Company roadmap
In progress & recently shipped · up to date as of 5 November 2026
A living view of what is in progress and recently shipped. Planning guardrail: iteration 15.
The strategic initiatives we are betting on, each with its features and current status. Grouped by initiative and badged with its lead.
[Eng] Credit Limit domain
[Eng] Module Federation
Annual Memberships
GoPuff
UX Overhaul: Global Payments hub (phase 2)
Zilch Pro UX Updates
[Decisioning] Advance Change for New Customers
[Decisioning] New Z-APP Experiment to assign Initial Credit Limit (Score)
[Decisioning] Zilch Instant Offer - Show Initial Limit
[Decisioning][Eng] Account improvements - Black Friday
[Issuer] Fraud engine integration into Purchase
[Issuer] Push provisioning
[Product]VC Case Management (Post-MVP)
[Purchase] FX fees
Additional card linking decline codes
Apple MID mappping
Arsenal brand Zilch Card
Card Credential Freshness — Suppress False Purchase Block
Commerce Media Platform (CMP) Prototype
Debit Card Linking Optimisations
Debt Sale - facilitate alternate buyer
Embedded Web View Prototype
Enable FX Fees to be dynamic dependent on Membership tier
Enable pay-at-pump purchases (MCC 5542)
Instant offer improvements
Marketing: Session IDs + firebase updates
Post Purchase Offers (w/DSP)
Push Provisioning/Add to Wallet
Refund Matching Optimisations - Phase 1
Resurrection project automation
Smarter Billing run (Phase 1)
Spend Ready experience
Sponsored Search v2: AdMarketplace
Sponsored Search v2: Images
Support buttons in the app start their Fin procedure directly
[ENG] ATS Aurora migration
[ENG] Available credit limit rework
[ENG] Create Loan in Loan service
[Eng] Management APIs (Fee refunds)
[ENG] RCA automation phase 1
Adding new MCPs to Zilch AI
Collections BACS Payments AI Agent
DMC Integration - Phase 1 (BACS Payments)
Freshsales-Slack
ITAM Goodwill Write-Off Automation
Lusha-Freshsales
Zilch AI for Everyone
[Decisioning] Zilch Transfer Enabler
[Eng] Decouple Rewards from Critical Purchase Path
[Eng] Enable Language Translation
[Fincrime] Expose Risk Profile for a customer to be queried by other internal services
[Fincrime] Zilch Transfer Enabler
[S&R] Transfer work
Service Clawback
Transfers
[Decisioning] Fraud Credit Decisioning Rules
[Decisioning] Voice OTP - Targeting High Risk Customers / Avoiding Low Risk Customers
[Fincrime] Device trust token removals via the Admin Portal
[Fincrime] Fraud Engine Integration into Purchase Flow
[Product] Phase 1: Securing our BE for FinAI
[Purchase] Forced purchases
Commerce Media Platform (CMP) MVP
Forced purchases (incremental auths)
FX fees future state
Gamification/limit building/graduation in early life
New billing run design
Offers Hub/ECJ 3.0 Vouchers
Payment orchestration
Retailer Pages MVP
Smarter/Intelligent Wallet
Zilch Search Rank: Search Organic Ranking
[ENG] CVS: Generic verification preparation
[ENG] Migrate card payment to new payment flow
[ENG] Modularise onboarding FE code
[ENG] New Credit Products tech foundation
[Eng] Roles and Permissions Structure in Admin Portal
[Eng] Transaction History Decomposition
Agentic AI Skill - ITAM Account Reactivation
DSAR Automation (Discovery)
[Eng] Live Activities & Homescreen Widgets
Offer Service
Transfer (Manual)
[Payments] FX Fees - discovery
FX fees future state
VRP for Billing Run payments
[ENG] EHI MSSQL -> Aurora migration
[Eng] OKRs
[Fincrime] Zilch Transfer
Transfer Over Time
Zilch pro - free snooze
[Fincrime] Card Reveal Blocks based on Suspicious Activity
[Fincrime] Zilch Call (in-app indicator)
[Decisioning] Limit Builder v2
[Fincrime] Add arkoseDevice & deviceTrust ID to all events
[Fincrime] App Check Integration
[Fincrime] Failed Wallet Tokenisation Fraud Rules
[Fincrime] phone-call-service
[Fincrime] Self-rescuable blocks via SMS verification
[Payments] Card freshness - Display debit card details retrieved from RTAU
Automate payment links
Decline Purchase Data
