Roadmap

Cypher Lending for Bitcoin and Beyond

Templar is the first Cypher Lending protocol enabling users to borrow against Bitcoin without relying on centralized intermediaries. Templar is redefining Bitcoin utility through a trust-minimized, privacy-first, and chain-agnostic lending platform. The roadmap below outlines our path to realizing our vision at scale.

Laying the Foundation

In Q2 2025, Templar’s journey began with a new website and deployment on Testnet. Our gated Mainnet Beta launched at BTC 2025 in May.

Chain Support:

• Bitcoin (BTC)

• Ethereum (ETH + ERC20)

• NEAR assets

Product Milestones:

• Launch of open Templar Testnet & gated Beta Mainnet.

• Frontend V1 released

• Completion of audits in preparation for Mainnet launch.

Privacy Features:

• No Personal information collection

• UX groundwork for future privacy tooling

Ecosystem:

• Early fund and wallet partners onboarded

• Early TVL commitments secured

Full Mainnet Release

With the public Mainnet release planned for Q3 2025, Templar expands chain support, enhances wallet compatibility, and will publish complete protocol documentation. This quarter is about expanding accessibility.

Chain Support:

• ZCash (ZEC)

• Stellar (XLM)

• Solana (SOL + SPL)

• Cardano (ADA)

Product Milestones:

• Support for flexible market parameters: rate curves, loan durations, origination fees, etc.

• Additional wallet integrations: Compatibility with the leading wallets for BTC, ETH, SOL, and NEAR.

• Complete public documentation

Privacy Features:

• Launch private lending support via ZCash (ZEC)

More Chains, Vaults, Chain Abstraction & Privacy

Templar expands to many more blockchains, adds support for custom DeFi vault strategies with curators and abstracts lending across chains. With wallet-less onboarding and more privacy primitives, users gain greater control over how and where they borrow. 

Chain Support:

• XRP

• SUI

• Litecoin (LTC)

• Arbitrum (ARB)

• BASE

• Dogecoin (DOGE)

Product Milestones:

• Launch of curated vaults (inspired by Metamorpho)

• Sponsored gas transactions for seamless onboarding

• Templar JS SDK for streamlined developer integrations to other Dapps

• Partial liquidations supported for better UX 

• Chain abstracted markets (borrow stables on any chain)

Privacy Features:

• Wallet-less usage (opt-out of address reuse)

• Differential privacy to obfuscate liquidation triggers

Scaling Templar

In 2026, Templar will solidify its leadership in Bitcoin DeFi, scaling rapidly to power the growing onchain economy. The protocol will expand across new networks, integrate with DeFi yield primitives, and introduce advanced privacy architecture. These features will allow Templar to be the DeFi Lending Backend powering loans for any asset on any chain as the global financial system moves onchain.

Chain Support:

• Binance Smart Chain (BNB)

• Polkadot (DOT)

• Hyperliquid (HYPE)

• Tron (TRX)

• Telegram Chain (TON)

• Stacks (STX)

• Polygon (POL)

• Berachain (BERA)

• Avalanche (AVAX)

• Aptos (APT)

• MegaETH, Monad (pending mainnet)

• Additional Bitcoin & Ethereum L2s

Product Milestones:

• Adapters to integrate external lending protocols

• Fixed interest rate loan support - catering to traditional finance norms.

• Yield Token and Positional Token integration

• Enable yield accrual on collateral

Privacy Features:

• Shielded Assets via ZCash technology

• Onchain Cash Markets

• Zero-Knowledge Smart Contracts

Ecosystem:

• Partnering with institutional custody providers, miners, and liquidity desks

• Public API for integrations

Cypher Lending for any asset on any chain

At scale, Templar allows anyone to borrow against any asset on any chain while preserving censorship resistance, security, and privacy. Through multi-party computation (MPC), we eliminate centralized custodians, while our chain-agnostic design enables seamless liquidity without bridges or wrapped assets. Modular vaults serve diverse lending needs, and our open-source, audited, immutable contracts maximize user trust. Privacy is fundamental—from wallet-less usage to shielded asset integration—embodying the cypherpunk ethos. Templar isn’t just about borrowing Bitcoin; it’s about giving users full financial sovereignty across assets and chains.

The future of DeFi is here. Join the Cypher Lending Revolution.

Follow our journey on X at @TemplarProtocol