COTI presents itself as the premier enterprise-grade fintech platform, offering organizations the ability to construct their own payment solutions and digitize any currency, resulting in time and cost savings. As one of the world's pioneering blockchain protocols tailored for decentralized payments, COTI caters to merchants, governments, payment DApps, and stablecoin issuers. COTI Pay serves as the flagship application, positioning itself as a comprehensive blockchain-based financial solution. The COTI Group was established in March 2017, with the Staking Platform following suit on January 1, 2020. This ecosystem is purpose-built to address the myriad challenges of traditional finance, such as latency, fees, global accessibility, and risks. These challenges are mitigated through the utilization of a DAG-based protocol and infrastructure that is highly scalable, private, inclusive, and swift. Key components of the ecosystem include a DAG-based blockchain, a proof-of-trust consensus algorithm, multiDAG, the Global Trust System (GTS), a universal payment solution, and a payment gateway.