The Road to Smart Money

Concordium's roadmap charts an evolutionary path towards PayFi on trusted rails. Track key milestones that drive scalability, compliance-ready features, and enterprise-grade programmability, purpose-built for next-gen finance and real world adoption.

Enterprise-Ready Smart Money

From protocol-level stablecoin issuance, to token programmability and instant verify-and-pay features, Concordium's compliance-ready enterprise-grade infrastructure is thoughtfully designed for fintechs, stablecoin issuers, market money funds, and other financial institutions.

Programmable Money Unlocked

Premier network for stablecoins and PayFi with full programmability and controls.

User Privacy & Verification

ZKP enabled blockchain with a built-in identity layer to ensure privacy without compromising verification.

Fast, Compliance-Ready Infrastructure

Flexible and portable compliance-ready solutions with a two-layer consensus mechanism for fast finality.

Stablecoins as PLTs

Core protocol update introducing Protocol-Level Tokens with following logic: PLT creation, mint, burn, hold, transfer. Plus, compliance and safety features: allow/deny lists, freeze/unfreeze, and issuer-level pause.

Learn More

Modular PLTs

Granular and flexible infrastructure to allow updates to Protocol-Level Tokens for sophisticated stablecoin operations without full protocol upgrades. Features include interoperability features and role-based access controls.

PLT Wallet Integration

PLTs are available in browser and mobile wallets.

Ledger Integration

Support cold storage signing from browser wallet via Ledger integration.

ID App

Standalone iOS & Android app for ConcordiumID. Simplifies onboarding and integrations with third-party wallets and services.

ZKP in ID App

Enables zero-knowledge proof generation in the Concordium ID App for verification of identity attributes such as age or geolocation in a privacy-preserving way – essential for Verify & Pay use cases.

ZKP Audits

Record ZKP audit results on-chain in a privacy-preserving manner. Allowing for safe, privacy-preserving compliance investigation by regulators – essential for Verify & Pay.

ZKP Travel Rule

Compliance system that allows regulated entities to comply with Travel Rule and similar requirements.

PLT Account Lock

Earmark funds to an unchangeable destination. Keep custody of funds in your account. No Smart contracts hold your funds. Trigger delivery of funds to a destination by an unlock call from a predefined address.

Smart PLT Unlock

Sophisticated Protocol-Level Token unlocks to known destination with Concordium-written code. Unlock mechanism has no custody of funds, only conditions that result in an unlock call to the PLT layer.

Exchanges as IDPs

Seamless Concordium accounts. Users only need to onboard on a Centralized Exchange.

In Motion: Stablecoin Infrastructure
0 - 6 Months

Enterprise ID

Improved ID check process for businesses and introduction of enterprise-grade multi-sig accounts on network.

Compliance-Ready Features

Focus on improving verification processes for KYC, KYT and KYB to enable seamless PayFi solutions.

Context Specific IDPs

IDP for specific use cases, extending the ID layer to hold specific use case information.

Compliance with Regulatory Guidelines

Work with regulators to shape a standard policy around ZKP qualifying a as formal verification method across select geographies.

Verify & Pay Plug-In

PayFi tooling to enable verify & pay feature via ZKP for privacy-preserving access and stablecoin integrations.

PLT Interoperability

Cross-chain PLT support in industry-leading protocols.

PLT Issuance Tools

Integration with multisig decentralised wallets and tools.

Merchant PLT Integration

Tools for protocol-level token settlements in payment rails for online retail and trade finance.

Custom Smart PLT Unlock

Extend Smart PLT unlock to meet application specific needs.

Parallel Execution

Scale network throughput via parallelization.

Network Security Enhancements

Peer-to-Peer libraries to enhance node-to-node security and protect communications across the network.

Near Horizon: Compliance, Programmability & Verification
6 - 12 Months

ID Layer Enhancements

Enable ID updates and enable verifiable credentials as protocol-level Web3 ID compatibility for cross-chain integration and institutional adoption.

