Described as "the currency of the internet," COTI is a Fintech platform enabling businesses, governments, and other organizations to issue their own coins. Using the Directed Acyclic Graph (DAG) protocol, COTI is able to process fast, secure, and low-cost payments.COTI is operated by a team of experts from the banking and fintech industries. The team includes engineers, mathematicians, and researchers. They are joined by veterans from the banking and fintech industries.COTI uses a proof of trust consensus to create a decentralized payment network. The Proof of Trust consensus uses the Trustchain algorithm to reward users with faster confirmation time and a lower transaction cost. The Trust score is calculated based on how often a user interacts with the network and the number of successful transactions. The higher the trust score, the lower the transaction fees.