Delivery roadmap and open decisions
Status: Indicative phases, not committed dates.
Phase 0 — Commercial and legal validation
Confirm initial merchant requirements and letters of intent; select candidate regulated partners; validate custody and debt-discharge structure; obtain processing, safeguarding and payout quotes; establish fee and liability model.
Phase 1 — Product foundations
Set up environments, authentication, merchant onboarding, consumer accounts, tenant authorization, audit events, token-vault integration and consent capture. Define API contracts and database schema.
Phase 2 — Collection MVP
Implement bill ingestion, scheduling, consumer notifications, primary method collection, eligible fallback, provider webhooks, operational dashboard and merchant status webhooks. Build deterministic sandbox test cases.
Phase 3 — Funds control
Implement immutable ledger, settlement ingestion, reconciliation, payout eligibility, daily aggregated payouts, refunds/disputes and monthly merchant billing. Rehearse exception and partner-outage scenarios.
Phase 4 — Pilot and readiness
Complete legal, compliance and security launch gates; run a limited merchant pilot; verify reconciliation against actual partner files; monitor conversion, collection outcomes, dispute rates, payout delays and support load.
Explicitly deferred
Stored-value wallet, lending/payment guarantee, broad international rollout, complex multi-partner routing and unnecessary microservices.
Open decision log
| Decision | Owner | Required evidence |
|---|---|---|
| Custody and licensing model | Founders + counsel | Written legal advice and partner agreement |
| Collection partner | Founders | Pricing, integration, safeguarding and payout capability |
| Debt discharge point | Founders + counsel | Merchant terms and legal opinion |
| Payout timing and reserve policy | Product + finance | Settlement/chargeback exposure analysis |
| Payment retry rules | Product + partner | Scheme/provider constraints and consent terms |
| Hosting and queue provider | Engineering | Security, cost and operational assessment |
Track proposals in GitHub Issues and update the decision register once agreed.