Portable KYC

On-chain KYC sharing: companies securely share KYC/AML data via trusted providers. One-time KYC: users verify their identity once, then reuse it everywhere on-chain.

Account-Level Allow/Deny Lists

Protect accounts with ZKP to accept funds only from pre-vetted accounts. Applies ZKP to accepting funds. Enables profile-determining to receive funds from those who meet set conditions (i.e. age, location, allowlisted entities).

Sponsored Transactions

Ensure smooth user experience by subsidizing network gas fees.

PLT DeFi Protocol Enablement

Enable PLT integration with DeFi protocols without giving up custody to smart contracts.

Quantum Safe

Future-proof the blockchain with quantum-safe cryptography, integrating post-quantum measures to ensure long-term resilience against emerging threats.

Far Horizon: Scaling & Interoperability  
12 - 18 Months

From Blocks to Breakthroughs

From new PayFi developer tooling to interoperable and customizable DeFi features and composable ZKPs for credential checks, track the features and stack upgrades that will enable and enhance a new era of Smart Money.

The PayFi & Digital Finance Chain

Go-to Layer-1 for building PayFi applications.

Build It Your Way

Seamless interoperability and customization.

Community-Focused

Optimizing to facilitate decentralization and ecosystem growth.

Modular PLTs

PLT Metrics

Protocol-Level Tokens surfaced in CCDScan/Explorer with relevant data for analysis and monitoring.

Wallet SDK for 3rd Party Integrations

Tooling library for PLT integrations in third-party wallets.

ZKP in ID App

Enable ZKP generation for 3rd-party wallets and dApps – essential for Verify & Pay use cases.

Verify & Pay SDK

Tooling to enable customer verification of defined attributes (i.e. age or location) before purchase.

Smart PLT Unlock

Sophisticated Protocol-Level Token unlocks to known destination with Concordium-written code. Unlock mechanism has no custody of funds, only conditions that result in an unlock call to the PLT layer.

Cold Storage Ledger Support in Browser Wallet

Integrate Ledger hardware wallet to enable cold storage signing directly from the browser wallet.

Community Voting dApp

Release 2.0 of the voting dApp with improved user experience and analytics.

Enhanced Validator Tooling

Documents, videos, and tools to help set up a validator node. Simplify node-to-validator upgrades. Validator analytics.

In Motion: Stablecoin Infrastructure
0 - 6 Months

PayFi Compliance-Ready Features

Focus on improving verification processes for KYC, KYT and KYC to enable seamless PayFi solutions.

Verify & Pay Plug-In

PayFi tooling to enable verify-&-pay feature via ZKP for privacy-preserving access and Stablecoin integrations in dApps and services.

Merchant PLT Integration

Tools for protocol-level token settlements in payment rails for online retail and trade finance.

Non-Fungible PLT Modules

Secure and efficient NFTs at the core layer through Non-Fungible Protocol-Level-Tokens for unique attestations.

Custom Smart PLT Unlock

Extend and adapt the unlock logic to meet your application's specific needs.

Light Nodes

Introduce nodes that make validation operations more efficient and support network growth.

Parallel Execution

Scale network throughput via parallelization.

Network Security Enhancements

Next generation Peer-to-Peer protocol enhancements to improve scaling and continue secure network communication between nodes.

Open PLT System

Enable validators and other network participants to act as PLT gatekeepers.

Community Proposals

Streamline the proposal and voting mechanism for decentralized governance.

PLT Interoperability for DeFi

Introduce Protocol-Level-Tokens for DeFi for on-chain swaps and liquidity provisioning, without giving up custody to Smart Contracts.

Near Horizon: Compliance, Programmability & Verification
6 - 12 Months

Account-Level Allow/Deny Lists

Sponsored Transactions

Ensure smooth user experience by subsidizing network gas fees.

PLT Governance Model

Introduce a new governance model for managing new stablecoins and tokens via validator voting process.

Concordium Portal dApp

A one-stop dashboard for staking, governance and onramps for users and PLT issuers.

