COTIs main offering for consumers is a multi-currency wallet providing easy access to the COTI payment network and other payment use cases. COTI will also offer a debit card that links directly to these wallets, where users can specify their preferred currency and benefit from automatic conversion.As COTI is an integral part of the network, the value should increase as the network gains more users and payment traffic. However, heavy price volatility is not desired for a currency being used in a payment network.