Roadmap
Epay’s growth strategy is structured in phases, each designed to progressively expand functionality, deepen integration, and scale global adoption. The roadmap prioritizes building a strong compliance and technical foundation before moving into broader markets and advanced financial modules.
Phase 1: On/Off-Ramp Integration
The first phase focuses on building the core entry and exit points into the Epay ecosystem.
On-Ramp: Users can seamlessly convert fiat into stablecoins through integrations with cards, bank transfers, and mobile money providers.
Off-Ramp: Stablecoin balances can be redeemed into local fiat via bank payouts, mobile wallets, or cash pickup networks.
Partner Integrations: Epay will collaborate with regulated providers similar to Transak and MoonPay, ensuring reliable fiat connectivity in key corridors.
Compliance Foundation: This phase establishes KYC/AML onboarding standards, setting the stage for scalable regulatory alignment.
This phase ensures that users can reliably move between fiat and stablecoins, creating the foundation for all subsequent services.
Phase 2: B2B Payments & Merchant APIs
Once the on/off-ramp infrastructure is established, the next step is to unlock utility for businesses and merchants.
Merchant Checkout APIs: Businesses can accept stablecoin payments directly, with settlement options in either digital assets or fiat.
Invoice Generation: Tools for generating invoices denominated in fiat or stablecoins, payable through Epay’s infrastructure.
Bulk Payments: Enterprises gain access to APIs for disbursing salaries, vendor payments, and affiliate payouts at scale.
Ecosystem Partnerships: Epay positions itself as a service layer for fintechs, marketplaces, and wallet providers seeking embedded payments solutions.
This phase transforms Epay from a simple remittance solution into a merchant-ready and enterprise-ready platform.
Phase 3: Multi-Chain Liquidity & DeFi Treasury
The third phase expands Epay’s technical depth, focusing on capital efficiency and liquidity resilience.
Multi-Chain Settlement: Stablecoin transfers route across Ethereum L2s, Solana, Stellar, and Polygon to optimize speed and cost.
Bridging Infrastructure: Secure cross-chain mechanisms allow users and businesses to settle across multiple blockchains without friction.
DeFi Treasury Management: Idle stablecoin reserves are allocated into regulated yield opportunities or risk-managed DeFi protocols, enhancing liquidity efficiency.
Treasury Dashboard: Enterprises gain access to advanced liquidity management, automated hedging, and real-time treasury analytics.
At this stage, Epay matures into a multi-chain financial infrastructure, with robust liquidity and yield management capabilities.
Phase 4: Expansion into 100+ Markets
The final stage of the roadmap focuses on global scale and ubiquity.
Anchor Network Expansion: Licensed partners (anchors) onboarded in new markets to handle local fiat in/out flows.
Localized Compliance: Regulatory frameworks such as MiCA in Europe, CBN in Africa, and FinCEN in the U.S. integrated into operations.
Consumer Modules: Launch of loyalty rewards, Earn products, and regional bill payment integrations to drive end-user adoption.
Global Coverage: Epay becomes operational in 100+ countries, enabling universal access to compliant, stablecoin-powered payments.
This phase establishes Epay as a global financial infrastructure layer, bridging fiat and digital assets across continents.
Key Takeaway
Epay’s roadmap follows a layered progression: first establishing strong fiat connectivity (Phase 1), then enabling merchant and enterprise use cases (Phase 2), followed by advanced liquidity and treasury functionality (Phase 3), and finally achieving global scale through regulatory-compliant expansion (Phase 4).
Last updated