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

# Roadmap

USDREFI launches in March 2026 with a proof-of-concept deployment, then scales through the year as curated sources are added and confidence grows.

## Phased Rollout

{% stepper %}
{% step %}

#### Phase 1: POC with Quipu via Textile (March 2026)

First live capital, first live yield. Validates the vault mechanics, curation framework in practice, and on-chain UX end-to-end.

* **Deployment:** $25k into Quipu via Textile smart contract infrastructure
* **Curated source:** Quipu — Colombian AI-powered microcredit, 49,400 loans disbursed
* **Curation score:** 45/100 (Tier 3), Bennett Average 1.83
* **Purpose:** Prove the model works with real money before scaling
  {% endstep %}

{% step %}

#### Phase 2: Add EthicHub, Scale to $100k+ (April–May 2026)

EthicHub is added as the second curated source, providing long-duration loans (12–24 months) to smallholder farmers generating \~10% gross yield. With two sources live, USDREFI becomes a genuine diversified basket.

* **Target TVL:** $100k+ across Quipu and EthicHub
* Begin onboarding trusted early holders beyond founders
* Seed protocol-owned liquidity for the Uniswap secondary market
* Raise global vault cap to $100k
* Deepen Uniswap pool liquidity
  {% endstep %}

{% step %}

#### Phase 3: Growth to $250k (June–December 2026)

Focus shifts to growing TVL through onboarding additional holders (invite-only), deepening secondary market liquidity, and evaluating new originators through the Credit Curation Framework.

* **Target TVL:** $250k by year-end
* Ongoing curation pipeline for new originators
* First monthly impact reports
  {% endstep %}

{% step %}

#### Scale Decision (Q4 2026)

At $250k TVL, begin exploring EURREFI (EUR-denominated counterpart) and/or strategies to scale USDREFI by 10x through institutional channels and additional curated sources.
{% endstep %}
{% endstepper %}


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