Roadmap - AbabilPay Docs

Product phases

Phase	Status	Scope
Phase 1: Wallet & Payments Foundation	Complete	Merchant wallet provisioning, testnet USDC setup, balance sync, basic deposit and transfer flow, transaction history, and webhook handling.
Phase 2: Payment MVP	Complete	Hosted payment intent, merchant payment link, customer testnet checkout, payment status tracking, and basic merchant dashboard.
Phase 3: Merchant Tools	In progress	Invoice creation, sending, and payment flow; refund support; transaction history; API key management; webhook subscriptions; developer quickstart docs.
Phase 4: Cross-chain & Automation	Upcoming	Cross-chain bridge, auto-convert, AI invoice reminders, fraud detection, bridge route optimization, and operational audit logs.
Phase 5: Public Testnet Launch	Planned	Public testnet docs, sample apps, known limitations guide, and full feedback program.

Future capabilities

Feature	Description	Phase
USDC yield	Idle USDC earns yield through integrated lending protocols.	4
QR POS payments	Physical store checkout by QR scan.	4
AI expense categories	Agent tags transactions automatically for merchant accounting.	3
Subscription engine	Recurring billing with auto-charge for SaaS and subscription merchants.	3
White-label SDK	Embed AbabilPay under your own brand — for fintechs and platforms.	3
Carbon offset	Optional micro-donation per transaction for ESG-conscious merchants.	4
Loyalty points	Consumers earn fee-discount points for paying with AbabilPay.	4
AI price recommendations	Agent suggests invoice pricing based on market and customer history.	4

One-line pitch

AbabilPay is Stripe for the crypto economy: USDC-native, multichain, low-volatility for merchants, and powered by an AI agent layer that automates payment operations.