STRATEGIC ROADMAP
Three phases. One global platform.
We're executing a deliberate, license-gated three-phase rollout. Each phase builds the next; nothing ships before regulatory approval.
Phase 1 · LIVE
Fiat cross-border across ASEAN + Hong Kong
Operating since 2026 under Labuan FSA PSO license
- 9 corridors live (MY, SG, ID, TH, PH, VN, MM, KH, HK)
- 30+ currencies supported with real-time FX
- Collections, payouts, FX, reconciliation, risk operational
- 780+ REST endpoints, signed webhooks, sandbox
- 1,141 automated tests; 99.95% uptime SLA target
- Maybank corridor partnership executed; LFSA examinations passed
Phase 2 · 2027-2028
Africa, LATAM, MENA expansion + crypto bridging
License-gated; building partnerships and tech now
- Add Nigeria, Kenya, South Africa, Egypt, UAE, Mexico, Brazil corridors
- Apply for LFSA Digital Asset Services (DAS) framework when opens
- USDT/USDC bridging under proper crypto-fiat license
- Travel Rule and TRP compliance for crypto flows
- Multi-jurisdiction structuring (likely Singapore MAS PI license)
- Banking partnerships in target regions for local rails
Phase 3 · 2029+
Global payment network
Strategic horizon; foundations being laid in Phase 1 + 2
- Europe, North America, Japan, Korea corridor expansion
- Direct bank rail connections (vs. correspondent banking)
- Stablecoin rail support beyond USDT/USDC
- Embedded finance APIs for non-payment platforms
- Treasury and B2B account products (subject to license expansion)
- Vertical solutions: marketplaces, gig platforms, B2B SaaS
Want to track our progress?
Subscribe to our quarterly investor update or follow Kaadxpay on LinkedIn for milestone announcements.