> For the complete documentation index, see [llms.txt](https://docs.evopay.me/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.evopay.me/roadmap/p2pbl-and-utility-expansion-layer.md).

# 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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