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RoadmapImplementation Phases

Implementation Phases

The Earna AI platform follows a structured 9-phase development approach, progressively building from foundational infrastructure to advanced enterprise features. Each phase delivers standalone value while preparing the foundation for subsequent capabilities.

Development Timeline

Total Duration: 24-30 months Current Status: Phase 1 In Progress (TigerBeetle Deployed) Next Milestone: Q4 2025 - Phase 2 Launch

Phase Overview

PhaseNameDurationStatusKey Deliverables
Phase 0Platform Marketing & Website Rebrand2 weeksCompleteNew positioning, website redesign, developer docs
Phase 1Financial Foundation8 weeksIn ProgressTigerBeetle ✓, Plaid, account aggregation
Phase 2Data Intelligence6 weeksQ1 2025Analytics, categorization, budgeting
Phase 3Credit Enhancement8 weeksQ2 2025Credit scoring, optimization, monitoring
Phase 4Payment Operations10 weeksQ3 2025Hyperswitch, bill pay, subscriptions
Phase 5Investment Platform8 weeksQ4 2025Portfolio tracking, robo-advisor
Phase 6Tax Intelligence10 weeksQ1 2026Tax optimization, filing, planning
Phase 7Business Features12 weeksQ2 2026Business banking, invoicing, payroll
Phase 8Advanced AI & Automation16 weeksQ3 2026Autonomous agents, predictive systems

Detailed Phase Specifications

Phase 0: Platform Marketing & Website Rebrand

Strategic Goal: Transform market positioning from credit card assistant to comprehensive financial operating system

Key Objectives

  • Reposition as Financial Operating System
  • Highlight open-source infrastructure
  • Showcase 8-phase platform vision
  • Attract developers and enterprises

Deliverables

  1. Messaging Strategy

    • Value proposition framework
    • Audience segmentation
    • Competitive positioning

  2. Website Redesign

    • New hero section
    • Features showcase
    • Developer portal

  3. Visual Identity

    • Design system
    • Brand guidelines
    • Marketing assets

  4. Content & SEO

    • Technical documentation
    • Blog content strategy
    • SEO optimization

Phase 1: Financial Foundation

Strategic Goal: Build core financial infrastructure with immutable ledger and banking integrations

Core Technologies

  • TigerBeetle: Immutable financial ledger
  • Plaid: Banking data aggregation
  • Supabase: User management and data storage
  • Redis: Caching and real-time updates

Key Deliverables

TigerBeetle Setup ✓

Deployed 3-node GKE cluster with double-entry accounting system (Complete - September 2025)

Plaid Integration

Connect 12,000+ financial institutions for account aggregation

Transaction Sync

Real-time transaction synchronization with categorization

Account Management

Multi-account support with balance tracking

Data Pipeline

ETL pipeline for financial data processing

Success Metrics

MetricTarget
Ledger transaction latencyLess than 1ms
Data accuracy99.99%
Concurrent users10,000+
Balance updatesReal-time

Implementation Dependencies

Technical Dependencies

  • Phase 1 must complete before Phase 2-8 (foundation required)
  • Phase 2 enables advanced analytics in Phase 3-5
  • Phase 4 payment infrastructure supports Phase 5-7
  • Phase 6 tax engine integrates with all previous phases

Business Dependencies

  • User acquisition scales with each phase
  • Revenue model evolves from freemium to subscription to enterprise
  • Partnership agreements needed before certain integrations
  • Regulatory compliance required for investment and tax features

Success Metrics by Phase

PhaseKey MetricsTarget
Phase 0Website conversion rate5%+
Phase 1Active accounts connected10,000+
Phase 2Transactions categorized/month1M+
Phase 3Credit scores monitored5,000+
Phase 4Payment volume/month$10M+
Phase 5Assets under tracking$100M+
Phase 6Tax returns filed1,000+
Phase 7Business accounts500+
Phase 8Automated actions/month100K+

Risk Mitigation

Critical Risks

  • Regulatory compliance (especially Phase 5-6)
  • Data security and privacy
  • Third-party API dependencies
  • Scaling infrastructure costs

Mitigation Strategies

  1. Regulatory: Legal review at each phase gate
  2. Security: SOC 2 Type II certification by Phase 3
  3. Dependencies: Multi-provider redundancy
  4. Infrastructure: Cloud-native architecture with auto-scaling

Next Steps

Phase 0 Completion

Complete website rebrand and developer documentation

Phase 1 MVP

Launch core banking integration with early access

User Feedback

Gather feedback from beta users for Phase 2 planning

Partnership Development

Secure key partnerships for Phase 3-4 features

Funding Round

Series A funding to accelerate Phase 5-8 development

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IntroductionCore Technologies