> For the complete documentation index, see [llms.txt](https://xio-docs.gitbook.io/xio-docs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://xio-docs.gitbook.io/xio-docs/info/roadmap.md).

# Roadmap

We build in two clear phases.\
Short term, a perps-native onchain neobroker.\
Long term, an agentic neobank.

***

### Phase 1 · Onchain Neobroker

*(0–12 months)*

Perps-native onchain neobroker.\
Non-custodial execution and routing with a smart wallet and risk / AI layer.

**Scope**

* Hyperliquid-first terminal for perps, equities and prediction markets
* Non-custodial smart wallet with account abstraction and social login
* PnL, portfolio tracking and basic risk analytics
* Native iOS app and regional front ends as primary surfaces
* Web app and browser extension by end of year one

**What “success” looks like**

* 0–3 months: XIO ships as a Hyperliquid-first non-custodial terminal, manual but sharp
* 3–12 months: XIO is a default front end for a meaningful slice of Hyperliquid perps flow

***

### Phase 2 · Agentic Neobroker

*(1–4 years)*

Agentic neobroker that turns XIO into the control panel for agents, yield and spend.

**Scope**

* Aggregated liquidity across perps, spot, yield and prediction venues
* Agent layer that executes from unified capital with scoped permissions
* Intent-based trading and portfolio mandates instead of pure manual clicking
* Card, auto-yield and auto-pay built on the same capital pool

**What “success” looks like**

* 1–2 years: multi-venue agent network across perps, spot, yield and prediction
* 2–4 years: XIO behaves like an operating system for a slice of global perps and stablecoin users, where traders supervise agents instead of clicking order forms

***

#### Phase 1 vs Phase 2

| Feature     | Phase 1 · Onchain Neobroker           | Phase 2 · Agentic Neobroker                      |
| ----------- | ------------------------------------- | ------------------------------------------------ |
| User action | Manual click                          | Intent setting and supervision                   |
| Custody     | User, via smart wallet                | User wallet, agents with scoped permissions      |
| Liquidity   | Hyperliquid                           | Aggregated perps, spot, yield, prediction venues |
| Revenue     | Transaction and pro subscription fees | Plus performance fees on agent strategies        |
| Banking     | None                                  | Card, auto-yield, auto-pay from unified capital  |

Simple story:\
**Phase 1** earns from today’s perps meta.\
**Phase 2** compounds that into an agentic control panel.