Auto Node Updates

Automated node updates for faster protocol changes.

Quantum Safe

Future-proof the blockchain with quantum-safe cryptography, integrating post-quantum measures to ensure long-term resilience against emerging thr

Far Horizon: Scaling & Interoperability 
12 - 18 Months

Timeline Overview

Discover the milestones defining Concordium's path to pioneering real-world adoption — from stablecoin issuance at the protocol level, to smart money features powering PayFi and digital finance, to scalable compliance compatibility and community-led blockchain.

Near Horizon

Custom Smart PLT Unlock

Extend and adapt the unlock logic to meet your application's specific needs.

Near Horizon

Custom Smart PLT Unlock

Extend Smart PLT unlock to meet application specific needs.

In Motion

ZKP in ID App

Enable ZKP generation for 3rd-party wallets and dApps – essential for Verify & Pay use cases.

In Motion

Modular PLTs

In Motion

Ledger Integration

Support cold storage signing from browser wallet via Ledger integration.

Near Horizon

Compliance-Ready Features

Focus on improving verification processes for KYC, KYT and KYB to enable seamless PayFi solutions.

Near Horizon

PLT Interoperability for DeFi

Introduce Protocol-Level-Tokens for DeFi for on-chain swaps and liquidity provisioning, without giving up custody to Smart Contracts.

Far Horizon

Sponsored Transactions

Ensure smooth user experience by subsidizing network gas fees.

Far Horizon

Concordium Portal dApp

A one-stop dashboard for staking, governance and onramps for users and PLT issuers.

Far Horizon

Account-Level Allow/Deny Lists

Near Horizon

Network Security Enhancements

Next generation Peer-to-Peer protocol enhancements to improve scaling and continue secure network communication between nodes.

Far Horizon

Auto Node Updates

Automated node updates for faster protocol changes.

Far Horizon

Quantum Safe

Future-proof the blockchain with quantum-safe cryptography, integrating post-quantum measures to ensure long-term resilience against emerging thr

Far Horizon

PLT DeFi Protocol Enablement

Enable PLT integration with DeFi protocols without giving up custody to smart contracts.

Far Horizon

ID Layer Enhancements

Enable ID updates and enable verifiable credentials as protocol-level Web3 ID compatibility for cross-chain integration and institutional adoption.

Near Horizon

Non-Fungible PLT Modules

Secure and efficient NFTs at the core layer through Non-Fungible Protocol-Level-Tokens for unique attestations.

Near Horizon

Community Proposals

Streamline the proposal and voting mechanism for decentralized governance.

Near Horizon

Verify & Pay Plug-In

PayFi tooling to enable verify-&-pay feature via ZKP for privacy-preserving access and Stablecoin integrations in dApps and services.

Near Horizon

PayFi Compliance-Ready Features

Focus on improving verification processes for KYC, KYT and KYC to enable seamless PayFi solutions.

Near Horizon

Parallel Execution

Scale network throughput via parallelization.

Near Horizon

Merchant PLT Integration

Tools for protocol-level token settlements in payment rails for online retail and trade finance.

Near Horizon

PLT Issuance Tools

Integration with multisig decentralised wallets and tools.

Near Horizon

Enterprise ID

Improved ID check process for businesses and introduction of enterprise-grade multi-sig accounts on network.

In Motion

Community Voting dApp

Release 2.0 of the voting dApp with improved user experience and analytics.

In Motion

Cold Storage Ledger Support in Browser Wallet

Integrate Ledger hardware wallet to enable cold storage signing directly from the browser wallet.

In Motion

Enhanced Validator Tooling

Documents, videos, and tools to help set up a validator node. Simplify node-to-validator upgrades. Validator analytics.

In Motion

Verify & Pay SDK

Tooling to enable customer verification of defined attributes (i.e. age or location) before purchase.

In Motion

Exchanges as IDPs

Seamless Concordium accounts. Users only need to onboard on a Centralized Exchange.

