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

1

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

2

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

3

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

4

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.