> For the complete documentation index, see [llms.txt](https://docs.earnpark.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.earnpark.com/business-whitepaper/roadmap.md).

# RoadMap

EarnPark plans to achieve its primary goal of capital growth and expand platform functionality through a series of development stages. In the initial phase, we are focused on the following key initiatives:

**Mobile applications:** Ensuring convenient and fast access to the platform via mobile devices, which will significantly improve user experience and broaden accessibility.

**Swap functionality:** Introducing the ability to rebalance portfolios through swaps, allowing users to hold assets on the platform without withdrawing funds. This will enhance asset management flexibility and improve user retention on the platform.

**New assets and strategies:** Continuously expanding the range of available assets and introducing investment strategies with a focus on a smooth transition to DeFi. This will allow users to maximize returns by utilizing a combination of CeFi and DeFi tools.

**Deposit locks and portfolio analysis:** Adding functionality for locked deposits and portfolio analysis tools to optimize investment strategies in line with users' individual financial goals.

**Token integration:** Alongside platform development, the platform will gradually implement and integrate mechanics for using the PARK token within the ecosystem, starting with APY Boost and evolving into more complex risk management and fee-related functions.

Once the key components are implemented, the platform aims to introduce additional banking and DeFi tools to create a comprehensive web3 fintech product that can be used by users in their daily lives. 

### Among the key features:

**Savings account with up to 5% yield:** Users will be able to earn interest on their balance by leveraging a hybrid CeFi and DeFi system.

**Borrowing tools:** Introducing a lending product to extend the functionality of the platform, giving users the ability to manage capital through borrowing.

**Self-custody wallets:** Implementing wallets for self-managed asset storage, providing users with full control over their funds and security. This is a key vector in the platform’s move towards decentralization.

### Stages and timelines:

**Phase 1** (Q4'24): Legal structure for token sale

**Phase 2** (Q4'24): PARK Lounge launch

**Phase 3** (Q1'25): Mobile Apps for iOS and Android (v.1)

**Phase 4** (Q2'25): Token Sale (Tier 1-2) & Token mining

**Phase 5** (Q2'25): Portfolio analytics v.1

**Phase 6** (Q3'25): Transaction history

**Phase 7** (Q3'25): Proof of Reserves

**Phase 8** (Q4’25): DeFi IL Mitigation Protocol (MVP)

**Phase 9** (Q4’25): Token staking

**Phase 10** (Q4'25): Token Sale (Tier 3)

**Phase 11** (Q1'26):

* Token Sale (Tier 4)
* Perp Vault strategies
* Mobile apps: PIN and biometrics
* Strategy performance charts v2

**Phase 12** (Q2'26): 

* Token Sale (Tier 5, 6) and Launchpad
* TGE and Token listing
* On-chain vesting
* PARK Points Converting
* Passkey authentication
* Public vesting page
* Earn / Advanced Yield risk selector

**Phase 13** (Q3'26):

* PARK Staking
* DEX listing
* PARK token page
* Earn and Portfolio split
* Referral program v.2
* EarnPark Trust Center
* Mobile onboarding and push notifications
* PARK / USDT swap on the platform

**Phase 14** (Q4'26):

* On-chain staking
* Mining v.2
* APY Boost (VIP tiers)
* Fee discounts via PARK
* Risk insurance for strategies
* On-chain Proof of Reserves (validator-signed)
* On-chain strategies on the platform
* Tax reports for EU users

**Phase 15** (Y'27):

* Governance
* PARK validator network
* Proof of liabilities
* Token utility expansion
* AI Investment Assistant
* EarnPark Debit Cards
* Wallet as a product in Portfolio
* New strategy page
* Extended portfolio statistics
* US Market Entry

<mark style="color:green;">Note:</mark> <mark style="color:green;">The roadmap may be adjusted based on market conditions and product priorities.</mark>

These steps will position EarnPark as a versatile platform for managing digital assets, where users can not only generate returns but also effectively manage risk and leverage cutting-edge CeFi and DeFi tools.