THE PARCO PRODUCT MAP

Every promise.
A visible place in the plan.

See what we’re building for people, businesses and platforms. Explore the core release and the capabilities that follow.

In developmentNo live accounts, transfers or conversions are available. The eight-phase core release serves approved businesses and API partners; open consumer sending has its own later launch.
0Live financial features
12Core features planned
4Later-release features

Showing 16 of 16 features

Planned

Crypto in. Local money out.

Fund an approved transfer with USDT or USDC and pay a recipient in an available local currency, including planned KES routes.

PersonalBusinessPlatforms
DELIVERY SCOPEPhase 3 + 5Depends on: Contracted cash-out route, liquidity and screening.Personal recipient/payer journey. Open consumer sending follows its own launch approval.
Planned

Fiat in. Crypto to their wallet.

Fund through an approved fiat collection route and deliver USDT or USDC to a verified recipient wallet on an enabled network.

PersonalBusinessPlatforms
DELIVERY SCOPEPhase 3 + 5Depends on: Contracted collection, conversion and wallet route.Personal recipient/payer journey. Open consumer sending follows its own launch approval.
Planned

Local currency, across borders.

Connect supported fiat funding and payout routes across KES, EUR, USD and GBP, with the recipient amount confirmed in the quote.

PersonalBusinessPlatforms
DELIVERY SCOPEPhase 3Depends on: Each country, direction and payment method approved.Personal recipient/payer journey. Open consumer sending follows its own launch approval.
Planned

USDT and USDC transfers.

Receive and send the selected stablecoins through approved wallets and networks, with confirmation and screening before funds become available.

PersonalBusinessPlatforms
DELIVERY SCOPEPhase 5Depends on: Token, network, signing and recovery approval.Personal recipient/payer journey. Open consumer sending follows its own launch approval.
Planned

Know the cost before approval.

Review fees, exchange rate, recipient amount and quote expiry before approving a supported transfer or conversion.

PersonalBusinessPlatforms
DELIVERY SCOPEPhase 3Depends on: Executable pricing and available liquidity.Personal recipient/payer journey. Open consumer sending follows its own launch approval.
Planned

Follow every payment.

Track payment progress and exceptions, then review transaction records and statements across funding, conversion and payout.

PersonalBusinessPlatforms
DELIVERY SCOPEPhase 4 + 5Depends on: Reconciled payment and statement records.Personal recipient/payer journey. Open consumer sending follows its own launch approval.
Planned

Get paid against a reference.

Accept an identified customer payment for a business, match it to the correct invoice or reference, and manage unmatched funds.

PersonalBusinessPlatforms
DELIVERY SCOPEPhase 3Depends on: Approved merchant and collection method.Personal recipient/payer journey. Open consumer sending follows its own launch approval.
Planned

One list. Many recipients.

Upload a CSV or send a batch by API. Validate each recipient, review their payout method and track each payment separately.

BusinessPlatforms
DELIVERY SCOPEPhase 4Depends on: Recipient validation and enabled payout methods.
Planned

Prepare, review, approve.

Give teams scoped access, separate preparation from approval, and retain an audit trail for each payment instruction.

BusinessPlatforms
DELIVERY SCOPEPhase 2 + 4Depends on: Verified organisation and approval policies.
Planned

Plan larger conversions.

Request an assisted OTC quote, confirm both settlement legs and track business allocations and treasury movements.

Business
DELIVERY SCOPEPhase 5Depends on: Approved counterparties, limits and prefunding.
Planned

Build payments into your product.

Connect collections, conversions and payouts through a scoped partner API, with idempotent requests and signed payment updates.

BusinessPlatforms
DELIVERY SCOPEPhase 4Depends on: Partner onboarding and approved service scope.
Planned

A verified payment journey.

Complete the appropriate identity or business checks and use protected account access before an enabled service is activated.

PersonalBusinessPlatforms
DELIVERY SCOPEPhase 2 + 3Depends on: Identity, business and screening providers.Personal recipient/payer journey. Open consumer sending follows its own launch approval.
Later release

Fund with an eligible card.

Planned card-to-fiat and card-to-crypto programmes through approved acquiring or onramp partners, with fraud and dispute controls.

PersonalBusiness
DELIVERY SCOPELater · Release BDepends on: Separate card programme and market approval.
Later release

Open personal sender accounts.

A dedicated consumer sending experience after its onboarding, market permissions, limits and support model are approved.

Personal
DELIVERY SCOPELater · Release CDepends on: Dedicated consumer launch approval.
Later release

More markets and recipient choice.

Extend beyond the initially contracted routes as each currency, country, network and local payout method is verified.

PersonalBusinessPlatforms
DELIVERY SCOPELater · Release CDepends on: Country-by-country provider approval.
Later release

Cards and card payouts.

Evaluate issued cards and push-to-card payouts as separate products with their own partners, eligibility and settlement rules.

PersonalBusinessPlatforms
DELIVERY SCOPELater · Release DDepends on: Separate issuing or payout programme.

Reviewed 2026-10-21. This catalogue is versioned with the product and updated through reviewed changes. It is not a live feed of private engineering issues. “Planned” does not mean enabled; release evidence and provider approval are required before a feature can be marked live.

EIGHT PHASES · ADVANCE WHEN READY

Weekly targets.
Evidence before activation.

The baseline runs from 21 October to 15 December 2026. Ready work can progress in parallel and phases may finish early. Provider commitments and acceptance gates determine the release.

  1. 01

    Scope & architecture

    Agree the routes, providers and financial design.

  2. 02

    Ledger & identity

    Build the money records, verification and durable workflows.

  3. 03

    Single payments

    Connect collections, executable quotes and payouts.

  4. 04

    Batches & API

    Add approval flows, partner access and reconciliation.

  5. 05

    Stablecoins & OTC

    Complete contracted crypto routes and business journeys.

  6. 06

    Hardening & recovery

    Prove failure handling, security and recovery.

  7. 07

    UAT & release review

    Validate the product, records and operating procedures.

  8. 08

    Controlled launch

    Accept readiness and activate approved routes at agreed limits.