COTI: Enhancing The Scalability of Cryptocurrency


The key to the pleasure level of any transaction is the balance between the pain of the payment and the reward of the purchased object – Jeffrey Kluger

With payments, the innovation moves pretty fast.  We have machine learning technology backed by human experts that not only detects and blocks fraud but also allows transactions to proceed that appear fraudulent but are not. It is continue be rapid, disruptive, and largely driven by technology influences, such as mobile devices, big data, the cloud and Internet of Things (IoT).

Mobile payment technology and the rise of the digital wallet are changing the culture of commerce. And now virtual currencies like Bitcoin or Ethereum, allows you to make payments without the need to swipe or input a credit card information.

The technology has moved forwards rapidly, offering consumers a more convenient and streamlined payment experience. Merchants can now decide the hardware and software configurations that affect how they accept payments and managing  data security and fraud protection.

However, the evolution of payment technology has drawbacks that we can not ignore. These include: Transaction Speed, Fees, Security, Trust and Privacy. Traditional payment methods can be slow, inefficient, and expensive. Currently, most national banking infrastructure can’t handle cross-border payments, resulting in whether a business can reasonably pay someone in another country, often with a different currency and banking system, in a fair and expedient manner. More importantly, these traditional payment methods are more susceptible to fraudulent activity.

Cryptocurrency, a digital asset designed to work as a medium of exchange that uses cryptography to secure its transactions, solves those problems. By utilising blockchain technology, cryptocurrency will enable us to transact more easily, more cost-effectively and with greater security than ever before. It has the ability to replace cash, cards and even  cheques.

But again, this technology also has its own disadvantages, especially when dealing with scalability. While more secure, cryptocyrrency like Bitcoin or Ethereum fees can be expensive for consumers. Added to the expense is the lack of interface between processing systems. It may be difficult for a cryptocurrency to link with other digital currency or cross-blockchain, resulting in processing and payment delays, lost transactions, and expensive fees.

Payment solution like COTI is comprised of the blockchain technology, software, and related services that allow merchants and businesses to accept virtual currencies, as well as other currencies, and do so both in-store and online. COTI provides options that can enhance and streamline business operations.

COTI is a payment transaction network supported by a native digital currency that can process tens-of-thousands of transactions per second. With zero fees for buyers, low-to-zero fees for sellers, and full buyer protection, COTI combines the best of traditional payment methods with the best of digital currencies.


COTI technology will build and maintain a secure network and payment system by protecting consumers using decentralized mediation system that provides buyer-seller protections in the event of billing errors, unauthorized charges, or undelivered goods or services. This addresses trust issues and minimizes delays, while preserving online transaction integrity.

The platform will maintain a standard in quality and integrity in this dynamic industry by implementing it’s own blockhain technology and provide an impenetrable system that prevents interruption of network services and protects merchants and consumers critical data (privacy).

Unlike other platform, all of these features are included at low to zero cost. COTI aims to create an open & transparent system with wide range of currency option,  by providing network participants with a mechanism for paying or receiving funds in whichever currencies they choose.

Learn more about this game-changing innovation at


COTI is more than just a payment solution. It will change the way we live and pay.




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