Roadmap
Localcredit is under active development with a clear, phased approach to deliver a robust, privacy-first credit oracle. The roadmap focuses on security, usability, and ecosystem growth while remaining fully decentralized and neutral.
Current Status (January 2026)
Beta Phase: Closed beta with select partners and early users.
Core Features Live: Telegram Mini App, basic scoring, TON wallet integration, REST API, sandbox environment.
Audits in Progress: Smart contracts and ZK circuits undergoing independent security audits.
Q1 2026 – Mainnet Launch & Core Stability
Public mainnet deployment on TON and EVM chains (Ethereum, Polygon, Arbitrum, Base).
Verified contract addresses and full audit reports published.
Expanded verifications: Email, Phone, X/Twitter, Traditional Credit (Experian, TransUnion, Equifax in major markets).
JavaScript/TypeScript SDK v1.0 release with full documentation.
On-chain oracle queries live for TON and EVM.
Basic staking for $CREDIT boosts.
Q2 2026 – Ecosystem Expansion & Usability
KYC/AML integration (optional Tier 3 verification) with leading privacy-focused providers.
VADER-enhanced social scoring for active X users.
Deep linking and seamless redirect flows fully documented and supported.
Opportunities feed launch – curated offers from early lending partners.
Multi-wallet linking expanded (Solana, Bitcoin address proofs).
Developer grants program for high-impact integrations.
Q3 2026 – Advanced Features & Cross-Chain
Full cross-chain support via LayerZero/CCIP oracles (all major EVM L2s + Solana).
Federated model retraining using anonymized outcome reports.
Score simulation tools in the dashboard (“What-if I repay early?”).
Governance DAO launch – $CREDIT holders vote on weight adjustments, new data sources.
Mobile SDKs for React Native / Flutter.
Q4 2026 & Beyond – Scale & Inclusion
Additional traditional credit bureaus (India CIBIL, Australia illion, etc.).
Proof-of-personhood options for maximum sybil resistance.
Enterprise-tier subscriptions and SLAs for large lenders.
Insurance, rental, and employment use cases (non-lending integrations).
Global unbanked focus: Localized verifications and offline-capable flows.
Guiding Priorities
Security First: No feature ships without thorough audits and testing.
Privacy Never Compromised: All new signals must use zero-knowledge or data-minimization techniques.
Community-Driven: Major changes go through transparent DAO governance.
Inclusive Growth: Features that benefit underserved users (migrants, unbanked, crypto natives) are prioritized.
The roadmap is flexible and will adapt based on community feedback, audit outcomes, and ecosystem needs. We ship incrementally to ensure stability at every step.
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