In an era of “everything digital” currencies remain outdated.
Currently, it’s cheaper to pay in cash than to use banks, PayPal, Alipay and the like.
COTI is the first enterprise-grade fintech platform that empowers organizations to build their own payment solution and digitize any currency to save time and money
Blockchain isn’t yet a solution
Instability, complexity and lack of scalability keeps it from the masses.
There is a strong need for a robust payment system that is as seamless and scalable as traditional payments, while being as
cost-effective and secure as blockchain
COTI provides the 7 necessary elements for a perfect payment infrastructure:
Scalability
COTI can process over 100,000 TPS, compared to 25,000 TPS in traditional payment systems and up to 20 TPS in common blockchain protocols.
Simplicity
COTI’s user and merchant-facing tools are seamless and extremely easy to use.
Buyer-seller protections
COTI provides the first ever dispute resolution system to safeguard users against errors, fraud and counterparty abuse.
Cost-effectiveness
COTI cuts out intermediaries and eliminates the need for costly mining, which drastically reduces costs and energy consumption.
Price stability
COTI is creating price stability technology, which is necessary for the mass adoption of blockchain for payments.
Instantaneity
COTI’s technology makes transactions, P2P payments and remittances instant, instead of taking hours or days to clear.
Security
COTI’s distributed ledger technology eliminates a single point of failure for enhanced security.
Trustchain
At the core of COTI’s infrastructure lies the Trustchain, a proprietary consensus algorithm based on machine learning.
The Trustchain lies on a multi-DAG (directed acyclic graph) data structure, which works in tandem to drive up scalability, processing over 100,000 transactions per second (TPS).
DAG is the most suitable infrastructure for payments due to its scalability and low transaction costs.
Seamless Digital Payment Solutions for Today’s Enterprises
COTI’s platform enables companies to effortlessly create advanced fintech
products and save time, data, and money
COTI Pay
COTI Pay can process all payment types, both online and offline, including crypto and stable coins, credit cards and even a merchant’s native coin. It also has built-in financing with interest earned on deposits and business loans.
White label payment network
Traditional payment systems cost consumers and merchants billions of dollars every year. Imagine a global payment network of users and merchants transacting freely with your own payment method, digital wallet, coin and more.
Stable coins
COTI is the world’s first platform optimized for creating price-stable coins.
By issuing your own branded stable coin, you will regain full control over your money and data.
Loyalty Networks
COTI developed an end-to-end solution for building blockchain-based loyalty networks to increase profits and customer retention. Users will be rewarded with loyalty tokens added to their wallets, while businesses can create new revenue streams.
Remittance Technology
COTI developed a revolutionary remittance solution for the cross-border payments industry to make it more secure, efficient and low cost.