Technical Development Roadmap
Last updated
Last updated
The t3 Protocol represents a fundamental advancement in decentralized finance, specifically addressing the critical limitation of over-collateralization in on-chain lending. With the current DeFi lending market comprising only 0.5% of the $1.4 trillion global lending market, our protocol aims to bridge this gap through the implementation of AI-managed under-collateralized lending. This roadmap outlines our methodical approach to development and deployment, our timeline and technical implementation details.
Our initial MVP was successfully launched during the Solana AI hackathon, establishing our foundational architecture on the Solana blockchain. This initial MVP demonstrated the viability of our core concept while highlighting areas for further development, helping establish a future development roadmap.
During this phase, we successfully implemented basic Solana integration and lending logic, creating the foundation for our protocol. We developed initial risk theory and methodologies that would determine our approach to under-collateralized lending, while also creating preliminary account management systems. A key achievement during this phase was establishing a connection with Jupiter for trade execution, ensuring our system could interact with existing liquidity sources.
While this phase confirmed our technical approach, it also revealed the need for additional security layers and more sophisticated fund management capabilities.
Building on our initial product, we have now finalized the critical Proof of Concept phase with a significant milestone – the initial beta release featuring controlled user onboarding. This phase focuses on validating our core hypotheses in real-world conditions while maintaining strict risk controls. We have implemented a carefully managed user onboarding process with individual admissions to closely monitor portfolio performance and system behaviour, allowing us to make refinements to our platform.
A central focus of this phase is the development of our dynamic lending infrastructure – this requires continuous portfolio monitoring, adjustments, and validation. Each user receives personalized access to undercollateralized loans and the ability to utilize them to trade thousands of products. The products are selected based on their risk and are adjusted according to market conditions. The testing and validation of lending technology and its execution by the agent represent the main objectives behind the initial onboardings.
To support initial lending activities, we have established controlled lending environments using private capital while our public lending infrastructure continues development. The system currently focuses on Solana-based assets with strategic plans to expand support for a broader range of tokens, providing users with diverse trading options as we progress.
Throughout this phase, we closely monitored system performance, including response times, calculation accuracy, and overall stability. This data will be crucial for fine-tuning our systems and preparing for broader deployment. Onboarded users were granted access for a limited period and access to a broader range of actions and abilities was provided as they progressed through the testing. For more information on user onboarding, please see our Getting Started page.
Results of testing will be posted upon the completion of each phase, which includes the testing of lending infrastructure, risk engine interaction, trade execution optimization, and more.
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Following our successful proof of concept, Phase 2 will focus on significant expansion of platform capabilities, risk management sophistication, and user experience enhancements.
A major development during this phase will be the production of comprehensive APIs enabling integration with partner platforms as requested by our users (e.g., Neur, Hey Anon, Cookie3). These integrations will allow their users to access t3's under-collateralized lending services through familiar interfaces, expanding our reach without requiring users to adopt a new platform.
Further agent functionalities and data pipelines will be incorporated. An example of such incorporation is the implementation of innovative yield generation mechanisms through Ethena-backed staking (or equivalent yield farming methods) combined with loan interest to create the highest yield offering in the ecosystem. This approach will merge the benefits of traditional yield farming with our unique lending model, creating optimized returns for users while maintaining appropriate risk controls.
Additionally, we aim to implement the development of custom execution features via our AI agent. This will introduce concepts like parked and limit orders that execute based on specific market or risk conditions or price targets, giving users more sophisticated trading options without requiring constant monitoring.
Phase 2 will mark our transition from controlled onboarding to full public launch, opening access to all users with appropriate risk controls and monitoring systems in place. This significant milestone will bring our approach to undercollateralized lending to the broader DeFi community, dramatically expanding our user base and market impact. Concurrent with this launch, we will introduce social trading capabilities and fund creation features, enabling users to invest in other users' UAWs. This functionality will allow talented traders to create custom funds within our platform, creating new income streams for successful traders while giving less experienced users access to sophisticated trading strategies.
Our risk engine will undergo significant enhancements during this phase with the implementation of more sophisticated portfolio theory components and expansion of product trading capabilities beyond initial limitations. We will integrate multiple data providers including DEX aggregators, social media platforms, and trading-specific data sources to enhance risk assessment and decision-making processes. This multi-faceted data approach will provide our AI systems with a more comprehensive view of market conditions and opportunities.
The development of our DeFi unification layer will aggregate lending, trading, and risk monitoring functionalities into a single cohesive platform, simplifying and unifying DeFi access for users. This integrated approach will reduce friction and complexity, making sophisticated DeFi activities accessible to a broader audience. We will expand beyond our initial Jupiter integration to support a wider range of exchanges and liquidity sources, providing users with more trading options and improved liquidity across a variety of market conditions.
Beyond functionality expansion, agent refinement, and data integration, we are planning several project rollouts towards the end of 2025. They allow for agent-to-agent lending infrastructure, sophisticated trading execution and management, and more. This section will be continuously updated as more projects are integrated into our roadmap.
The development and implementation of standardized APIs for seamless lending partner integration will ensure consistent risk data transmission and portfolio health monitoring across our expanding network. These APIs will serve as the foundation for our growing ecosystem, enabling efficient communication between our platform and a variety of external services. We will implement comprehensive monitoring systems to track all aspects of loan performance and risk metrics across our partner network, providing real-time visibility into system health and performance.
The final phase of our initial roadmap focuses on further functionality improvements and comprehensive security hardening to ensure long-term sustainability and resilience of our platform. Some planned integrations include those outlined in this section. These will be continuously updated as the roadmap develops further.
Our security hardening strategy implements an in-depth approach critical for maintaining protocol integrity and user trust. We will deploy multi-layer protective infrastructure including circuit breakers that automatically pause functions during suspicious activity, tiered access controls for critical operations, and AI-powered anomaly detection to identify threats before exploitation. On the risk management front, we'll establish isolated risk environments preventing contagion between asset classes, implement dynamic collateral requirements adjusting to market conditions, and develop an automated deleveraging protocol for systematic risk reduction during market turbulence. This comprehensive approach will be reinforced by sequential audits from multiple independent security firms and an ongoing bug bounty program.
A major advancement during this phase will be the introduction of sophisticated AI-powered strategy execution capabilities, enhancing user profitability and risk management through intelligent, automated trading approaches. Leveraging our partnerships, we will offer a suite of automated trading strategies including delta-neutral and mean-reverting approaches that cater to various risk appetites and market conditions. These strategies will make sophisticated trading techniques accessible to users without requiring deep technical knowledge or constant market monitoring.
We will further enhance liquidity and trading efficiency by establishing direct connections with institutional partners and market makers, providing access to deeper pools of liquidity and more favourable trading conditions. This institutional integration will represent a significant advancement in bridging the gap between traditional finance and DeFi, bringing institutional-grade liquidity to our decentralized platform.
