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Colend, a decentralized Bitcoin finance protocol built on the Core network has just released its roadmap for 2025 according to an official announcement today.
The latest roadmap discloses the platform’s plans to introduce a series of new features aimed at enhancing user experience, expanding functionality, and reinforcing its position within the Bitcoin Finance (BTCFi) sector.
Renowned for offering competitive yield opportunities without exposure to impermanent loss or untraceable transactions within a CeDeFi framework, Colend has gained notable recognition. It boasts over $150 million in Total Value Locked (TVL).
While the new roadmap will see new functionalities introduced to the platform, Colend plans to run each feature through comprehensive audits to ensure that the highest security and reliability standards are maintained.
 
The 2025 roadmap introduces some key features, including a new subscription model, advanced BTCFi tools, an NFT upgrade, Oracle inception, and a crypto credit card.
The new subscription model introduces a monthly subscription plan that integrates monthly recurring revenue (MRR) into DeFi. The subscription model features differently from traditional subscriptions like Netflix as it includes an additional feature which offers the potential for increased returns on deposits.
This feature allows users who subscribe monthly with CLND tokens to receive bonus rewards in the same asset they deposit, offering potential benefits while encouraging long-term engagement.
Furthermore, the roadmap will see Colend develop tools to simplify and optimize DeFi operations. These tools include LOOP Strategies, Smart DCA, and Market Arbitrage. These tools will consist of advanced features such as flash loans, AI agents, and modular integrations.
In addition, its NFT collection will undergo a free remint, aligning with the latest marketplace standards. This upgrade introduces new utilities for NFT holders, including exclusive perks and broader marketplace compatibility.
In a bid to improve their Total Value Secured (TVS) and contribute more effectively to the protocol’s safety, Colend’s oracle system will receive a major upgrade. This will empower the community to vote on the hierarchy of oracles without compromising security.
Additionally, oracles will now be able to offer targeted incentives to voters who support them, shaping a governance model driven by strategic alignments rather than mere participation.
Colend Sets to Launch Crypto Credit Card
According to the announcement, the project plans to introduce “the world’s first true crypto credit card.”
Notably, Colend’s crypto credit card will feature differently from all existing “crypto cards” which have been debit-based, requiring users to bridge assets and pre-load funds.
With the Colend credit card, users will be able to access credit lines against their crypto holdings without selling them, thanks to the integration of custodial and non-custodial wallets, card issuers, and smart contracts architecture.
While the card is available on digital platforms (iOS/Android) and physically, it is expected to include competitive rates and cashback rewards.
Notably, the upgrade will allow Colend’s governance system to operate under a v(3,3) model, which introduces a dynamic and incentivized approach to liquidity mining.
This system allows CLND token holders to vote to allocate liquidity mining rewards toward specific assets, promoting increased borrowing activity and higher APYs on those assets. In return for their votes, liquidity providers may offer incentives to encourage support for certain pools.
Source: https://zycrypto.com/colend-announces-2025-roadmap-plans-to-launch-its-first-crypto-credit-card/