The world’s first DAG protocol optimized for creating decentralized payment networks and stable coins

Our technology stands to revolutionize crypto adoption by becoming the base layer upon which future decentralized payments solutions are built and stable coins are issued.

Shahaf Bar-Geffen


Ormeus has signed a $1.5 million deal to use COTI’s Trustchain technology. Read more

COTI has started generating revenues from Trustchain-validated transactions!

Read “COTI: The Path to Adoption” by COTI CEO Shahaf Bar-Geffen

According to Zero Hedge, COTI is creating the technology that is necessary for blockchain's sustainability. Read more

Our Trustchain TestNet is live and has been featured on AP news!

COTI is thrilled to be one of the founders of SPA (Scalable Protocol Alliance)! Read more

What did COTI achieve in 2018? Read COTI 2018 in review

COTI is featuring in Forbes

Yahoo! Finance reports that COTI’s Trustchain is the first viable solution of its kind. Read more

Hackernoon breaks down everything related to trust in crypto technologies and how COTI fits into the picture.

Be sure to join COTI on Discord

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As Seen On

COTI provides an end-to-end white label solution designed for use by:


Enterprises can explore new business models by offering payment networks to customers and absorbing market share from Visa, Mastercard and PayPal.

Decentralized payment networks

COTI provides a protocol optimized towards decentralized payment networks so companies can focus on key business aspects instead of infrastructure.

Stable coins

COTI supplies the infrastructure and needed features tailored for stable coins, including scalability, high speed and near zero fees.


COTI is the ideal solution for developers who require a high throughput protocol with DAG benefits.


Governments that adapt blockchain technology typically integrate stable coins into their efforts. COTI provides the required infrastructure needed for governments to provide stability and usability in their networks.


COTI addresses and takes into account a number of the key pain points that merchants and buyers alike have on a daily basis. COTI actually shifts the paradigm in a way that digital currencies now represent the future


Avi Chesed


COTI’s platform

COTI’s platform combines layers of infrastructure, services and applications to support payment applications, stable coins and enterprise solutions

At the core of COTI’s infrastructure lies the Trustchain, a proprietary consensus algorithm based on machine learning, which dramatically decreases transaction costs and increases processing speed by assigning trust scores to transactions and clustering it in chains.

The Trustchain lies on a multi-DAG (directed acyclic graph) data structure, which works in tandem to drive up scalability, processing over tens of thousands of transactions per second (TPS). DAG is the most suitable infrastructure for payments due to its scalability and low transaction costs.

Our technology stands to revolutionize crypto adoption by becoming the base layer upon which future decentralized solutions are built.


COTI’s DAG-based protocol combines infrastructure, services and application layers to create a holistic payments solution which is modular and fully customizable.


Dr. Nir Haloani


Trustchain key innovations

Proof of Trust (PoT)

The COTI PoT hashing algorithm consists of multiple hashing algorithms operating in chain fashion with the ordering dependent on the last 16 bytes of the hash of the previous block.

Trust Score consensus

COTI has developed a new approach to achieving consensus between transacting parties operating on a DAG-based data structure by using Trust Scores. The Cluster achieves scalability through its use of parallel source selection and transaction confirmations, as well as its use of COTI Trust Scores.

Arbitration Service

COTI offers a ready to use buyer-seller protection service. Users can chargeback a transaction in cases of fraud or any other dispute related to deals settled through the COTI payment system.

Double Spend Prevention (DSP) Nodes

Transactions require the signature of a Double Spend Prevention (DSP) Node before they can be considered fully confirmed, while any detected double-spending attempts are flagged and refused.

COTI's blockless data structure is based on a directed acyclic graph (DAG).

Innovating from blockchain technology, this improved protocol is highly scalable and centered around trust

Introducing the Trustchain Consensus Protocol

COTI’s unique consensus mechanism that utilises user Trust Scores to confirm transactions

COTI’s pragmatic approach to achieving scalability in a decentralized architecture without compromising security

As opposed to PoW, PoS and dPoS, COTI’s DAG-based distributed ledger is best suited for performance apps and extreme scalability.


