COTI (COTI) is a fintech platform that aims to empower organizations to create their own payment solutions and digitize any form of currency. It is among the initial blockchain protocols optimized for decentralized payments, designed for use by merchants, governments, payment DApps, and stablecoin issuers. COTI Pay, the first application, is a finance platform on the blockchain. The COTI ecosystem strives to address challenges associated with traditional finance, such as latency, fees, global inclusion, and risks, through a DAG-based protocol and infrastructure that is scalable, private and inclusive.

COTI operates on a DAG-based protocol and a Trustchain algorithm, which forms the basis of its infrastructure. Above this layer lies the services layer, Coti X, which offers KYC and compliance, interoperability exchange, buyer-seller protections, and stability frameworks. COTI uses a hash table as its data structure based on chaining, which supports the computing and privacy of customers. The COTI wallet, based on the React Native Framework, provides cross-platform functionality and portability. It requires user credentials and is paired with 2FA login to establish a connection with the node manager, ensuring all communication requires the wallet’s seed, validating all messages and preventing spoofing or manipulation.

COTI's platform aims to enable companies to create advanced fintech products and potentially save time, data, and resources. It can process every kind of payment type, both online and offline, including crypto and stablecoins, credit cards, and even native coins. It also aims to provide built-in financing, with potential compensation from deposits and loans. COTI is also optimized for the creation of stable price coins, allowing users to issue their own stable coin and regain full control over their assets and data. This makes it a potential tool for businesses, governments, and individuals looking for a versatile, decentralized payment solution.

The COTI Group was launched in March of 2017, with the Staking Platform launching on January 1, 2020. The platform aims to be an enterprise-grade fintech platform that strives to empower organizations to build their own payment solutions and digitize any currency. Over time, COTI has developed an ecosystem that provides robust cybersecurity measures around data integrity and confidentiality. It has also introduced a unique platform that enables companies to create advanced fintech products, thereby potentially saving time, data, and resources.