COTI is a FinTech company that has developed a base protocol, known as the Trust chain™, which aims to address technical challenges plaguing other existing crypto currencies and limiting their mass adoption as means of payment. It includes consumer wallets, merchant processing tools and a digital currency exchange facility. The consumer-merchants payments industry is estimated to be a two trillion USD market however, it has been monopolised by Visa and MasterCard for the past 40 years. Nowadays, each transaction goes through 6-8 middlemen, each collecting a fee and potentially being a point of failure. COTI aims to address such shortcomings by combining the best of traditional payment methods with the best of traditional currencies. COTI network users can expect low-to-zero fees, full buyer-seller protections, a robust Trust Scoring Engine and decentralised Mediation System. COTI's team includes top management and R&D talent, veterans of the financial industry and blockchain experts. Our team includes Steven Heilbron (former CEO of Investec Bank UK), Dr. Matthew McBrady (former CIO of Blackrock), the founders of Processing.com and early investors in Twitter, Square, Coinbase, Ripple.