COTI-X is a currency exchange and gateway to the COTI network. It serves as an enabler of cross-currency support in fiat and cryptocurrencies while providing security, liquidity and price stability for tokens on the network.

Buyer-seller protections

COTI has developed a new approach to achieving consensus between transacting parties operating on a DAG-based data structure by using Trust Scores. The Cluster achieves scalability through its use of parallel source selection and transaction confirmations, as well as its use of COTI Trust Scores.

COTI Pay is the first internally developed application on the COTI platform to utilize a fiat-pegged stablecoin, the COTI-DIME. It targets both e-commerce and POS payments and is equipped to initially process tens of thousands of TPS with virtually no price volatility.
COTI Pay also provides fully customized white label wallets for consumers and merchants.

COTI Pay cuts out the middlemen, without the downfalls of Cryptocurrencies



Traditional payment systems cost consumers billions of dollars every year

  • High fees that can go all to way to 15% for merchants, leading to higher product costs for consumers
  • Declined transactions drive down merchant profits
  • Decreased merchant cash flow due to long settlement periods
  • Complicated multi-currency support, high spreads and exchange rates
  • Over two billion people around the world remain unbanked

Why have digital currencies failed as a payment means?

  • Scalability challenges
  • Volatile prices
  • Lack of buyer-seller protections
  • Complicated user experience
  • Absence of regulation

COTI represents the next generation of digital currencies. This is a currency and a payment platform that is simple, transparent, trustworthy, instant and scalable. Using COTI is as easy as using a credit card, easy to accept and tracked. COTI represents the next generation of digital currencies. It brings the current standards of the financial services industry into the digital sphere.


Steven Heilbron

Former CEO, Investec Bank UK

Consumers will enjoy:

  • Cash back
  • Near-zero fees
  • Buyer-seller protections
  • User-friendly interface
  • Seamless integration into e-commerce sites and debit cards

Merchants will benefit from:

  • Near zero fees
  • Instant settlements
  • Improved cash flow
  • Low rolling reserve requirements
  • Regulated payment ecosystem

Join COTI Pay as a merchant

Join COTI Pay as a user

Join COTI Pay as an arbitrator


Team experience

The COTI team is comprised of individuals with proven experience in the payments, cryptography and financial services industries. The core team is supported by internationally recognised advisors including experts in asset management, banking, marketing and blockchain.

COTI’s team members have been hand-picked from leading companies, such as IBM, Ripple, Blackrock, HSBC, Investec Bank UK and Plus500 amongst many others.

Meet the team

Shahaf Bar-Geffen


Serial entrepreneur

Dr. Nir Haloani


IBM (Former head of research), Owner of 14 patents

David Assaraf

Co-founder, COO

Former HSBC internal auditor, Financial specialist

Eli Hallufgil

Technology team leader


Yoni Neeman

Software Engineering

Expert in FinTech applications

Anton Suslonov

Data scientist

Expert in blockchain technology and applied mathematics

Yair Lavi


Former finance director at Plus500 UK, Financial specialist

Guy Klajman


Qualified in triple digit growth

Efrat Bar-Lev

VP marketing

Marketing pro


Dr. Matt McBrady

Former CIO, BlackRock

Steven Heilbron

Former CEO
Investec Bank UK

Gregg Kidd

Former CRO
Ripple Labs

Ran Neu-Ner

Founder, Onchain Capital

Stas Oskin

WINGS Foundation co-founder

Prof. Martin Fochmann

Professor, University of Cologne

Nimrod Lehavi

Co-founder and CEO, Simplex

Lindsey Maule

CEO, Luna Capital

Dr. Zvi Gabay

Partner, Barnea & Co.



COTI is proud to serve leading enterprises and projects and to work closely with industry leaders.


Discover the Currency of the Internet

COTI - Currency of the Internet

Apr 9, 2018

COTI’s Trustchain AlphaNet protocol launch on CNBC

Apr 1, 2018

COTI – The best of traditional payments and digital currencies

Dec 17, 2017


We believe that decentralization is the future and that the Trustchain is the next generation blockchain 3.0 solution, which will bring the world one step closer to achieving mass adoption of cryptocurrencies.

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