In Motion

PLT Wallet Integration

PLTs are available in browser and mobile wallets.

In Motion

ZKP Travel Rule

Compliance system that allows regulated entities to comply with Travel Rule and similar requirements.

In Motion

ZKP Audits

Record ZKP audit results on-chain in a privacy-preserving manner. Allowing for safe, privacy-preserving compliance investigation by regulators – essential for Verify & Pay.

In Motion

ZKP in ID App

In Motion

ID App

Standalone iOS & Android app for ConcordiumID. Simplifies onboarding and integrations with third-party wallets and services.

In Motion

Smart PLT Unlock

Sophisticated Protocol-Level Token unlocks to known destination with Concordium-written code. Unlock mechanism has no custody of funds, only conditions that result in an unlock call to the PLT layer.

In Motion

Smart PLT Unlock

Sophisticated Protocol-Level Token unlocks to known destination with Concordium-written code. Unlock mechanism has no custody of funds, only conditions that result in an unlock call to the PLT layer.

In Motion

PLT Account Lock

Far Horizon

PLT Governance Model

Introduce a new governance model for managing new stablecoins and tokens via validator voting process.

Near Horizon

Network Security Enhancements

Peer-to-Peer libraries to enhance node-to-node security and protect communications across the network.

Near Horizon

Open PLT System

Enable validators and other network participants to act as PLT gatekeepers.

Far Horizon

Account-Level Allow/Deny Lists

In Motion

PLT Metrics

Protocol-Level Tokens surfaced in CCDScan/Explorer with relevant data for analysis and monitoring.

Far Horizon

Portable KYC

On-chain KYC sharing: companies securely share KYC/AML data via trusted providers. One-time KYC: users verify their identity once, then reuse it everywhere on-chain.

Near Horizon

PLT Interoperability

Cross-chain PLT support in industry-leading protocols.

Near Horizon

Light Nodes

Introduce nodes that make validation operations more efficient and support network growth.

Near Horizon

Parallel Execution

Scale network throughput via parallelization.

In Motion

Wallet SDK for 3rd Party Integrations

Tooling library for PLT integrations in third-party wallets.

In Motion

Stablecoins as PLTs

Near Horizon

Compliance with Regulatory Guidelines

Work with regulators to shape a standard policy around ZKP qualifying a as formal verification method across select geographies.

Near Horizon

Merchant PLT Integration

Tools for protocol-level token settlements in payment rails for online retail and trade finance.

Near Horizon

Verify & Pay Plug-In

PayFi tooling to enable verify & pay feature via ZKP for privacy-preserving access and stablecoin integrations.

Far Horizon

Sponsored Transactions

Ensure smooth user experience by subsidizing network gas fees.

In Motion

Modular PLTs

Far Horizon

Quantum Safe

Future-proof the blockchain with quantum-safe cryptography, integrating post-quantum measures to ensure long-term resilience against emerging threats.

Near Horizon

Context Specific IDPs

IDP for specific use cases, extending the ID layer to hold specific use case information.

No search results found

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

In Motion

Near Horizon

Far Horizon

Stablecoins as PLTs

Learn More

Modular PLTs

PLT Metrics

Protocol-Level Tokens surfaced in CCDScan/Explorer with relevant data for analysis and monitoring.

PLT Wallet Integration

PLTs are available in browser and mobile wallets.

Ledger Integration

Support cold storage signing from browser wallet via Ledger integration.

Wallet SDK for 3rd Party Integrations

Tooling library for PLT integrations in third-party wallets.

ID App

Standalone iOS & Android app for ConcordiumID. Simplifies onboarding and integrations with third-party wallets and services.

ZKP in ID App

ZKP Audits

Record ZKP audit results on-chain in a privacy-preserving manner. Allowing for safe, privacy-preserving compliance investigation by regulators – essential for Verify & Pay.

ZKP Travel Rule

Compliance system that allows regulated entities to comply with Travel Rule and similar requirements.

