When we closed our seed round, we made a commitment to our users: build faster, ship more, and do it transparently. This roadmap is that transparency in practice.
Here’s what we’re building across 2026, quarter by quarter, and why each piece matters for the people using Arcvest.
Q1 2026 — Foundation
Mobile apps. iOS and Android.
The web app works. But we know that for the majority of our users — freelancers in Lagos, workers in Manila, remote teams across Latin America — the phone is the primary financial device. Native iOS and Android apps are our Q1 priority.
What mobile unlocks: biometric login, push notifications for Arc Intelligence alerts, faster on-ramp flows, and an experience that feels as native as the banking apps people already trust.
Money Transmitter Licensing — first markets.
Operating compliantly at scale requires proper licensing. We’re filing for Money Transmitter Licenses in our priority markets in Q1. This is unglamorous work. It’s also essential — it’s what lets us expand fiat withdrawal options, increase daily limits, and deepen banking partnerships that make the last mile of every transfer smoother.
Q2 2026 — Intelligence
Arc Intelligence — full release.
Arc, our AI agent, has been in limited beta. Q2 is the full release.
What full Arc Intelligence looks like: natural language commands that actually execute (“Send $300 to David” → done), automated recurring payments, price-triggered swap rules, portfolio rebalancing on a schedule you set, and smart alerts that surface the right information at the right moment without flooding your notifications.
The goal with Arc is not to make you a more active financial manager. It’s to make you a less active one — with better outcomes. Set your rules once. Arc handles it.
Gas optimization engine.
We’re shipping a background gas optimization layer in Q2. For non-urgent swaps, Arc will monitor gas conditions and execute at the lowest-cost window within your defined timeframe. For users swapping regularly, this compounds into meaningful savings over time.
Q3 2026 — Expansion
Multi-chain support — Solana and beyond.
Arcvest currently operates on Ethereum, Polygon, and Base. Q3 brings Solana, expanding the assets available in the DEX and opening up a user base that’s been asking for it since day one. Additional chains — Arbitrum expansion, potential Sui integration — are under evaluation based on user demand data.
New yield strategies.
Our current 6% APY is sourced from Aave and Compound — battle-tested, transparent, reliable. In Q3, we’re adding additional yield sources: tokenized real-world assets (T-bills on-chain via Ondo Finance), Maker’s DSR, and selective higher-yield options with explicit risk disclosure for users who want them.
We’re also introducing yield tiers — a Safe Mode (cold storage, 0% yield, maximum security), Standard Mode (current 6% from established protocols), and a Growth Mode (higher-yield sources, clearly marked risk). Users choose. We execute. No hidden risk, no opaque strategy.
Geographic expansion — LatAm and Eastern Europe.
Nigeria, the Philippines, and India are our launch markets. Q3 begins our structured expansion into Mexico, Brazil, Argentina, Ukraine, and Poland. Each market requires local banking partnerships for fiat off-ramps — this groundwork starts in Q2 to hit Q3 availability.
Q4 2026 — Scale
B2B API — public launch.
The Arcvest infrastructure that powers our consumer app is available to other platforms through our API. Q4 is the public launch of the Arcvest B2B layer.
What this means in practice: freelance platforms can offer instant USDC payouts to their workers. Payroll tools can pay global teams without wire fees. Neobanks can embed stablecoin yield and DEX access without building the infrastructure themselves.
Revenue model: per-transaction API fees and revenue-share arrangements. If you’re building something where global payments, stablecoin yield, or DEX access would improve your product, reach out.
Arcvest Pro — full feature set.
Our premium tier, Arcvest Pro, launches in Q4 with the complete feature stack: higher yield tier access, unlimited Arc Intelligence automations, priority swap execution, advanced portfolio analytics, and same-day withdrawal processing. Pricing and details will be announced closer to launch.
10,000 users milestone.
By end of Q4, we’re targeting 10,000 active users — defined as users with a balance or at least one transaction in the trailing 30 days. This is the threshold at which our unit economics are fully proven and our Series A conversation begins.
What doesn’t change
Through all of this — the new features, the geographic expansion, the B2B layer — three things stay fixed.
Zero KYC on the DEX. Always. No circumstances under which we add identity requirements to non-custodial trading.
Transparency on yield. Every source disclosed. Every risk rated. No strategy that we wouldn’t explain clearly to a user in one paragraph.
User control. Arc Intelligence suggests, optimizes, and executes — but only within rules you define, and you can pause or override it at any time. Your money, your rules. We automate the execution.
This is the roadmap. We’ll ship against it, report on it, and update it publicly when things change — because they always do.
If you’re not on Arcvest yet, here’s where to start. If you have feedback on what we’re building, we want to hear it.
