tessera
VISION & PRODUCT ROADMAP

From owned assets
to everyday possibility.

One account to unlock liquidity, move money and spend it.
A deliberate path from a working demo to a funded financial product.

THE VISION

Turn owned assets
into usable money.

Tessera brings asset backed credit, stablecoin settlements and everyday spending into one account. Start with Bitcoin. Build reliable money movement. Expand to assets in the physical world.

▦Assets you ownBitcoin → physical assets
↓
↗Liquidity you can useCollateral-backed loans
↓
⇄Money that movesStablecoins · fiat · cards
NORTH-STAR OUTCOME

A verified customer secures a loan, receives spendable funds, makes payments and reclaims their collateral—with every movement of money reconciled.

THE PATH TO GET THERE

Five stages. Clear exit milestones.

Sequence first. Expand when the foundations work.

✓
STAGE 01 · PROVE THE JOURNEY

Make Bitcoin borrowing tangible.

DEMO AVAILABLE

Show the full customer experience before taking custody or lending real money.

  • Real Google sign-in and read-only wallet connections
  • Simulated loan quotes, dollar funding and payments
  • Full payoff, collateral release and demo card spending
EXIT MILESTONEOne complete borrowing journey.

Connect → borrow → receive funds → spend → repay → close the loan.

Demonstrated with fictional funds.
02
STAGE 02 · STABLECOIN SETTLEMENTS

Build the money movement rail.

NEXT TO BUILD

Use USDC as the initial settlement asset, with an account ledger that explains where every dollar went.

  • Testnet USDC deposits, transfers and withdrawals
  • Double-entry ledger, transaction receipts and reconciliation
  • Confirmation tracking, safe retries and duplicate prevention
  • Select fiat conversion and payout partners
EXIT MILESTONEFirst reconciled USDC settlement.

A transfer completes, produces a verifiable receipt and updates both account balances exactly once.

Unlocks: a reliable foundation for loan funding.
03
STAGE 03 · DIGITAL ASSET BACKED LENDING

Run a controlled Bitcoin lending pilot.

PLANNED

Turn the demonstrated journey into a secured, funded loan with a lending partner.

  • Coinbase account integration and BTC / cbBTC collateral pathway
  • Identity, income and borrower eligibility checks
  • Custody arrangements, loan terms and lending capital
  • Reliable collateral pricing, monitoring and liquidation execution
EXIT MILESTONEFirst funded loan, repaid and closed.

Collateral is secured, funds are issued, repayments reconcile and the collateral is released at payoff.

Gate: lending, custody and risk readiness for a limited pilot.
04
STAGE 04 · EVERYDAY SPENDING

Make the loan useful in everyday life.

PLANNED

Bring loan proceeds into the places customers already pay, without losing visibility of the loan.

  • Fiat payouts and bank transfer integrations
  • Virtual card issuance through an issuing partner
  • Spending limits, card freeze and transaction notifications
  • Repayment reminders, customer support and account servicing
EXIT MILESTONEFirst real purchase from loan proceeds.

A pilot customer spends through a connected payment rail, sees the settled transaction and completes a repayment.

Gate: issuer and payout partners, reconciled settlement.
05
STAGE 05 · PHYSICAL WORLD BACKED LENDING

Extend credit beyond digital assets.

DISCOVERY

Start with one concrete collateral category: business equipment. Validate the model before expanding to other assets.

  • Validate borrower demand with a specialist lending partner
  • Verify equipment ownership, condition and independent value
  • Establish collateral arrangements, monitoring and recovery processes
  • Adapt funding, repayment and servicing to the asset lifecycle
EXIT MILESTONEOne equipment-backed pilot loan.

One asset category, one specialist partner and one verified loan journey—from valuation to repayment.

Gate: asset-specific underwriting and collateral enforceability.
HOW WE KNOW IT WORKS

Trust is built into the milestones.

Money reconciles.No unexplained difference between the account ledger and settlement records.

Collateral has a clear lifecycle.Documented lock, monitoring, repayment and release—or recovery.

Customers stay in control.Clear balances, visible costs, understandable payments and account controls.

PLANNING BASIS

This is a proposed, milestone-led roadmap, not a commitment to launch dates. Google sign-in and persistent account data are live. The current Bitcoin wallet uses a sample collateral allocation. Dollars, loans, cards and withdrawals remain simulated. Funded lending and real payments depend on partners, security work and applicable approvals.

Open your account ↗