# Roadmap

#### **UmbraPayOS ($UMB) Roadmap**

**Phase 1 — Foundation & Protocol Genesis**

**Focus:** Core development and prototype validation

* [ ] Design and implement **x402 payment layer** for offline transaction synchronization.
* [ ] Develop **ZK-NFC wallet prototype** (mobile-first) enabling tap-to-pay private transfers.
* [ ] Integrate **Zero-Knowledge Ephemeral Proofs** for addressless transaction verification.
* [ ] Begin internal testing for **offline-to-online synchronization** using local storage queues.
* [ ] Deploy initial **testnet smart contracts** on Solana and compatible EVM chains.
* [ ] Publish the **UmbraPayOS Whitepaper v1** and open developer documentation.

**Phase 2 — Network Expansion & Early Adoption**

**Focus:** Build ecosystem tools and expand usability

* [ ] Launch **UmbraPayOS Beta App** for Android and iOS with limited region access.
* [ ] Introduce **AI-Risk Filter Engine** for anomaly detection and double-spend prevention.
* [ ] Begin **pilot partnerships** with retail vendors, vending machine operators, and local merchants.
* [ ] Release **hardware NFC terminal prototype** (open-source design).
* [ ] Initiate **UmbraPay Developer Program (UDP)** to onboard builders and integrators.
* [ ] Conduct **security audits** for ZK and offline protocols to ensure compliance and safety.

**Phase 3 — Mainnet Deployment & Decentralized Scaling**

**Focus:** Decentralization, scaling, and interoperability

* [ ] Launch **UmbraPayOS Mainnet** with fully decentralized settlement layer.
* [ ] Enable **multi-chain compatibility** across major EVM ecosystems (ETH, Base, Polygon, BSC).
* [ ] Introduce **Umbra Node Network**, allowing users to host local sync points for offline transactions.
* [ ] Deploy **x402 payment relay** for bridging offline receipts to blockchain consensus.
* [ ] Begin **governance framework** for community voting via $UMB token staking.
* [ ] Partner with **hardware manufacturers** to embed UmbraPayOS modules in POS terminals.

**Phase 4 — Global Rollout & Financial Autonomy**

**Focus:** Real-world integration and ecosystem maturity

* [ ] Expand **merchant adoption** through strategic onboarding and payment SDKs.
* [ ] Launch **UmbraPay Visa/Mastercard bridge** (optional custodial layer) for hybrid usage.
* [ ] Enable **AI-based dynamic transaction routing** for optimal latency and privacy balance.
* [ ] Establish **Umbra Foundation DAO** for ecosystem grants, education, and open innovation.
* [ ] Expand **regulatory-compliant gateway modules** for optional fiat settlements.
* [ ] Position UmbraPayOS as the **universal protocol for private Web3 tap-to-pay systems**, bridging digital assets with real-world commerce.
