Strategic Research Dashboard

1 Contract Completion Status

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#	Contract	Layer	Status	LOC	Progress

2 Competitor Landscape

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Protocol	Category	Scale	Revenue / TVL	Threat Level	Our Moat vs.

3 4-Model Verdict Summary

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Decision Area	Grok (CTO)	Gemini	Opus	Codex	Converged

4 Revenue Model & FICO Architecture

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RMT Credit Score Tiers (FICO Model)

750-850

Premium — $10,000+ credit line

0% fee

650-749

Standard — $1K-$10K credit

2-4% fee

550-649

Emerging — $100-$1K credit

5-8% fee

400-549

Bootstrap — $0-$100 micro-boost

N/A

<400

Blocked — no credit access

Blocked

Score Computation Weights

40%

Payment History (on-time rate)

20%

Utilization Rate (spending vs. limits)

15%

History Length (time active)

10%

Channel Diversity (unique channels)

15%

Attestation Quality (KYC tier, anchors)

Fee Structure

Fee Type	Rate	Recipient	Notes
Transaction Fee	0.1%	Protocol Treasury	Competitive vs. Stripe 2.9%
Oracle Fee	0.05%	RMT Oracle Operators	Incentivizes oracle quality
Relayer Fee	0.05%	Session Key Relayers	Infrastructure incentive
Yield Fee	20% of yield	Protocol (80% to user)	X402YieldEscrow → Aave
Channel Creation	$1-$25 USDC	Protocol	Template $1, Custom $5-$25
RMT 600+ Discount	0.02%	High-trust discount	5x cheaper than base rate

Revenue Projections

Year 1

50K ch

$180K/yr

Year 2

500K ch

$1.8M/yr

Year 3

5M channels — AI agent economy

$72M/yr

5 Roadmap Timeline

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Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Jan '27

Feb

Mar

Phase 1

Foundation & SDK

Phase 2

Integrations & Testnet

Phase 3

Mainnet & Credit MVP

Phase 4

Scale & Cross-Chain

Phase 5

Enterprise & Ecosystem

Phase	Timeline	Key Milestones	Success Metrics
Phase 1	Apr-Jun 2026	SDK on npm, Express/Next.js middleware, EAS schema, LangChain TrustChannelTool	10 developer advocates, 100 test channels
Phase 2	Jun-Aug 2026	Claude + OpenAI integrations, Eliza plugin, Base chain X402Router deploy	1,000 channels, $1M monthly volume
Phase 3	Aug-Oct 2026	Credit line MVP ($500 max), RapidAPI partnership, Stable Network mainnet	5,000 channels, first credit lines issued
Phase 4	Oct-Dec 2026	Cross-chain bridges (LayerZero/CCIP), Arbitrum/Optimism routers, scale oracle	50K channels, $100M cumulative volume
Phase 5	Jan-Mar 2027	Enterprise SLAs, full credit product, Hugging Face/The Graph, DAO governance	500K channels, $72M ARR trajectory

6 Threat Assessment

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Threat Vector	Level	Description	Mitigation	Residual Risk

7 Decision Log — 10 Converged Decisions

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8 Virtuals Protocol Analysis — ADOPT / ADAPT / REJECT

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Virtuals Protocol: 18K agents, $60M revenue, $1.2B FDV. Analysis of their patterns applied to Trust Channels.

9 Open Questions — 7 Follow-Up Items

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Agentic Payments & Trust Infrastructure