The Dash Retail Roadmap

Dash Retail is a DAO treasury proposal to build software that enables Dash merchants to buy, sell and accept Dash in one integrated system, and to instantly hedge against volatility. The team is Ash Francis, Alex Cox (both of eWallet fame) and myself. Here is our roadmap.

Cycle 1


  • Paga con Dash POS (SparkPOS Clone) as Dash Retail pre-alpha at
  • Dash Rates* golang rebuild for improved reliability


  • Dash Rates full end-point set-up with multiple exchanges and associated messaging (ready for Core)
  • Dash Retail full mockups
  • Dash Retail full user flow diagrams (ready for your feedback within ~2 weeks before going public)
  • Cointigo Integration into Paga con Dash POS
  • Dash Latam tracker (Google analytics from POS + hablador addresses + manual + POS uptime)


  • Dash Retail fully fleshed designs (tablet + ┬ámobile)
  • Dash Retail front-end POS (replaces Paga con Dash)
  • Binance Integration
  • Remittance Database

Cycle 2


  • Merchant Dashboard Front-end Demo (registration/management/dashboard/exchange)


  • Agent back-end
  • Merchant back-end demo
  • Remittance flow demo
  • Translations


  • Client, Merchant & Agent systems tied together, full system ready for Colombian launch
  • Full Statistics & Reporting Site (similar to anypay charts but for all our information regarding transactions, merchants, remittances, etc.)

Cycle 3

  • Colombian pilot
  • Feedback, fixes, next steps

Cycle 4

  • Full rollout
  • Look at other markets

*More on Dash Rates

The DashRatesAPI was created by Kodaxx, also the creator of SparkPOS on which the DashRetail/PagaConDashPOS is based, likely because I was pushing the idea that we needed pricing parity across the ecosystem. This was foundational for Core’s pricing parity deliverable as the DashRatesAPI server is in use in the wallets. Kodaxx deserves major kudos for his work.

But is not seeing the uptime needed and the original DashRatesAPI software has room for optimization both in terms of speed and exchange rate sources. So Alex grabbed the original code, rewrote it in Golang for a 7x speed improvement, and is adding new sources. Once we are convinced it is bulletproof, our new DashRatesAPI server will become the reference pricing source and guarantor of pricing parity across the ecosystem when it is adopted by Dash Core Group and other key players in the Dash ecosystem such as wallet developers and POS software makers.


We Need a Dash Status Page

Things don’t work quite right and Core team may be satisfied they fixed it but the rest of us do not always get the message. This is a communication issue, relatively easy to solve.

For example, there is a bug in the previous version of the Android wallet where the payment does not exit the wallet and shows “this payment has not yet been transmitted.” Normally, this error message means the user does not have adequate internet access. But not in this case.

God bless Dash Core team but I’m still not even sure what caused this issue as it does not precisely line up with the issues resolved for release 6.4.0. (Updating to 6.4.0 does fix it tho.) So in order to understand I have to engage in a back and forth in discord. While fun, this is not time-efficient for anyone.

The suggestion: Let us know everything going on with the software and put it in layman’s terms so everyone can understand how to recognize issues, how to solve them, how to workaround in between releases, all of that. Empower the ecosystem to speak for you when things are not going so great and don’t leave us deaf, dumb and mute when difficulty strikes.

Dash is no longer an academic research project in an ivory tower. We have real people out here. We need to improve communication so we can maintain the ones we have and get more. Transaction counts and demand do not magically increase over time all on their own. Dash is high tech but at the end of the day everything is about the human connection.


We Need a Dash Stablecoin

Dash is pure genius, it is a hybrid evolution of proof of work, it is investment, it is governance, it is InstantSend and ChainLocks for 51%-attack-proofness, it is username-based payments done right on the blockchain, it is pioneering ground teams with real merchants, it is business development and more.

But Dash continues to be volatile. So volatile it scares regular merchants, consumers, remittance recipients, etc. Volatility gets in the way of us reaching a large part of our target market. Volatility pisses people off. Volatility leads regular people to ask, why they hell did you not just make a digital payments system that uses stable fiat currency … you weirdos??

