> ## Documentation Index
> Fetch the complete documentation index at: https://docs.ababilpay.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Roadmap

> AbabilPay product phases — from testnet launch to full production.

## 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.