> For the complete documentation index, see [llms.txt](https://pencil-finance.gitbook.io/pencilfinancedocs/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://pencil-finance.gitbook.io/pencilfinancedocs/product-roadmap/v1-protocol-optimization-in-progress.md).

# V1 – Protocol Optimization \[In Progress]

* **Dynamic NAV calculation** for real-time value updates
* **KYB onboarding** for institutional lending partners
* **KYC process** for investors (optional or jurisdictional)
* Structured **interest rate modeling** for lenders
* Full implementation of **write-down and write-off logic** for defaults
* Completion and release of **smart contract audit**
* Launch of a **mobile-responsive investor dashboard**
* Optimized repayment and capital allocation mechanisms


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