// remi│ton · roadmap · deck §12 verbatim ┌────────────────────────────────────────────────────────────────────────────┐ │ ┬─┐ ┌─┐ ┌┬┐ ┬ ┌┬┐ ┌─┐ ┌┐┌ foundation → scale → full suite · 18 months│ │ ├┬┘ ├┤ │││ │ │ │ │ │││ │ │ ┴└─ └─┘ ┴ ┴ ┴ ┴ └─┘ ┘└┘ phase 1 ships now · phase 2 sub-cards + AI │ └────────────────────────────────────────────────────────────────────────────┘

// ROADMAP · three phases · eighteen months

three phases. eighteen months.

Foundation lands the rail. Scale lands the household. Full Suite lands the wealth and protection layer on top. Every bullet is deck §12 verbatim · nothing on this page is aspirational copy that the deck did not commit to.

PHASE 1

Now → 6 months

Foundation · Rails + Send

CoinMe + Paxos USDG on-ramp / off-ramp · live
OpenFX FX conversion integrated at 15bps
Column N.A. US fiat spine · ACH · RTP · FedNow
US → India, US → Philippines, UAE → India corridors live
AUSTRAC DCE registration filed (Jul 29 2026)
FinCEN MSB registration complete
Auto e-FIRA generation for every India transfer
Referral program and ambassador network launched

PHASE 2

6 → 12 months

Scale · Family Wallet + AI

Family shared wallet and sub-card issuance
Standing orders and pre-approved recurring transfers
AI cash-flow coach beta · sender-side
UK → Nigeria corridor live
Australia → India corridor · pending OpenFX AUD timeline
ASIC AFSL application filed
Plaid bank linking + credit data pipeline
Gig platform EWA API integrations · 2-3 platforms

PHASE 3

12 → 18 months

Full Suite · Invest + Cover

Invest Home · tokenized Indian equities via Dinari / Ondo
Agentic investment wallet with user-defined policy
Family insurance product via regulated insurer partner
Working capital loans · AI credit underwriting
GIFT City IFSCA PSP licence application
5+ corridors · 500K+ users
Series A fundraise targeting $10-20M GMV / month

// GATES · what each phase needs before it ships

The honest dependency tree.

Phase 2 sub-card issuance is gated on a card-network sponsor on each receive side. Until that lands, sub-cards stay parked behind FEATURE_SUBCARDS.
Phase 2 UK → Nigeria depends on NIBSS settlement and a UK-side EMI bench (FCA APR registration in flight).
Phase 3 Invest Home depends on a regulated product partner on each receive side (Dinari / Ondo on the deck). Until then the surface stays parked behind FEATURE_RWA.
Phase 3 family insurance depends on a regulated insurer partner and per-corridor underwriting; we will not ship a cover product without an insurer name on the receipt.
Phase 3 working-capital loans depend on the AI credit underwriter graduating from the data-moat pilot. Cited on the AI intelligence page.

Track the build with us.

▸ Four corridors live todayCSee the schedule$