Billz Roadmap 2026-2027

Financial operations layer for crypto-native businesses.

First payments. Then expense management. Then AI-assisted operations. Then treasury automation.

Referral system

Live - May 19

Token launch

May 21

Current base

Simulator already live

Manual / semi-manual today. Productized and AI-assisted later.

CollateralLTV / HFBorrow APYYield APYNet carryFees & risk
Interactive roadmap

Phased execution

Phase 1 · May 2026 · Already live / Manual-first

Foundation, simulator & launch readiness

Billz starts from a usable V1 and a manual / semi-manual simulator that already shows what matters before payment: amount, collateral, LTV, APYs, carry, fees and risk.

Payments & Treasury

Payable amount, collateral, liquidity and treasury health.

  • Billz V1 live
  • Manual / semi-manual payment simulator live
  • Payable amount shown before execution
  • Collateral required calculation
  • LTV / health factor visibility
Live

Expense Ops

Invoices, approvals, vendors, proofs and workspace controls.

  • Payment request intake
  • Invoice / expense request collected manually
  • Internal manual review
  • Early proof template
  • Basic status tracking
Live

AI & Automation

From manual analysis to controlled treasury automation.

  • No AI automation yet
  • Manual analysis and recommendation
  • Human review on every decision
  • Data structure prepared for future AI
Live

Ecosystem & Growth

Referral, token, partners, community and GTM.

  • Referral system live - May 19
  • Token launch - May 21
  • Positioning around treasury-backed payments
  • Founder-led outreach
Live
Presentation board

Roadmap overview

Compact view for presenting the strategic direction without exposing every internal technical detail.

May 2026
June-July 2026
Q3 2026
Q4 2026
2027+

Payments & Treasury

Payable amount, collateral, liquidity and treasury health.

  • Billz V1 live
  • Manual / semi-manual payment simulator live
  • Payable amount shown before execution
  • Collateral required calculation
  • LTV / health factor visibility
  • Saved simulations
  • Simulation history
  • PDF exports
  • Scenario comparison
  • Clearer cost / risk explanation
  • Payment flow attached to expense records
  • Invoice-to-payment traceability
  • Accounting-ready proof after payout
  • Clear treasury-to-payment link
  • Treasury monitoring
  • Risk alerts
  • Position health tracking
  • Borrow APY / yield APY watch
  • LTV and health factor monitoring
  • Vault / yield layer
  • Multi-market optimization
  • Treasury health overview
  • Strategy comparison
  • Capital efficiency recommendations

Expense Ops

Invoices, approvals, vendors, proofs and workspace controls.

  • Payment request intake
  • Invoice / expense request collected manually
  • Internal manual review
  • Early proof template
  • Basic status tracking
  • Simulation linked to invoice request
  • Invoice readiness status
  • Proof template refinement
  • Payment flow documentation
  • Invoice scan and upload
  • Billz Invoice Inbox
  • Vendor profiles
  • Roles and permissions
  • Approval workflows
  • Approval thresholds
  • Comments and audit trail
  • Vendor history
  • Recurring invoice visibility
  • Better team oversight
  • Enterprise workspaces
  • Batch payments
  • Vendor management
  • DAO / multisig flows
  • Advanced approval policies

AI & Automation

From manual analysis to controlled treasury automation.

  • No AI automation yet
  • Manual analysis and recommendation
  • Human review on every decision
  • Data structure prepared for future AI
  • Structured simulation data
  • Preparation for AI explanations
  • AI Step 1 starts
  • Invoice extraction
  • Anomaly detection
  • Normalized inputs and outputs
  • No autonomous decision yet
  • AI Step 2
  • Support chatbot V1
  • AI prepares actions
  • User validates before execution
  • Suggestions only
  • Policy engine
  • Autonomous Treasury Agent
  • User-defined rules
  • Max LTV and payment limits
  • Approved beneficiaries

Ecosystem & Growth

Referral, token, partners, community and GTM.

  • Referral system live - May 19
  • Token launch - May 21
  • Positioning around treasury-backed payments
  • Founder-led outreach
  • Messaging based on pilot learnings
  • Referral attribution improvement
  • Partner reporting structure prepared
  • Partner dashboards
  • Referral optimization
  • Ambassador activation
  • Community trust building
  • Referral / partner program V2
  • Community loops
  • Enterprise GTM
  • Partner reporting improvement
  • Token ecosystem utility
  • Strategic partnerships
  • Partner-led volume
  • Expansion beyond early pilots
AI progression

Three levels of autonomy

Billz AI does not start as a black-box operator. It moves from analysis to validation-based execution, then to policy-driven automation.

Step 1

Analyse & Suggest

AI reads invoices, extracts data, detects anomalies and suggests a next action. The user decides.

Step 2

Prepare after validation

AI prepares payments, proofs, notifications or treasury actions. User validation remains required.

Step 3

Autonomous Treasury Agent

The agent operates only within user-defined rules: limits, beneficiaries, risk, protocols and approvals.

Roadmap statement

First payments. Then expense management. Then AI-assisted operations. Then treasury automation.