Product Roadmap

Our journey to build the most comprehensive ledger service for emerging markets. We build incrementally, shipping working features frequently rather than waiting for complete solutions. Each release adds real value you can use immediately.

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Foundation Complete

All features production-ready and being used by customers

The foundation is solid and battle-tested. Our customers are already building production applications on this infrastructure.

✅ Multi-Tenant Architecture (Completed August 2025)

Enterprise-grade isolation and security:

Schema-per-Tenant ensuring complete data separation for regulatory compliance
API Key Management with scoped permissions and role-based access control
User Authentication with JWT tokens and secure session management
Tenant Onboarding with automated setup and configuration

✅ Chart of Accounts Management (Completed September 2025)

Complete account management with business-specific templates:

Hierarchical Account Structure with parent-child relationships and unlimited nesting
Business Templates for wallets, payments, lending, trading, and more
Multi-Currency Support (NGN, USD, GBP, EUR) with proper separation
Account Metadata for banking integration, compliance, and operations
Nigerian Templates with CBN-compliant account structures
Regulatory Reporting Structure designed for CBN examinations and audit requirements
Local Business Templates tailored for Nigerian fintech operations and compliance

Production Status: These features power real fintech applications processing live customer transactions. Our foundation is battle-tested and ready for scale.

Q4 2025: Transaction Processing Complete ✅

LAUNCHED: September 2025 - Now available to all customers

The core transaction engine is complete and processing real transactions for production customers.

✅ Double-Entry Transaction Processing (Completed September 2025)

Complete transaction engine with automatic double-entry validation:

Simple Transaction API - Post journal entries with automatic debit/credit validation
Double-Entry Transaction API - Full accounting with balanced debits and credits
Idempotency Keys - Prevent duplicate transactions with unique request identifiers
Atomic Transaction Processing - All-or-nothing posting with rollback on errors
Multi-Currency Transactions - Handle FX conversions and cross-currency flows
Transaction History - Complete audit trail with searchable transaction logs
Transaction Lines API - Detailed access to individual transaction line items

✅ Real-Time Balance Engine (Completed September 2025)

High-performance balance calculations with conflict resolution:

Optimistic Concurrency Control - Handle high-volume concurrent balance updates
Real-Time Balance Materialization - Instant balance calculations after each transaction
Balance History Tracking - Point-in-time balance queries for any account
Currency-Specific Balances - Separate balance tracking for each currency
Balance Validation - Automatic checks for negative balances where not allowed

✅ Event-Driven Webhooks (Completed September 2025)

Real-time notifications for all ledger events:

Transaction Events - Immediate notification when transactions are posted
Balance Change Events - Real-time balance update notifications with before/after amounts
Account Events - Track account creation, modification, and status changes
Reliable Delivery - Exponential backoff retry logic with dead letter queues
HMAC Signature Verification - Cryptographic security for webhook authenticity
Delivery Management - Monitor, retry, and track webhook delivery status
Event Filtering - Subscribe to specific event types and account patterns

Production Status: All transaction processing features are live and processing millions of Naira daily for Nigerian fintech customers.

Q1 2026: Advanced Features

Enterprise-grade capabilities for scaling businesses

Taking the platform to the next level with advanced reconciliation, analytics, and business intelligence.

📅 Advanced Reconciliation Tools

Target: February-March 2026

Automated workflows for bank and partner reconciliation:

Bank Statement Import - Automatic import and parsing of bank statements (CSV, OFX, MT940)
Three-Way Reconciliation - Match ledger entries with bank statements and payment providers
Exception Management - Automated flagging and workflow for unmatched items
Reconciliation Dashboard - Visual status tracking and reporting for finance teams
Multi-Bank Support - Handle reconciliation across multiple Nigerian bank partners
Automated Matching Rules - Configurable rules for automatic transaction matching

📅 Business Intelligence & Analytics

Target: March 2026

Advanced insights and performance metrics for business operations:

Revenue Analytics - Transaction volume trends, fee optimization insights
Customer Behavior Analysis - Transaction patterns and usage analytics
Performance Dashboards - Real-time KPIs and operational metrics
Predictive Analytics - Cash flow forecasting and trend analysis
Risk Metrics - Transaction risk scoring and monitoring dashboards
Custom Analytics Widgets - Build custom metrics and visualizations

📅 Bulk Operations & Import Tools

Target: March 2026

Handle large-scale data operations efficiently:

Bulk Transaction Processing - Process thousands of transactions in single API calls
CSV Transaction Import - Import transactions from spreadsheets with validation
Data Migration Tools - Import existing ledger data from other systems
Batch Status Tracking - Monitor progress of large import/export operations
Validation and Error Handling - Comprehensive validation with detailed error reporting

H1 2026: Scale & Expansion

Pan-African expansion and enterprise features

Expanding across Africa and adding sophisticated enterprise capabilities.

