# 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 --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.evopay.me/roadmap/p2pbl-and-utility-expansion-layer.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.