# 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.

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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\ <br>

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

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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.

&#x20;Long-Term Vision<br>

·         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.

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DAO Roadmap & Governance Model &#x20;

&#x20;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

* $XCP governance fully controls:
* Treasury disbursement
* Token emissions
* Ecosystem partnerships
* Feature releases and cross-chain deployments
* Smart contract upgradeability is gated behind governance votes

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