# Masterplan

* [x] Use Stablecoin Visa cards to keep gaining distribution 
* [ ] Build an internet neobank that is 10x better than regional banks in emerging markets by providing local card BIN's, better  & smarter realtime credit lines
* [ ] Make Avici the default payroll account and primary home of finances and a safe place to store wealth with privacy
* [ ] Launch an independent trust score to replace FICO’s bank-biased model.
* [ ] Deliver mortgages, personal and business loans, and major credit lines directly from onchain investor pools to users with high trust score
* [ ] Reduce dependence on central bank interest rates, thus Fiat's role. 
* [ ] Kickstart a world reserve stablecoin governed by Futarchy, realizing Ray Dalio’s prediction but with an internet currency controlled by people, not the Yuan or BRICS

Avici’s masterplan is what motivates us to build. Its idealistic and mission driven. The world might not always reward this, and we may not be able to execute everything. This should not be treated as a strict roadmap. Some problems may no longer need solving after a few years, or we may need to focus on something else instead.

Avici should stay adaptive and execute in a way that reduces the influence of central banks.

Worst case → a self custodial neobank with a Visa spend card generating solid interchange revenue 

Best case → a DAO that helped reduce fiat’s role.

> Sources
>
> * [ Decentralized interest rates](https://x.com/balajis/status/1865896672334860754)
> * [Changing World Order by Ray Dalio](https://www.youtube.com/watch?v=xguam0TKMw8)