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

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