The Klara roadmap outlines how the platform evolves from a core credit system into a full scale global financial network powered by self custody, multi chain infrastructure, and a robust token economy. This roadmap is divided into phases, each representing a clear milestone in the development of Klara’s technology, governance, and ecosystem reach.

The roadmap includes what has already been completed, what is currently in progress, and what is planned for the future.
Everything stays realistic and tied directly to the core mission of Klara.

11.1 Phase 1 — Foundation

Status: Completed / Ongoing

This phase focused on building the fundamental architecture that makes Klara possible.

Completed Core Systems
• Vault architecture created
• Multi chain module framework
• Credit Engine base logic
• Settlement and authorization layer design
• First version UI for the Klara App
• Basic reward points concept
• Governance structure draft
• Security and transparency protocol

Research and Prototyping
• price feed testing
• liquidation logic testing
• frictionless onboarding flows
• card network integration research
• early version user journey mapping

This phase established the foundation for everything that follows.

11.2 Phase 2 — Klara Alpha Release

Status: In Progress

This phase introduces real users into the ecosystem through a controlled test environment.

Alpha Features
• virtual cards
• basic physical card test batch
• vault deposit testnet
• test network collateralization
• initial credit line logic
• simplified app dashboard
• early analytics module
• fraud detection prototype

Goals for Alpha
• validate credit engine calculations
• test settlement logic with live transactions
• stress test vault safety rules
• improve UX based on user feedback
• identify bugs before full release

The alpha is designed for early community members, partners, and technical testers.

11.3 Phase 3 — Klara Beta Release

Status: Upcoming

The beta brings a more polished, fully functional system designed for a wider group of early adopters.

Beta Features
• real card spending
• multi chain collateral support
• first live networks: Ethereum, Base, Arbitrum, Solana
• real time analytics
• complete vault panel
• repayment system
• full spending logs
• dynamic user tiers
• referral system
• initial rewards engine

Beta Goals
• ensure scalability
• test international spending
• assess FX handling
• validate multi chain deposits
• refine credit health logic
• collect performance data from live usage

This phase prepares Klara for public launch.

11.4 Phase 4 — Public Launch

Status: Upcoming

This is where Klara officially enters the market.

Launch Day Features
• production level vault
• multi chain collateral support
• virtual and physical cards
• full credit engine
• advanced analytics
• fraud detection
• referral system
• rewards and loyalty tiers
• first partner merchants
• user support and documentation
• waitlist migration

Launch Day Goals
• onboard thousands of users
• refine credit limits with real data
• monitor risk and liquidation performance
• ensure smooth cross border spending

This is the point where Klara becomes a real product for everyday users.

11.5 Phase 5 — Expansion and Scaling

Status: Future

After launch, the focus shifts to scaling the platform globally.

Ecosystem Expansions
• support for more networks: Polygon, Avalanche, Optimism
• support for more assets
• card issuance in more regions
• multi currency FX optimization
• business accounts and team cards
• advanced budgeting tools
• auto pay and subscription control
• improved fraud detection models

Partnerships
• fintech integrations
• global merchant collaborations
• enterprise APIs
• developer tools

This phase grows Klara beyond a simple app into a mature ecosystem.

11.6 Phase 6 — Klara Token Launch

Status: Future

This phase introduces the Klara Token and integrates it into all parts of the ecosystem.

Token Launch Components
• token generation event
• staking module
• point to token converter
• governance voting
• liquidity pools
• ecosystem grant fund
• partner reward distributions

Token Launch Goals
• decentralize decision making
• activate reward value loops
• build long term token utility
• align users and ecosystem growth

This is the transition into a community governed protocol.

11.7 Phase 7 — Governance and Decentralization

Status: Future

Klara evolves into a community powered financial layer.

Governance Tools
• token voting
• treasury proposals
• credit parameter voting
• asset listing votes
• reward distribution optimization

Community Systems
• ambassador program
• developer ecosystem
• grants and funding
• open source components

This phase positions Klara as a decentralized financial protocol rather than a company owned product.

11.8 Phase 8 — Global Adoption

Status: Long Term Vision

This is the endgame for Klara.

Global Features
• worldwide card distribution
• international merchant rewards
• local FX optimization
• mobile banking integrations
• offline spending support
• cross border credit
• emerging market solutions
• real world asset collateral
• financial identity modules
• partnerships with global infrastructure providers

Klara becomes a global credit network powered by self custody and crypto liquidity.

This roadmap was intentional and structured to take Klara from a technical prototype to a global credit protocol.
Every phase builds on the last.

Every step pushes Klara toward becoming the first true self custodial credit layer for everyday spending.