Roadmap
A Clear Path to Redefining Personal Finance
Finu’s roadmap is designed to do more than roll out features - it aims to reconstruct the user experience of money itself, replacing confusion and fragmentation with clarity, consistency, and daily rewards. Each milestone is selected not just for development efficiency, but to align with our mission: To make better financial habits easy to start, rewarding to maintain, and accessible to everyone.
Here’s how we’re doing it - and why each phase matters.
Q3 2025 - MVP Launch (Chat + Expense Tracking)
AI chat assistant for daily budgeting questions
Manual expense tracking and visualization
CSV upload and smart budget review
Core behavioral logic and early reward simulations
Why it matters: This is Finu’s foundation - a fully functional conversation-based interface that removes the intimidation from money management. It proves that people are ready to talk to their finances - and that AI can guide, not just inform.
Next:
Daily engagement rewards in $FINU
Streak-based habit incentives
Wallet auto-generation and rewards history dashboard
Why it matters: Habits require motivation. By integrating the $FINU token, we’re launching behavioral compounding - good habits generate value, which in turn reinforces consistency. This unlocks the engine of a gamified personal finance loop that’s never existed in legacy apps.
Q4 2025 - Plaid Bank Sync + Premium Rollout
What’s launching:
Live bank sync across 12,000+ institutions
Auto-imported transactions and categorization
Premium tier features: deep analytics, AI habit reviews, reward multipliers
Why it matters: This transforms Finu from a manual tracker into a real-time financial intelligence layer. Instead of asking users to manage the numbers, we’ll now interpret and coach based on live activity. This also introduces our core monetization channel.
Target milestone: 50,000 users and >10% conversion to Premium by EOY 2025
Q4 2025 - Governance Portal + Staking
What’s launching:
Community voting on feature requests and integrations
$FINU staking for Premium unlocks and reward boosts
Governance dashboard and proposal framework
Why it matters: Finu isn’t just about self-sovereign finance - it’s about community-driven product evolution. With this launch, early users will be able to shape the future of the platform, creating a two-way relationship between company and community - rarely seen in fintech.
Strategic goal: Become one of the first personal finance apps to launch real, active user governance over product features.
Q1 2026 - Global Expansion + Partner Integrations
What’s launching:
Localization for EU, UK, LATAM, and Southeast Asia
Affiliate partnerships with DeFi tools, neobanks, and savings platforms
Embedded Finu modules inside partner apps (e.g., “Save with Finu” widgets)
Why it matters: Finu is designed to work across borders, banks, and behaviors. This phase begins our shift from a standalone app to a plug-in financial operating system — integrated into partner platforms and able to serve both fiat and crypto-native populations.
Target integrations: 3 strategic DeFi/FinTech partnerships, 2 referral loops embedded via Web3 wallets or Telegram bots
Q2 2026 - Advanced AI Features + Mobile App Launch
What’s launching:
AI-powered financial journeys (e.g., debt-free in 90 days, vacation savings challenge, etc.)
Personalized habit diagnosis with explainable insights
Full mobile app (iOS + Android)
AI voices and multi-language support
Why it matters: This is where Finu moves beyond the “app” and becomes a financial lifestyle coach. With true personalization, streak memory, and intelligent prompts, Finu will be the first platform to give users the feeling of having a financial expert in their pocket - who knows them, grows with them, and speaks their language.
Success Metrics
User Base Growth
50,000+ users by Q4 2025
Behavioral Impact
25% average improvement in savings behavior via habit tracking
Premium Conversion Rate
>10% by end of 2025
DAU/MAU Retention Ratio
>40% by Q2 2026
Reward Engagement Rate
>60% of active users earning $FINU weekly
How This Roadmap Changes the Industry
While most finance apps focus on reporting, Finu is focused on changing behavior. While others are gatekeepers, Finu becomes a guide. While most fintech is transactional, Finu is transformational.
This roadmap proves that personal finance can be:
Conversational (not cold)
Rewarding (not punishing)
Self-sovereign (not extractive)
Community-driven (not top-down)
With each milestone, Finu moves closer to its mission: To make financial wellness feel human, habitual, and empowering - not overwhelming.
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