P2PBL & Utility Expansion Layer

Phase 3

• Deployment of Peer-to-Peer Lending and Borrowing infrastructure

  • Unsecured lending: request-based ETH transfers with transaction tracking and repayment agreements

  • Secured lending: token collateral locking, variable interest rates, and automated smart contract enforcement

  • Loan customization: user-defined terms, repayment schedules, and security triggers (e.g. liquidation)

  • Built-in tracking via Telegram bot with real-time alerts and repayment stats

• Full release of EvoPay AI Agent with automated financial planning, goal setting, budget enforcement, and savings recommendations

• Multi-language support for key regions, enabling localized bot experiences

• NFT-based username ID system with optional verification and reputation layers

• Introduction of fiat on-ramp services via 3rd-party partners to enable easier access to the EvoPay ecosystem

• Launch of upgraded privacy routing system with enhanced relay mechanisms and customizable sender anonymization

• Merchant dashboard rollout to onboard small businesses, content creators, and service providers to accept and manage crypto payments