> For the complete documentation index, see [llms.txt](https://docs.bill-z.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.bill-z.com/roadmap-2026-2027.md). # Roadmap 2026–2027 ## Billz Roadmap 2026–2027 Billz is building the financial operations layer for crypto-native businesses. The roadmap starts with real payments and expands into expense management, AI-assisted operations, treasury monitoring and controlled automation. > First payments. Then expense management. Then AI-assisted operations. Then treasury automation. *** ### Phase 1 — Foundation, Simulator & Launch Readiness **Period:** May 2026\ **Status:** Live / manual-first Billz V1 is live and the first payment simulation layer is already available in manual / semi-manual mode. #### Available * Billz V1 access * Manual / semi-manual Payment Simulator * Payable amount estimation * Collateral required calculation * LTV / health factor visibility * Borrow APY estimate * Yield APY estimate * Net carry estimate * Billz fees and rails fees visibility * Risk level before execution * Referral system live — May 19 * Token launch — May 21 *** ### Phase 2 — Invoice Pilot **Period:** May–June 2026\ **Status:** Pilot validation The first product wedge is simple: > One invoice. One simulation. One payment. One proof. #### Focus * First real invoice payments * Treasury-backed payment flows * Proof of payment * Onboarding and KYC/KYB tuning * Early user feedback * First case studies *** ### Phase 3 — Simulator Productization **Period:** June–July 2026\ **Status:** Productization The simulator already exists. The next step is to make it more scalable, clearer and easier to use. #### Planned improvements * Saved simulations * Simulation history * PDF exports * Scenario comparison * Clearer UX * Reduced manual work * Better explanation of cost, APY, collateral and risk *** ### Phase 4 — Expense Management Layer **Period:** Q3 2026\ **Status:** Roadmap Billz will evolve from a payment tool into an expense operations layer for crypto-native teams. #### Planned features * Invoice scan and upload * Billz Invoice Inbox * Workspace profiles * Roles and permissions * Approval workflows * Comments and audit trail * Accounting-ready proofs * Vendor history *** ### Phase 5 — AI Step 1: Analyse & Suggest **Period:** Q3 2026\ **Status:** Coming soon The first AI layer will analyse and suggest. It will not execute actions autonomously. #### Planned AI capabilities * Invoice extraction * Amount, due date and vendor detection * Anomaly detection * Expense categorization * Suggested next actions * Human review before validation > The AI analyses and suggests. The user decides. *** ### Phase 6 — Treasury Monitoring + AI Step 2 **Period:** Q4 2026\ **Status:** Roadmap Billz will monitor the treasury position behind payments and help users prepare actions. #### Planned features * Treasury monitoring * Risk Bot alerts * Position health tracking * LTV and health factor monitoring * Borrow APY / yield APY watch * Support chatbot V1 * AI-prepared actions after user validation > The AI prepares. The user validates. Billz executes. *** ### Phase 7 — 2027+ Expansion **Period:** 2027+\ **Status:** Long-term roadmap Billz aims to evolve into a broader treasury operations platform. #### Planned areas * Vault / yield layer * Multi-market optimization * Treasury health overview * Enterprise workspaces * Batch payments * Vendor management * DAO / multisig flows * Policy engine * Autonomous Treasury Agent * Token ecosystem utility * Strategic partnerships * Enterprise GTM > The user defines the treasury policy. The agent operates within that policy. *** ### Roadmap Disclaimer The roadmap is provided for informational purposes only. Features, timelines, availability and product scope may change based on technical constraints, partner requirements, regulatory requirements, security considerations and user feedback. Some features may be experimental, restricted by jurisdiction, limited to selected users, or subject to additional onboarding and eligibility checks. Roadmap items do not constitute a contractual commitment, financial advice, investment advice, tax advice or a guarantee of future availability. {% hint style="warning" %} This roadmap is high-level and subject to change. It is not a commitment to a delivery date or implementation path. {% endhint %} --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. 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