COTI is pushing the envelope in terms of solving the payments challenges of today. It is a currency and a payment platform that is simple, transparent, trustworthy, instant and scalable. COTI takes out the middleman, which translates into low-to-zero processing fees for merchants, significantly lower rolling reserve requirements, buyer-seller protections and high approval rates. The COTI payment system integrates seamlessly with major e-commerce websites (e.g. Shopify and Magento) to provide a streamlined user experience and checkout process.