Roadmap / Business Model
Roadmap
Phase 1 — Proof & Performance (Live)
The objective in this phase is to validate and battle-test the Earned Network stack in live market conditions. Our retail-facing app acts as the “first client,” allowing us to refine the allocation engine, stress-test interoperability, and gather credible performance data.
We focus on three priorities:
Stress-Testing the Allocation Engine: Running our algorithmic + forecasting model with real capital across multiple chains and yield sources to validate security, uptime, and efficiency.
Retail-Facing Yield App: A consumer-facing product that proves usability, monitors flows, and generates historical yield performance under different market conditions.
Infrastructure Hardening: Multiple audits, redundant interop networks and failover routing.
Outcomes from Phase 1:
Proven routing logic across 5+ chains.
Documented track record of performance and reliability.
Security benchmarks and operational resilience demonstrated.
Initial brand credibility and community validation.
Phase 2 — Embedded Yield API (H1 2026)
The objective in this phase is to extend the proven retail stack into a hosted API, enabling any web3 business to deliver stablecoin yield to their users instantly. Earned hosts all contracts, vaults, and routing logic — partners simply integrate and benefit from a revenue-share model.
We focus on three priorities:
Plug-and-Play Integration: One API call enables wallets, exchanges, apps, and consumer platforms to embed DeFi + RWA yields without any technical overhead.
Managed Execution: Earned enforces allocation rules, handles cross-chain routing and rebalancing, and abstracts gas — partners and users never touch DeFi directly.
Aligned Incentives: No integration cost. Partners share in the 20% performance fee — split 75/25 or 50/50 depending on level — ensuring mutual upside.
Outcomes from Phase 2:
Embedded yield available to millions of end-users through partner channels.
Rapid TVL growth and distribution via co-marketing and ecosystem integrations.
Data, testimonials, and case studies that build institutional trust.
Revenue-sharing model creates a clear path to profitability.
Phase 3 — Global Yield Infrastructure Network (H2 2026)
The objective in this phase is to transition from a hosted API to a fully modular, policy-aware infrastructure layer for institutional adoption. Earned Network becomes the middleware that connects stablecoin capital to every major yield venue, with clients able to configure their own mandates.
We focus on four priorities:
Modular Architecture: Building blocks that banks, fintechs, custodians, and hedge funds can configure to match their compliance and risk frameworks.
Multi-Asset Compatibility: Support for single- and multi-stable portfolios across multiple chains and venues.
Multi-Market Access: Unified gateway into lending, credit, tokenised treasuries, bonds, and liquidity markets.
Robust Intelligence: Continuous improvements to allocation, predictive risk monitoring, and adaptive yield routing.
Outcomes from Phase 3:
Full institutional adoption across fintech, banks, and funds.
Earned Network positioned as the universal stablecoin yield middleware.
Network effects from shared liquidity, partner modules, and governance.
The “connective tissue” between capital and yield, globally.
Business Model (by phase)
Phase 1 — Proof & Performance Margin over displayed yield to cover ops while building a public track record.
Phase 2 — Hosted Yield API (Partners) No platform fee; performance-fee on embedded yield, aligned to partner growth.
Phase 3 — Institutional Infrastructure Enterprise model combining: recurring licence, usage-based fee on capital actively routed, per-vault allowance with overage for additional dedicated vaults, and optional add-ons (compliance, analytics, premium support).
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