Verify & Pay SDK

Tooling to enable customer verification of defined attributes (i.e. age or location) before purchase.

PLT Account Lock

Smart PLT Unlock

Sophisticated Protocol-Level Token unlocks to known destination with Concordium-written code. Unlock mechanism has no custody of funds, only conditions that result in an unlock call to the PLT layer.

Exchanges as IDPs

Seamless Concordium accounts. Users only need to onboard on a Centralized Exchange.

Community Voting dApp

Release 2.0 of the voting dApp with improved user experience and analytics.

Enhanced Validator Tooling

Documents, videos, and tools to help set up a validator node. Simplify node-to-validator upgrades. Validator analytics.

In Motion: Stablecoin Infrastructure
0 - 6 Months

Enterprise ID

Improved ID check process for businesses and introduction of enterprise-grade multi-sig accounts on network.

Compliance-Ready Features

Focus on improving verification processes for KYC, KYT and KYB to enable seamless PayFi solutions.

Context Specific IDPs

IDP for specific use cases, extending the ID layer to hold specific use case information.

Compliance with Regulatory Guidelines

Work with regulators to shape a standard policy around ZKP qualifying a as formal verification method across select geographies.

Verify & Pay Plug-In

PayFi tooling to enable verify & pay feature via ZKP for privacy-preserving access and stablecoin integrations.

PLT Interoperability

Cross-chain PLT support in industry-leading protocols.

PLT Issuance Tools

Integration with multisig decentralised wallets and tools.

Merchant PLT Integration

Tools for protocol-level token settlements in payment rails for online retail and trade finance.

Non-Fungible PLT Modules

Secure and efficient NFTs at the core layer through Non-Fungible Protocol-Level-Tokens for unique attestations.

Custom Smart PLT Unlock

Extend Smart PLT unlock to meet application specific needs.

Light Nodes

Introduce nodes that make validation operations more efficient and support network growth.

Parallel Execution

Scale network throughput via parallelization.

Network Security Enhancements

Peer-to-Peer libraries to enhance node-to-node security and protect communications across the network.

Open PLT System

Enable validators and other network participants to act as PLT gatekeepers.

Community Proposals

Streamline the proposal and voting mechanism for decentralized governance.

Near Horizon: Compliance, Programmability & Verification 
6 - 12 Months

ID Layer Enhancements

Enable ID updates and enable verifiable credentials as protocol-level Web3 ID compatibility for cross-chain integration and institutional adoption.

Portable KYC

On-chain KYC sharing: companies securely share KYC/AML data via trusted providers. One-time KYC: users verify their identity once, then reuse it everywhere on-chain.

Account-Level Allow/Deny Lists

Sponsored Transactions

Ensure smooth user experience by subsidizing network gas fees.

PLT DeFi Protocol Enablement

Enable PLT integration with DeFi protocols without giving up custody to smart contracts.

PLT Governance Model

Introduce a new governance model for managing new stablecoins and tokens via validator voting process.

Concordium Portal dApp

A one-stop dashboard for staking, governance and onramps for users and PLT issuers.

Auto Node Updates

Automated node updates for faster protocol changes.

Quantum Safe

Future-proof the blockchain with quantum-safe cryptography, integrating post-quantum measures to ensure long-term resilience against emerging threats.

Far Horizon: Scaling & Interoperability
12 - 18 Months

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.

Enterprise-Grade Innovation Delivered

Explore the completed features that are now live. These milestones reflect the technological progress Concordium has made, marking a significant step forward in bringing our vision of a trusted, compliant-ready infrastructure to a growing PayFi ecosystem.

No search results found. can devs DO SOMETHING??

Built. Shipped. Live.

From core protocol upgrades to new tools for builders, these milestones showcase the steady progress towards community-led blockchain ecosystem that thrives on secure, compliant-ready applications for real-world adoption.

No search results found. can devs DO SOMETHING??

Join a growing ecosystem of Smart Money builders.

Thank you! Your submission has been received!

Oops! Something went wrong while submitting the form.