Improve debit card linking rules and error states (support the payments team)
Smart Settings V2
Use time-sensitive notifications
Zilch.com reskin
[Eng] [Payments] Zilch Advance cleanup / Techdebt
[Eng] Refunds AP - disovery
Implement network tokens on Cashflows
[Eng] Credit Limit domain
[Eng] Decouple Rewards from Critical Purchase Path
[Eng] Enable Language Translation
[Eng] Live Activities & Homescreen Widgets
[Eng] Module Federation
Offer Service
Service Clawback
UX Overhaul: Global Payments hub (phase 2)
Zilch Pro UX Updates
[Decisioning] Zilch Instant Offer - Show Initial Limit
[Decisioning][Eng] Account improvements - Black Friday
[Fincrime] Card Reveal Blocks based on Suspicious Activity
[Fincrime] Fraud Engine Integration into Purchase Flow
[Fincrime] Zilch Call (in-app indicator)
[Issuer] Push provisioning
[Product] Phase 1: Securing our BE for FinAI
[Product]VC Case Management (Post-MVP)
Additional card linking decline codes
Apple MID mappping
Card Credential Freshness — Suppress False Purchase Block
Commerce Media Platform (CMP) Prototype
Enable FX Fees to be dynamic dependent on Membership tier
Enable pay-at-pump purchases (MCC 5542)
Forced purchases (incremental auths)
Payment orchestration
Post Purchase Offers (w/DSP)
Push Provisioning/Add to Wallet
Refund Matching Optimisations - Phase 1
Smarter Billing run (Phase 1)
Spend Ready experience
Sponsored Search v2: AdMarketplace
Sponsored Search v2: Images
[ENG] Available credit limit rework
[ENG] Create Loan in Loan service
[Eng] Management APIs (Fee refunds)
[ENG] New Credit Products tech foundation
[Eng] OKRs
[ENG] RCA automation phase 1
Adding new MCPs to Zilch AI
Agentic AI Skill - ITAM Account Reactivation
[ENG] ATS Aurora migration
Lusha-Freshsales
[Product]In-app customer address change rules update
[Rollout] Instant offer on web
Automate Arsenal landers on new web
Create Storefront Hero Placement
Introduce backup SMS provider
Purchase decline recovery
Repayment Plans: Support unpaid fees for new loan types (Post-MVP)
Reset applicants who started IDV
Voice OTP
[Eng] Management APIs / Sproc removal (BACS)
Agentic AI Skill - ITAM Auth Reversals
Agentic AI Skill - ITAM Auto-Sweep
Ticket Outcome AI Agent
[Decisioning] Zilch Transfer Enabler
[Fincrime] Expose Risk Profile for a customer to be queried by other internal services
[Fincrime] Zilch Transfer
[Fincrime] Zilch Transfer Enabler
[S&R] Transfer work
Annual Memberships
GoPuff
Transfer (Manual)
Transfer Over Time
Transfers
Zilch pro - free snooze
[Decisioning] Advance Change for New Customers
[Decisioning] Fraud Credit Decisioning Rules
[Decisioning] Limit Builder v2
[Decisioning] New Z-APP Experiment to assign Initial Credit Limit (Score)
[Decisioning] Voice OTP - Targeting High Risk Customers / Avoiding Low Risk Customers
[Fincrime] Add arkoseDevice & deviceTrust ID to all events
[Fincrime] App Check Integration
[Fincrime] Device trust token removals via the Admin Portal
[Fincrime] Failed Wallet Tokenisation Fraud Rules
[Fincrime] phone-call-service
[Fincrime] Self-rescuable blocks via SMS verification
[Issuer] Fraud engine integration into Purchase
[Payments] Card freshness - Display debit card details retrieved from RTAU
[Payments] FX Fees - discovery
[Purchase] Forced purchases
[Purchase] FX fees
Arsenal brand Zilch Card
Automate payment links
Commerce Media Platform (CMP) MVP
Debit Card Linking Optimisations
Debt Sale - facilitate alternate buyer
Decline Purchase Data
Embedded Web View Prototype
FX fees future state
FX fees future state
Gamification/limit building/graduation in early life
Improve debit card linking rules and error states (support the payments team)
Instant offer improvements
Marketing: Session IDs + firebase updates
New billing run design
Offers Hub/ECJ 3.0 Vouchers
Resurrection project automation
Retailer Pages MVP
Smart Settings V2
Smarter/Intelligent Wallet
Support buttons in the app start their Fin procedure directly
