In an age of "everything online", currencies are still outdated. It's more cost-effective to pay in cash than using banks, Alipay, PayPal, or Alipay. COTI is the first fintech platform for enterprises that allows organizations to create their own payment solutions and digitize any currency to save money and time. COTI processes more than 100,000 transactions per second (compared to 25,000 in traditional payment systems, and up to 20 times per second in common blockchain protocols). COTI's user- and merchant-facing tools make it extremely simple to use. COTI is the first ever dispute resolution system that protects users from fraud, errors, and counterparty abuse. COTI eliminates intermediaries and removes the need to mine, which dramatically reduces energy consumption and costs. COTI is developing price stability technology that is essential for widespread adoption of blockchain payments. COTI's technology speeds up transactions, P2P payments and remittances, rather than taking hours.