Roadmap · five phases
From copilot to full financial OS.
KREXUM ships in five phases. Each phase unlocks a new module, a deeper trust capability, and a wider geographic reach. Phase 1 is live today. The rest is on the way.
Q1-Q2 2026
Foundation
● Live now
- ›Protocol architecture & smart contracts
- ›AI agent v1 (EARN + INVEST modules)
- ›Token launch (IDO) & DEX listing
- ›Basic staking & governance
- ›Waitlist & early access program
Q3 2026
Expansion
○ Upcoming
- ›PAY module with virtual cards
- ›SAVE module with smart vaults
- ›Agent strategy marketplace
- ›Mobile app launch (iOS + Android)
- ›Phase 1 → Phase 2 trust roadmap unlock (bounded autonomy)
Q4 2026
Credit & Circles
○ Upcoming
- ›CREDIT module with on-chain scoring
- ›zk-Credit Credentials MVP (privacy layer)
- ›Circles (group savings) launch
- ›Multi-chain deployment (Arbitrum, Base)
- ›Institutional API access
Q1 2027
Scale
○ Upcoming
- ›PROTECT module (insurance, hedging)
- ›SPEND module with physical cards
- ›Agent-to-agent communication protocol
- ›VARA VASP license application (Phase 3 trust roadmap)
Q2 2027+
Global
○ Upcoming
- ›Multi-language AI agents
- ›Emerging market focused products
- ›Enterprise & B2B agent solutions
- ›Cross-protocol interoperability
- ›Full financial OS
Trust roadmap
Autonomy is earned, not promised.
The product roadmap and the trust roadmap run in parallel. Phase 1 (now): copilot, non-custodial. Phase 2 (2027): bounded autonomy via Base session keys. Phase 3 (2028+): full autonomy under VARA VASP license. Read more on the homepage.