We know why. But getting your average merchant to understand — to truly get it — requires more time than they are willing to give us in just one sitting.

Enter stablecoins. Volatility solved. Best of both worlds. Dash investment unit. Dash stable/spending unit. Genius squared.

But using stablecoins right now is not possible in the Dash mobile wallets. Even in Coinomi and Edge it can be complex, expensive and unpredictable.

A Dash stablecoin is not just something we need. It is a market opportunity that can accelerate us toward our goal of mass adoption, the kind of adoption that is going to generate the demand and transaction level required to push the Dash price up.

Options include:

  • Dash stable asset that runs on the Dash blockchain (hard and expensive but maximum utility)
  • DAI-like device that locks and releases Dash (less difficult, still a lot of utility)
  • USDT-like token backed by bank deposits (ugly, problematic and hackish but fast)
  • TUSD, USDC, DAI or other stablecoin controlled by someone else (quick and dirty)


  1. someone else’s stablecoin in the wallet
  2. partner with DAI
  3. eventually have our own DAI-similar asset

We need a technical team to start work on this today.


How to Recognize a Real Adoption Project?

Somebody asked me on Reddit the other day how you recognize a real adoption project. Here are some initial ideas to start a conversation.

  • Media: It should produce tons and tons of media — photos, videos, screenshots — that demonstrate real Dash usage, showing the merchant + the product + the buyer + the full payment process. Video of people talking on stages is not enough. Real transactions on film! Real merchants in photos! Real screenshots of real transactions!
  • Growth: It should be growing in 3 key metrics month over month at an average of 10% or more (at least in the early stages): new merchants, active Android wallet installs, transactions. Thanks to Dash Retail we can now enable any team to count their transactions transparently and with Dash Watch having direct, un-intermediated access. All of this has to evidenced of course!
  • Low Cost: Dash Colombia has established the “loop” metric. A loop is number of active Android wallet installs divided by active merchants. Note these metrics are active. They are not “we did it one time and said see you later”. These are enduring. Dash Colombia has established a loop size of 3.76, that means we have 3.76 active wallet installs per each active merchant. The 1-time cost of creating each enduring and active loop? USD$167. If it costs much more than that, gotta give it a close inspection. Colombia’s loop, for example, has 56.9% more consumers than Venezuela’s and is 73.4% cheaper when we standardize for loop size.

These are the 3 key metrics: prolific media production of real use, double-digit growth month over month and low cost. Did I miss something? Did I get it all wrong? Let me know.


What is the Digital Cash Vision?

The most basic and original idea behind bitcoin and other cryptocurrencies is that we can use these cryptographically-protected account balances protected by hash-making machines as digital cash. That is, as cash that you can’t touch. But otherwise, you can use it just like cash. This implies:

  • wide use
  • free use (as in speech, not necessarily beer)
  • meaningful privacy, or at least difficult-traceability of transactions related to people
  • ability to hold without anybody knowing your balance (mattress-style)

These correspond, respectively, to merchant adoption, censorship-resistance, pseudonymity if not anonymity, and privacy.

We collectively blew right through our first 10 years of crypto, a not-to-be-repeated window of near-complete freedom where bureaucrats everywhere asked each other, what the hell is that? and opted to ignore us.

We are in now in the age where governments and large institutions are wising up.

This means we need to wise up and get to work if we want to realize the digital cash vision. If you count yourself among this increasingly dying breed, in the midst of blockchain-mania, “private blockchains”, fedcoins and endless griping about energy usage, then we need to work together before, like gunpowder in 2nd century China, this technology and this dream become forgotten.

That’s what this blog is about.

This blog is going to tell things as they are because we can not wise up and get to work if we do not have correct information or if we are tip-toeing around everyone’s delicate feelings all the time. This blog is an abattoir for sacred cows, a killing field for unspoken agreements to keep secret our own failings, a chopping block for stupid ideas, bad practices and other acts of incompetence and negligence.

Let’s do without ad hominem, but it has to be done, no matter the cost, because the future of human liberty and prosperity depends on our ability to realize the digital cash vision, which is, after all, a first and critical step towards global market anarchism.