6-Month Roadmap

Finix Product Roadmap

"Control-First Activation" + "Developer Experience = Ops Experience"

Outcomes-driven roadmap tied to competitive analysis findings and feature recommendations. Structured around measurable success criteria with clear dependencies.

Horizon: Feb 2026 - Jul 2026 (6 months)

Positioning Thesis

  • Win on "control-first activation"

    Turn Finix's API-first onboarding advantage ("platform has the most control over UX") into measurable conversion + time-to-live lead by shipping OCE (timeline, requirements, remediation, pre-underwrite validation).

  • Make developer experience = ops experience

    Ship DCS (Events v2 + Events API + replay + scenario harness) so platforms integrate faster and debug less—closing key reliability/observability gaps where incumbents have partial coverage.

  • Match competitors' "ops visibility" without giving up platform ownership

    OCE's KYB timeline (Adyen benchmark) + merchant-safe reason codes reduces underwriting back-and-forth while preserving platform as system-of-record (vs Stripe's embedded model where Stripe may manage risk/comms directly).

6-Month Timeline

1
Feb 2026

Baselines + Safety Rails

Discovery-first + foundations

  • [Discovery] Pilot platform interviews + reason-code comprehension tests; remediation UX prototype testing
  • [Foundation] Event taxonomy + dashboards scaffolding; RBAC/audit requirements; data retention decisions
  • [Build start] OCE validation + requirements API skeleton; DCS Events v2 schema + event store design

Deliverables

Final reason-code tiering spec (merchant-safe vs platform-only)OCE API contracts v0.1DCS Events v2 envelope spec v0.1Baseline dashboards (activation/time-to-live, underwriting cycle time, webhook delivery)
2
Mar 2026

OCE MVP -> Pilot

Ship OCE MVP; start DCS build

  • [OCE] Deliver MVP: validation (top rules), requirements API, remediation sessions, requirements_updated webhook
  • [DCS] Start MVP implementation: Events v2 for onboarding, Events API read paths
  • [GTM] "High-conversion onboarding funnel" integration guide draft

Deliverables

OCE MVP behind feature flagsRemediation hosted flow v0Webhook/event emitted for requirements changesPilot runbook + support tagging scheme
3
Apr 2026

DCS MVP -> Pilot + OCE Iteration

Ship DCS MVP; iterate OCE

  • [DCS] Deliver MVP: Events v2 for onboarding, GET /events, replay, basic diagnostics, 1 sandbox scenario
  • [OCE] Expand remediation coverage + improve validation rules; start check-level timeline design

Deliverables

Events v2 opt-in endpoints (onboarding)Events API v0Replay v0 + audit logsDiagnostics: last 20 attempts + last errorScenario harness v0 (1 scenario)
4
May 2026

Beta Expansion (OCE + DCS)

Check-level timeline + events expansion

  • [OCE Beta] Check-level KYB timeline; richer requirements/next-best-actions; initial analytics endpoints
  • [DCS Beta] Extend Events v2 + replay to transfers/payouts; add 2 more scenarios; diagnostics improvements
  • [Enablement] Internal CS/Ops training + launch kits

Deliverables

OCE timeline v1 + analytics endpoints v1DCS events coverage expanded (onboarding + transfers/payouts)Scenario library v1 (3 scenarios)Support tooling + SOPs
5
Jun 2026

Hardening + Scale Readiness

Security, performance, migration readiness

  • [Hardening] Performance (p95), reliability SLOs, abuse controls for replay, retention tuning
  • [Migration] Tooling to help platforms adopt Events v2; documentation completion; reference implementations
  • [GTM] Packaging narrative ("activation + consistency suite"), sales/demo assets, beta expansion playbook

Deliverables

Security review complete (OCE + DCS)SLO dashboards + alerting for webhooks/events endpointsFull docs + reference app updatesGA checklist signed
6
Jul 2026

GA + Scale + Optimization

GA launch and optimization

  • [GA] OCE GA + DCS GA (per PRDs' GA candidate window)
  • [Scale] Broaden tenant availability; finalize dashboards; continuous optimization on top drop-off reasons
  • [Operate] Incident playbooks, quarterly roadmap for expansion (fast-lane, more event domains)

Deliverables

OCE GA (validation + requirements + remediation + timeline + analytics)DCS GA (Events v2 + Events API + replay + diagnostics + scenario harness)Public-facing docs + internal enablement complete

KPI Targets

Measurable outcomes tied to roadmap delivery.

MetricBaselineTarget
Activation Rate (NSM)Feb 2026+15% relative
KYB/KYC Time-to-LiveFeb 2026-30% for low-risk SMB
Underwriting Cycle TimeFeb 2026-35% for low-risk cohort
Update-Request Loop RateFeb 2026-25%
Onboarding Tickets/100Feb 2026-25%
Developer Velocity (signed -> first live txn)Feb 2026-20% median time
Webhook Delivery SuccessFeb 2026>=99.5% for enabled endpoints
Time-to-Debug (webhook incidents)Feb 2026-30%
Dispute Loss Rate (guardrail)Feb 2026No worse than +3% relative
Payout Tickets/1000 PayoutsFeb 2026-10%

Key Tradeoffs

Explicit decisions made to optimize for the stated outcomes.

  • 1

    Ship OCE MVP fast with limited doc types to validate conversion impact early

  • 2

    Keep Events v2 opt-in (slower standardization) to avoid breaking existing integrations

  • 3

    Prioritize onboarding events first for DCS—highest impact on time-to-live and tied to OCE

  • 4

    Defer "fast-lane underwriting" unless OCE improves cycle time safely via fewer loops first

  • 5

    Invest in dashboards + support enablement earlier—these are "ops products" where adoption depends on confidence

Feature Bets in This Roadmap

This roadmap incorporates the following recommended features from competitive analysis.

Onboarding Conversion Engine

Full PRD with requirements and rollout plan

Developer Consistency Suite

Full PRD with requirements and rollout plan

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