Roadmap • Utility-first • Execution Layer
UTILIZAP Roadmap
A realistic build sequence that starts with what matters most: instant USDC payments, then expands into a true payment inbox and Cash App-style tools.
Phase 1
Completed
Core Wallet & Payments
UTILIZAP is already a functional payments app — not a demo.
- Non-custodial wallet connection
- Wallet address display + disconnect
- Clear network labeling
- SOL shown as network fuel
- USDC balance displayed
- USDC send flow (Venmo-style)
- Recipient address validation
- Amount + optional note
- Phantom signing + on-chain confirmation
- Receipts: auto creation + notes + history
- Search + filtering + explorer/copy tools
- Contacts (privacy-first) stored locally
- Requests & QR: receive QR + request links
Phase 2
Actively building
Payment Context & Inbox
Turn payments into a real inbox: inbound, outbound, labeled, and searchable.
- Inbound transaction detection
- Sent / Received / All receipt tabs
- Clear From / To counterparty labeling
- Unified receipts for inbound & outbound
- Refresh & rescan payment history
Phase 3
Upcoming
Inbox & Request Management
Smart requests + trust signals + contact intelligence for confident payments.
- Expiring payment links
- Partial payments
- Auto-close when fulfilled
- Request status tracking
- Trust signals: first-time warnings, known-contact indicators, confidence cues
- Contact intelligence: payment history per contact, last payment details, common notes
Phase 4
6–9 months
Cash App Mode
Full financial tooling + advanced payment flows for everyday users & merchants.
- Financial history & tools: monthly summaries, yearly summaries, CSV exports
- Filters by contact, tag, or date
- Advanced payments: static receive QR, request + amount QR, POS-style merchant QR
- Recurring & subscription payments
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