Roadmap — Denaro Pay

Q4 2025

Concept and Architecture

Completed

The platform is designed from the ground up. Partner agreements executed and full technical specification completed.

Platform architecture and data model designed across payments, custody, and trading

Partner agreements signed with Coinbase Prime, Circle, Marqeta, and Binance

Six-layer security framework defined with AES-256, Chainalysis, and Sardine

AWS infrastructure blueprint finalized: EC2, RDS, Secrets Manager, WAF

KYC provider selected (Persona), AML provider selected (Chainalysis)

Q1 2026

Full Platform Built

Completed

40+ API endpoints live. React Native app built. All core infrastructure deployed and tested end-to-end.

FastAPI backend deployed to AWS EC2 with PostgreSQL on RDS

React Native Expo app built for iOS and Android

Circle multi-sig USDC wallet provisioning integrated

JWT auth, biometric login, 6-digit PIN fallback, auto-lock

Persona KYC, OFAC screening, and Chainalysis AML wired end-to-end

Institutional trading bot connected to Binance Futures via ccxt

Q2 2026 — Now

Live Integrations and Brand Launch

In Progress

All partner APIs live in production. Brand launched. denaropay.com and denaropay.app serving users globally.

denaropay.com launched with SSL, full page set live

Marqeta virtual Visa card active and linked to USDC wallet

Merchant payment API deployed with QR codes and webhooks

Trading bot executing on Binance Futures in live accounts

Token swap aggregator integrated via LI.FI and 0x Protocol

Whitepaper and roadmap published

Q3 2026

App Store and Google Play Launch

iOS app approved and live on App Store

Android app live on Google Play

Physical Visa card program launched with worldwide shipping

NFC tap-to-pay activated via Expo NFC module

Direct deposit routing numbers issued to US users

Social payment feed, QR codes, split bills, and money requests

First 10,000 users onboarded

Q4 2026

Merchant Platform and Seed Round

Planned

Merchant payment platform opens to the public. Seed round closes. 100,000 active users. Prop firm directory expands.

Merchant platform live with public API and sandbox

Seed round targeting $3M closes

100,000 active users milestone

USDC yield vaults live via Morpho Blue and Aave v3

Prop firm directory expanded to 20+ supported firms

Consistency score engine protecting payout eligibility in real time

2027

Global Financial Network

Vision

1 million active users. $500M in annualized transaction volume. Series A fundraise. Full developer API open to the public.

1 million active users across 150+ countries

$500M annualized transaction volume

Series A fundraise closed

Public developer API with full documentation

Expansion into remittance corridors in Southeast Asia, Latin America, and Africa

Advanced trading analytics and multi-prop-firm dashboards

2028

Long-Term Vision

Long Term

Denaro Pay becomes the default financial layer for the unbanked. Cross-chain, cross-border, and interoperable with global financial infrastructure.

10 million users globally

$5B annualized transaction volume

Multi-currency stablecoin support beyond USDC

Regulated money service business licenses in key markets

Cross-chain atomic settlement across Ethereum, Base, Solana, and emerging L2s

Embedded finance API for third-party applications

Where we are.
Where we are going.

The full technical vision
is in the whitepaper.

Where we are.Where we are going.

The full technical visionis in the whitepaper.

Where we are.
Where we are going.

The full technical vision
is in the whitepaper.