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Payments transaction network combining Blockchain technology and traditional payments
ICO is over
It is hard for the existing payments networks to process modern forms of commerce – peer-to-peer transactions, online marketplaces and cross-border e-commerce, that leads to high fees and low approval rates. Cryptocurrency has a high level of trust, but it faces scaling challenges and low rates of adoption.
COTI is trying to combine the advantages of both worlds – cryptocurrency and fiat to offer the fastest, easiest, most cost-effective and most trusted way to pay.
The ecosystem of COTI is based on the Trust Protocol that algorithmically scores the trustworthiness of buyers and sellers based on their behaviours over time. Each party has its personal Trust Score. The higher the Trust Score, the less processing fee is to be paid by the party, though COTI ensures that parties with low Trust Scores have a clear path to achieving higher Trust Scores.
The protocol features a decentralized system that helps come to agreement by using crowdsourced mediators. The same way as Bitcoin miners receive Bitcoins, COTI’s mediators are rewarded with COTI’s native currency. Disputes are resolved in a fair, fast and cost-effective manner.
COTI’s token called C.O.T.I is in the core of the system and fuels the interactions between consumers, merchants and mediators. A base blockchain for COTI is not yet determined. All fees in the COTI network are payable in C.O.T.I and to be applied to all transactions, irrespective of the used currency. Mediator stakes and payouts are always denominated in C.O.T.I.
The team consists of several specialists with previous experience in payments and technology sectors. They also took part in some startups in the past. The company is trying to have more advisors than the team members, that looks a bit suspicious.
The project can add scalability to the current cryptocurrency payment system, lower commission fees, increase throughput of transactions up to 10,000 transactions per second and even higher, and effectively solve disputes via mediators. Anyway the question is still there – whether they will be strong enough to drive merchant adoption and how much time will be required to get to the point of development that starts generating value for the C.O.T.I token? It is still to be considered.
COTI is a payments transaction network supported by a native digital currency. Purpose-built to solve
the payments challenges of today, COTI will set the standard for how payments should work in the digital currency era. By combining the best of blockchain technologies with the best of traditional payments, COTI provides buyers and sellers everywhere with the easiest, most cost-effective and most reliable way to pay.
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