# Product Roadmap

- [V0 – Core Architecture \[Finished\]](/pencilfinancedocs/product-roadmap/v0-core-architecture-finished.md)
- [V1 – Protocol Optimization \[In Progress\]](/pencilfinancedocs/product-roadmap/v1-protocol-optimization-in-progress.md)
- [V2 – Aggregated loan pools](/pencilfinancedocs/product-roadmap/v2-aggregated-loan-pools.md)
- [V3 - Governance Integration](/pencilfinancedocs/product-roadmap/v3-governance-integration.md)
- [V4 – Neo-Banking for Student Financing](/pencilfinancedocs/product-roadmap/v4-neo-banking-for-student-financing.md)
