The blockchain protocol behind COTI is aiming to optimise decentralised payments and its platform allows for companies, payment DApps, governments, merchants and issuers and stablecoin founders to easily create advanced digital products and payment solutions of their own, including the digitalisation of any currency in order to enable global inclusion in finance. Online payments as well as offline payments including crypto, stablecoins, credit cards and native coins can be processed by COTI pay. COTI is based on a DAG structure and utilises a Proof of Trust (Trustchain) consensus algorithm. COTI coins can be used for payments, application fees, network fees and token staking.