Use time-sensitive notifications
VRP for Billing Run payments
Zilch Search Rank: Search Organic Ranking
Zilch.com reskin
[Eng] [Payments] Zilch Advance cleanup / Techdebt
[ENG] CVS: Generic verification preparation
[ENG] EHI MSSQL -> Aurora migration
[ENG] Migrate card payment to new payment flow
[ENG] Modularise onboarding FE code
[Eng] Refunds AP - disovery
[Eng] Roles and Permissions Structure in Admin Portal
[Eng] Transaction History Decomposition
Implement network tokens on Cashflows
Collections BACS Payments AI Agent
DMC Integration - Phase 1 (BACS Payments)
DSAR Automation (Discovery)
Freshsales-Slack
ITAM Goodwill Write-Off Automation
Zilch AI for Everyone
[Eng] Credit Limit domain
UX Overhaul: Global Payments hub (phase 2)
Transfer (Manual)
Transfer Over Time
Transfers
Zilch pro - free snooze
[Issuer] Push provisioning
Additional card linking decline codes
Apple MID mappping
Card Credential Freshness — Suppress False Purchase Block
Enable FX Fees to be dynamic dependent on Membership tier
Enable pay-at-pump purchases (MCC 5542)
Forced purchases (incremental auths)
Payment orchestration
Push Provisioning/Add to Wallet
Refund Matching Optimisations - Phase 1
Smarter Billing run (Phase 1)
[Payments] Card freshness - Display debit card details retrieved from RTAU
[Payments] FX Fees - discovery
[Purchase] Forced purchases
[Purchase] FX fees
Arsenal brand Zilch Card
Automate payment links
Debit Card Linking Optimisations
Decline Purchase Data
FX fees future state
FX fees future state
New billing run design
Offers Hub/ECJ 3.0 Vouchers
Smart Settings V2
Smarter/Intelligent Wallet
VRP for Billing Run payments
Purchase decline recovery
Repayment Plans: Support unpaid fees for new loan types (Post-MVP)
[ENG] Available credit limit rework
[ENG] Create Loan in Loan service
[Eng] Management APIs (Fee refunds)
[ENG] New Credit Products tech foundation
[Eng] OKRs
[Eng] [Payments] Zilch Advance cleanup / Techdebt
[ENG] EHI MSSQL -> Aurora migration
[ENG] Migrate card payment to new payment flow
[Eng] Refunds AP - disovery
[Eng] Transaction History Decomposition
Implement network tokens on Cashflows
[Eng] Management APIs / Sproc removal (BACS)
[Eng] Decouple Rewards from Critical Purchase Path
[Eng] Enable Language Translation
[Eng] Live Activities & Homescreen Widgets
[Eng] Module Federation
Offer Service
Service Clawback
Zilch Pro UX Updates
[Decisioning] Zilch Transfer Enabler
[S&R] Transfer work
Annual Memberships
GoPuff
[Decisioning] Zilch Instant Offer - Show Initial Limit
[Decisioning][Eng] Account improvements - Black Friday
[Product] Phase 1: Securing our BE for FinAI
Spend Ready experience
[Decisioning] Advance Change for New Customers
[Decisioning] Fraud Credit Decisioning Rules
[Decisioning] Limit Builder v2
[Decisioning] New Z-APP Experiment to assign Initial Credit Limit (Score)
[Decisioning] Voice OTP - Targeting High Risk Customers / Avoiding Low Risk Customers
Debt Sale - facilitate alternate buyer
Gamification/limit building/graduation in early life
Improve debit card linking rules and error states (support the payments team)
Instant offer improvements
Marketing: Session IDs + firebase updates
Resurrection project automation
Use time-sensitive notifications
Zilch.com reskin
[Product]In-app customer address change rules update
[Rollout] Instant offer on web
Automate Arsenal landers on new web
Introduce backup SMS provider
Reset applicants who started IDV
Voice OTP
[ENG] ATS Aurora migration
[ENG] RCA automation phase 1
[ENG] CVS: Generic verification preparation
[ENG] Modularise onboarding FE code
[Eng] Roles and Permissions Structure in Admin Portal
Commerce Media Platform (CMP) Prototype
Post Purchase Offers (w/DSP)
Sponsored Search v2: AdMarketplace
Sponsored Search v2: Images
Commerce Media Platform (CMP) MVP
Embedded Web View Prototype
Retailer Pages MVP
Zilch Search Rank: Search Organic Ranking
Create Storefront Hero Placement