Official Protocol Ledger

OwnPay Protocol Roadmap

Transparent development timeline on Base L2 (Chain ID: 8453). Zero subscription model.

Phase 1: Merchant Identity & Auth Core Completed

Merchant registration & JWT authentication
Merchant niche classification (Retail POS, E-Commerce, AI Agent, Freelancer, Web3 Gaming)
API key rotation and HMAC-SHA256 signed webhooks

Phase 2: Merchant Control Center & Hosted Links (ownpaylab.tech) Completed

Dodo-style Merchant Control Center (/dashboard)
Personal Payment Links (ownpaylab.tech/pay) with fiat input
Merchant KYC verification hub with cryptographic wallet signature
Transaction-based pricing (0.25% Starter, 0.10% Verified, 0.05% Enterprise)

Phase 3: Developer & AI Agent Platform (ownpaylab.dev) Completed

Multi-key architecture & granular scopes (own_test_ vs own_live_)
Autonomous agent registry, activity tracking & instant kill-switch
10 Model Context Protocol (MCP) tools for autonomous agents
x402 machine paywalls with replay attack protection
SSRF-guarded webhook tester with DNS rebinding protection
Native Python SDK (packages/python-sdk) and TypeScript SDK

Phase 4: Institutional Hub & Protocol Thesis (ownpaylabs.com) Completed

Corporate & Institutional Hub (/labs and /corporate)
Institutional APIs (/api/v1/labs/overview, /ecosystem, /thesis)
Interactive Pay-As-You-Go settlement calculator
Ecosystem gateway connecting merchants, developers, and canonical API

Planned: Institutional Reconciliation & Multi-Sig Planned

Automated CSV tax and accounting export automation
Enterprise multi-signer policy approvals

Future: Cross-Rollup Liquidity & Research Future Research

Cross-rollup liquidity bridge integrations
Zero-knowledge merchant compliance credentials