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COTI bills itself as the world's first enterprise-grade fintech platform, allowing businesses to create their own payment systems and digitize any currency to save time and money.COTI is a decentralized payment system tailored for retailers, governments, payment DApps, and stablecoin issuers.Companies may use this platform to easily construct complex fintech solutions while saving time, data, and money. COTI pay is capable of processing all types of payments, both online and offline. Crypto and stablecoins, as well as credit cards and even native coins, fall under this category. It also comes with built-in finance, with interest generated on both deposits and loans. The white label payment network is also connected to this.