> For the complete documentation index, see [llms.txt](https://docs.rwa.vip/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.rwa.vip/vi.-rwa-ecosystem-ecosystem-construction-plan/ecological-development-rules.md).

# Ecological Development Rules

## Stage 1: Infrastructure Development (0-6 months)

{% stepper %}
{% step %} <mark style="color:blue;">**On-chain Banking Protocol**</mark>

Launch decentralized deposit, lending, and custodial functions.
{% endstep %}

{% step %} <mark style="color:blue;">**RWA Tokenization Protocol**</mark>

Release standardized tools for RWA asset tokenization, supporting the on-chain digitization of real estate and receivables.
{% endstep %}

{% step %} <mark style="color:blue;">**Payment Gateway Integration**</mark>

Launch payment channels and gateway APIs (such as Visa, MasterCard) to enable the connection between on-chain funds and real-world payments.
{% endstep %}
{% endstepper %}

## Stage 2: Feature Integration and Product Innovation (6-12 months)

{% stepper %}
{% step %} <mark style="color:blue;">**Launch of Wealth Management Protocol**</mark>

Provide stable and high-risk, high-return investment portfolios to meet users' diversified investment needs.
{% endstep %}

{% step %} <mark style="color:blue;">**Cross-chain Payments and DEX 2.0**</mark>

Enable multi-chain cross-chain transactions and payments, seamlessly integrating with mainstream DeFi and the RWA ecosystem.
{% endstep %}

{% step %} <mark style="color:blue;">**Treasury Value-Added Program**</mark>

Build the protocol's own liquidity management strategy to optimize yield and liquidity of the fund pool.
{% endstep %}
{% endstepper %}

## Stage 3: Global Expansion and Ecosystem Governance (12-24 months)

{% stepper %}
{% step %} <mark style="color:blue;">**DAO Governance Mechanism**</mark>

Enables decentralized governance where community members vote on fund allocation and strategy adjustments.
{% endstep %}

{% step %} <mark style="color:blue;">**Global Expansion**</mark>

Collaborates with RWA partners worldwide to tokenize assets across multiple regions.
{% endstep %}

{% step %} <mark style="color:blue;">**Cross-Border Payments and Multi-Currency Gateway**</mark>

Supports multi-currency payments, forex exchange, and global usability through Visa, MasterCard, and PayPal, allowing seamless use of on-chain assets globally.
{% endstep %}
{% endstepper %}