Roadmap
Where Maren is heading: mobile-first Bitcoin spending, shipped audit-first.
Maren's direction is simple: let anyone spend Bitcoin from their phone without selling it. The path there is ordered by safety, not by marketing. Nothing that touches other people's Bitcoin reaches mainnet before an independent audit, and the pooled vault launches capped either way.
This page states plans as plans. What already exists is on What is real today and proven, transaction by transaction, in the repo. Everything below the current phase is planned, not shipped.
The phases
Five contracts live on Mezo testnet 31611: pooled vault, payments, name registry, ERC-4626
Earn, and the relay hub. The full loop runs end to end: deposit BTC, borrow from 0.001 BTC,
pay a name, send a link, request money, and Earn. The web app is live against matsnet; the
iOS app reads and writes live against those same contracts on matsnet, signing with a
secp256k1 key held in the iOS Keychain behind Face ID. The borrow path has executed on-chain
from the app, first on 17 August 2026 (tx 0x28bb5ec1…7ef2).
The iOS app ships to a small TestFlight beta on matsnet, and the gasless relayer gets hosted so users stop paying gas after their first deposit. The relayer is built and fully tested today; hosting it is one command plus funding a hot wallet.
An independent third-party audit of MarenVault and MarenRelayHub, the two contracts that
carry risk, with findings and remediations published. No Maren contract reaches mainnet before
this.
Mainnet launch on chain 31612 with a hard-capped pooled vault. The cap is raised only as the
position proves out, never on a schedule.
Money links polished for people who have never held crypto, bank cashout through licensed off-ramp partners in the first corridors, and a small merchant pilot settling in MUSD over Mezo's x402 rail. Design work, not code, today.
The vault cap rises on evidence
The pooled vault is the one component that can lose user funds through a Maren design failure, so its cap is gated on proof, not time. See Risk for the full picture.
| Phase | Cap | Gate |
|---|---|---|
| Mainnet launch | 5 BTC | 14 days, no keeper failure |
| Post-audit | 25 BTC | Critical and High findings resolved |
| Post-traction | 100 BTC | 60 days of clean liquidation history |
If the team cannot satisfy itself the pooled vault is safe, Maren ships without it. Direct troves, gasless payments, and Earn are valuable on their own. This commitment is binding.
How we will know it is working
Every measure of success is readable from the chain by anyone. The one that matters most is the spend ratio: of the addresses that borrowed, the fraction that then spent what they borrowed.
| Metric | What it shows |
|---|---|
| Funded positions below the protocol minimum | Borrowers who could not exist without Maren |
| MUSD borrowed through the pooled vault | New MUSD in circulation, attributable on-chain |
| Payments settled against names and links | The money-app claim, measured |
| Link claims by brand-new addresses | The growth loop working |
| Spend ratio | Whether people spend Bitcoin, not just borrow against it |
Read live on matsnet on 2026-09-07, the pilot showed 3 funded positions, 2,110.72 MUSD borrowed,
14 payments totalling 27.70 MUSD, 39.00 MUSD of Earn TVL across 3 depositors, and a spend ratio
of 66.7% (2 of 3 borrowers have spent). These are testnet numbers from a handful of accounts,
most of them ours — they show the loop works end to end, not that demand exists. Regenerate them
with pnpm --filter @maren/metrics start. See Verify on-chain.