COTI is a payments transaction network supported by a native digital currency. By combining the best of traditional payments with the best of distributed ledger technology, COTI aims to set the standard for how payments should work in the digital currency era. At COTI we’ve not only built a digital currency, but an entire digital payment ecosystem. COTI’s DAG-based consensus model, Trust Scoring Engine, Mediation System, currency exchange and decentralised governance are all hallmarks to the functioning of the COTI network. COTI payments network was designed to take over where traditional payment systems left off, namely with instantaneous transfers, low-to-zero fees and cost effective buyer-seller protections. This is a major advantage for consumers and merchants alike as compared to traditional banking, credit cards and P2P platforms.