Zoi Network Roadmap: Upcoming Products and Network Upgrades
What Are the Key Development Stages in the Zoi Network Roadmap?
Over a billion adults have no bank account, yet far more of them carry a phone. Many live where the network is slow, costly or gone for hours at a time. Zoi was designed for exactly that gap.
This post walks through the Zoi Network roadmap as published in the official whitepaper. It covers what ships, roughly when, and why it ships in that order.
Key takeaways
Zoi ships named products with target quarters, and each one is a step toward offline payments.
Eight protocol phases sit under those products. Each ships only when its output is real.
The wallet, transfers and offline payments open on the privatenet first. That leaves the token launch with one job: moving balances.
What is Zoi Network?
Zoi Network is a payment network built for places where the signal is weak or missing. Its own description is “signed bearer notes over Bluetooth mesh, portable trust, on-chain settlement.”
The company behind it is a US company incorporated in Wyoming, building for a global audience from day one. The app is available in nineteen languages, and the first phones on the network will be wherever people install it.
Source: official website.
How Zoi works, and why it exists
Most payment systems assume a steady connection. Zoi starts from the opposite assumption. If two people stand next to each other, their phones can pay each other over Bluetooth, and the payment is as good as the trust between them plus whatever the surrounding network adds.
When the internet returns, the payment settles on-chain and is as good as any payment on any chain. Phones on the mesh carry and witness transfers, and the token is earned in proportion to work the network can verify.
Identity stays with the issuer, never on the mesh, the relays or the chain. That is the reason the project exists. Its stated belief is that money should work everywhere, even offline.
Zoi roadmap products and target dates
Near-term products have a target quarter. Products further out have no date yet. Status is Live, In progress or Planned, and any moved date gets announced in the Changelog.
When | Product | Status |
Live now | Zoi App | Live |
Q4 2026 | Zoi Handshake, ZMesh Map, Zoi Lab | In progress |
Q1 2027 | ZMesh, Zoi Wallet, Identity verification, Handshake rewards | Planned |
Q2 2027 | Zoi Send | Planned |
H2 2027 | Zoi Offline, Relay and witness rewards | Planned |
The Zoi App is already live. Users sync every four hours, keep a streak, invite friends and earn ZOI from day one.
What lands in Q4 2026
Zoi Handshake is simple. Two phones come close over Bluetooth and both get a “met” badge. It suits meetups, events and classes, and at first it gives a badge only.
ZMesh Map is a live map that lights up city by city wherever Zoi phones are. It shows density only, with no names and no single phones. The first version needs no location permission.
Zoi Lab is where the offline-first payment network gets its first real test. Zoi Lab Q4 2026 early access lets people send test tokens (tZOI) phone to phone over Bluetooth, with no internet, and watch them settle once a phone gets online.
Lab tokens have no value and never become ZOI. Nothing of worth moves, so Lab needs no identity check.
Zoi Wallet Q1 2027 and what arrives with it
Zoi Wallet in Q1 2027 puts balance and history in one place. The keys are made on the user’s phone, and Zoi never holds them.
Three other things arrive in the same quarter:
ZMesh carries chat and SOS messages phone to phone. It runs on the same Bluetooth mesh as Lab, so the mesh is proven with messages before money moves over it. It does not replace emergency services.
Identity verification opens transfers. Syncing still needs no ID document.
Handshake rewards start paying ZOI, with strict limits: only human-checked accounts, one reward per pair of people ever, and a small daily cap.
Zoi Send follows in Q2 2027. It lets verified people send ZOI online, with a fixed 0.5 ZOI fee and daily limits.
Source: official whitepaper.
Zoi Network protocol phases
Under the products, the protocol is built in phases ordered by dependency.
Phase | Name | Status |
0 | Design and simulation | In progress |
1 | Online prototype | In progress |
2 | Offline transfer | In progress |
3 | Phone witnesses | Up next |
4 | Reward engine | Planned |
5 | Certified payment points | Planned |
6 | Chain MVP | Planned |
7 | Ecosystem | Planned |
Zoi Network roadmap phases explained
Phases 0 to 2 are the foundation. The team defines the note and transfer formats, simulates double-spend attempts, broadcasts transfers over relays, then moves note transfers onto Bluetooth. Zoi Lab runs Phase 2 with test tokens, and Zoi Offline later brings it to real ZOI.
Phase 3 lets phones sign witness receipts that feed the risk score. Phase 4 pays rewards after settlement and adds fraud-proof bounties with anti-spam rules.
Phase 5 registers certified payment points for merchants. Phase 6 is the chain MVP, with validators, on-chain note ownership and light-client proofs. Phase 7 releases the SDK and merchant tools for third-party apps.
The ZOI token roadmap
Everything starts on the Zoi privatenet. Its genesis holds the full supply of 10 billion ZOI, and after genesis nothing is minted. A sync reward is a transfer out of the mining pool, inside a daily quota. The cap is something anyone can check rather than something to take on trust.
The daily quota and its halving dates apply on the privatenet from 1 December 2026.
Over time, more of each sync payout comes from real network work, relaying and witnessing, and less from the base reward.
Zoi Chain mainnet and TGE timeline
At the Token Generation Event (TGE), balances move from the privatenet to mainnet. The planned conversion is 1:1.
The order is deliberate. By the time mainnet arrives, the wallet, transfers and offline payments should already be proven in daily use. TGE then only has to move balances.
Two things are still undecided and will be announced ahead of TGE: the date, and whether migrated balances unlock all at once or over time. Zoi Chain itself sits in the “further out” group with no date yet.
The roadmap at a glance
What comes after 2027
These items need offline traffic, hardware or country rules first, so none has a date.
Zoi Beacon: a small device for homes and shops that strengthens the local mesh. It earns only for verifiable work.
Zoi Card: a tap-to-pay card with a secure chip, built for people without a smartphone.
Zoi Pay: shops and markets accept ZOI, online and offline.
Zoi ID: a private proof of being human, issued once.
Zoi SDK: Zoi’s offline payment rails for other apps.
Final word
The Zoi Network roadmap is cautious by design. Each step opens only when the one before it works. That is slower than a big launch, but it is easier to trust. The team sums it up in one line: “Accepted offline. Settled on-chain. Built by the phones that carry it.”
Disclaimer: This article is for information only and is not financial advice. All dates are targets, not promises. Until TGE, ZOI balances are in-app rewards, not listed on any exchange and with no price. Always check the official whitepaper and Changelog for the latest updates.
