via a time-locked multisig (community + core team split).
DAO categories are established:
Grants Council (startup support, merchant incentives)
Compliance Watchdog (for transparency and audit proposals)
Product/Feature Voting Committee

Phase 3 (2027+): Fully Autonomous DAO

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