Digital currency built for payments

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Behind the Currency of the Internet


Shahaf Bar-Geffen


Dr. Nir Haloani


Erol Hallufgil

Research & Software Engineering

Tal Dadia

Research Engineering

Yoni Neeman

Software Engineering

Anton Suslonov

Data Science

Backers and Advisors

Dr. Matt McBrady

Former CIO & MD

Steven Heilbron

Former CEO
Investec Bank UK

Avi Chesed


Sebastian Stupurac

Blockchain Expert

Stas Oskin

Blockchain Expert

Ophir Gertner

Blockchain Expert



Mass adoption of digital currencies in the mobile era

A few years from now, digital currencies will play a central role in our lives, replacing coins, cash, cards and cheques. They will enable us to transact more easily, more cost-effectively and with greater security than ever before.

COTI aspires to bring about this change by reconciling the best of traditional payment systems with the best of digital currencies to become the Currency of the Internet.


Payment systems are not keeping pace with e-commerce

Traditional payment systems like Visa and Mastercard experience numerous shortcomings – from high fees to low approval rates. They also fail to account for the underbanked population, which amounts to 2 billion people around the globe without access to financial services and banks.

On the other end of the spectrum, digital currencies like Bitcoin have faced severe network congestion, giving rise to scalability issues, higher fees and slower settlement times.


A digital currency that is built for payments

At COTI we’ve not only built a digital currency, but an entire digital payment ecosystem. COTI’s DAG-based consensus model, Trust Scoring Engine, Mediation System, currency exchange and decentralised governance are all hallmarks to the functioning of the COTI network.

Our payments network was designed to take over where traditional payment systems left off, namely with instantaneous transfers, low-to-zero fees and cost effective buyer-seller protections. This is a major advantage for consumers and merchants alike as compared to traditional banking, credit cards and P2P platforms.


Distributed ledger technology that outpaces current cryptocurrency standards

In DAG-based systems like COTI, greater network usage leads to improved scalability. This creates a positive correlation between the number of network users and the rate at which transactions are confirmed.

We’ve also created an extra safety net in the form of a Trust Scoring Engine and Mediation System aimed to address trust issues between parties that do not know each other and may never transact again. Users are incentivised with low-to-zero fees, fast confirmation times and high Trust Scores as a reward for their honest, trustworthy conduct.

The protocol features a decentralized system that reaches consensus on disputes using crowdsourced mediators. Just as Bitcoin miners receive Bitcoin for their efforts, COTI’s mediators are rewarded with COTI’s native currency. Disputes are resolved in a fair, fast and cost-effective manner.

Overview Document
Technical Whitepaper


Key documents

The Overview Document provides an end-to-end picture of the COTI project – from its origins and motivation through to its token sale and roadmap.

The Technical Whitepaper provides a technical treatment of COTI’s core technology.


Key milestones on COTI’s journey to improve payments


COTI is the Currency of the Internet – the fastest, easiest, most cost-effective and reliable way to pay