📅 Enhanced Multi-Currency Operations

Target: April-May 2026

Sophisticated FX handling and cross-border transaction support:

Real-Time FX Rates - Integration with reliable FX rate providers (CBN, commercial providers)
FX Gain/Loss Calculation - Automatic calculation and booking of currency gains/losses
Cross-Currency Transactions - Seamless handling of multi-currency transactions
FX Risk Management - Tools for hedging and managing currency exposure
Multi-Currency Reporting - Consolidated reporting across different currencies

📅 Pan-African Market Expansion

Target: May-August 2026

Multi-country support with local compliance and currency handling:

Ghana Operations - Full GHS support with Bank of Ghana compliance
Kenya Integration - KES support with Central Bank of Kenya requirements
South Africa Expansion - ZAR support and South African regulatory compliance
Multi-Country Reporting - Consolidated reporting across African operations
Local Payment Rail Integration - Connect with local payment systems in each market
Regional Compliance Templates - Account structures for each African market

📅 Enterprise Platform Features

Target: June-August 2026

Advanced capabilities for large-scale fintech operations:

Advanced User Management - SSO integration, advanced role hierarchies, audit logging
Custom Compliance Engines - Configurable rules engines for specific regulatory requirements
Dedicated Infrastructure - Private cloud deployments and dedicated database instances
Advanced Security Features - HSM integration, advanced encryption, security compliance certifications
White-Label Deployment - Fully branded deployments with custom domains and styling
Enterprise SLAs - 99.99% uptime guarantees with priority support

H2 2026: Innovation & Ecosystem

Platform ecosystem and next-generation features

Building the developer ecosystem and exploring future technologies.

📅 Developer Ecosystem

Target: September-December 2026

Platform ecosystem with third-party integrations and community features:

Developer Marketplace - Third-party apps and integrations built on our platform
Partner Certification Program - Certified integration partners and implementation consultants
Community SDKs - Open-source SDKs and tools maintained by the community
Integration Templates - Pre-built integrations with popular Nigerian fintech tools
Advanced Webhook System - Complex event routing, transformation, and filtering
GraphQL API - Modern GraphQL interface alongside REST APIs

📅 AI-Powered Features

Target: October-December 2026

Intelligent automation and insights:

Intelligent Transaction Categorization - AI-powered automatic transaction classification
Fraud Detection - Machine learning models for real-time fraud detection
Predictive Cash Flow - AI-driven cash flow prediction and optimization
Anomaly Detection - Automated detection of unusual transaction patterns
Natural Language Queries - Chat-based financial data exploration

Innovation Lab

Research & Development - Future Technologies

Exploring the future of financial infrastructure with emerging technologies.

🔬 Next-Generation Architecture

Research Phase

Investigating cutting-edge technologies for future scalability:

Serverless Ledger Components - Event-driven, serverless transaction processing
Edge Computing - Distributed ledger nodes for ultra-low latency
Advanced Event Streaming - Real-time data streaming with Apache Kafka and Pulsar
Performance Optimization - Sub-10ms transaction processing targets

🔬 Blockchain & Digital Currency Integration

Exploration Phase

Preparing for the future of digital money in Africa:

CBDC Readiness - Integration capabilities for Central Bank Digital Currencies
Stablecoin Infrastructure - Support for USD and NGN stablecoins
Cross-Chain Asset Management - Multi-blockchain asset tracking and management
Smart Contract Integration - Automated settlement through smart contracts

🔬 Advanced Compliance & Risk

Research & Development

Next-generation compliance and risk management:

Automated Regulatory Reporting - AI-powered generation of regulatory reports
Real-Time Compliance Monitoring - Continuous compliance checking and alerting
Advanced Risk Scoring - Dynamic risk assessment with continuous learning
Regulatory Sandbox Integration - Connect with central bank sandbox environments

Our Development Philosophy

Name
🚢 Ship Working Features Frequently
Description
We release working, production-ready features regularly instead of waiting for perfect complete solutions. Each release adds immediate value.
Name
🎯 Customer-Driven Development
Description
Our roadmap is shaped by real customer needs and feedback. We build what our users actually want and will pay for.
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🔄 Backward Compatibility Promise
Description
We never break existing integrations. All changes are additive with proper deprecation cycles and migration support.
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💬 Transparent Communication
Description
Regular updates on progress, challenges, and timeline adjustments. No surprises, no unrealistic promises.

How We Prioritize

Customer Impact - Features that directly solve customer pain points get priority
Revenue Impact - Capabilities that help customers grow their business and ours
Regulatory Requirements - Compliance features needed for market expansion
Technical Foundation - Infrastructure improvements that enable future capabilities

Timeline Confidence Levels

Q4 2025 - Complete ✅ (Transaction processing launched September 2025)
Q1 2026 - High confidence, detailed planning complete
H1 2026 - Medium confidence, planning phase
H2 2026 - Lower confidence, subject to customer demand and market conditions
Innovation Lab - Research phase, no committed timelines

Get Involved in Shaping Our Future

Production Access

Start building with our complete transaction processing platform:

Full transaction processing with double-entry accounting
Real-time webhooks for immediate notifications
Complete API documentation with working examples
Nigerian market expertise and CBN compliance built-in

Community Feedback Opportunities

We actively seek input from the Nigerian fintech community:

Monthly Product Demos with live Q&A sessions
Feature Request Voting - vote on which features matter most to your business
Technical Advisory Board - join other fintech leaders in shaping our platform
Open Office Hours - direct access to founders and product team

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Last Updated: September 26, 2025
Next Major Update: October 31, 2025

Questions about our roadmap? Want to influence our priorities? Reach out to our product team at product@whocomply.com