COTI is the world’s first blockchain protocol optimized for decentralized payments, designed for use by merchants, governments, payment dApps and stable coin issuers. COTI Pay, our first app, already boasts a network of 5,000 merchants and 80,000 users. COTI uses a DAG (directed acyclic graph) ledger to address the shortcomings of blockchain platforms that make them unsuitable for supporting mainstream and everyday transactional needs.

Our Armacoin GZM coin is specially designed for advertising companies, various media, various greetings registered on the basis of blockchain. Each new message will not be overwritten by the previous one, but will be supplemented. These advertisers can be quite a lot and each of them will receive a payment for their advertising message. The cost of this one message will be 1 GZM. A specific function and variable were added in this coin. The function «Set-Messange» and the global variable «Messange» that is permanently stored in the blockchain. The «SetMessange» function adds a line to the «Messange» function and the 1 GZM is removed from the account of the one who calls this function and transfers this 1 GZM to the advertiser's account. This coin is like a prototype of a Billboard, where the owners of this token, that is, advertisers, can place a message in the contract line for only 1 GZM. The advertiser can place this message on the billboards in different cities, on websites and all visitors will see what is specified in the global parameter of the messange. This coin was created on the ERC-20 contract. The total number of issued and coins for mining does not exceeds 1 billion. The mining of this coin is also unique because it allows to generate GZM tokens with low power renewable energy. This leaves most of the green energy to use for the network, while the miner can use the opportunity to acquire new tokens. We are also developing applications for this smart contract and will give the opportunity to mine these tokens using renewable energy sources, various gadgets with installed pedometers apps, electric vehicles, fitness bracelets and much more. Everything will be done for environmentally friendly and safe mining, as well as for the stimulation of a healthy lifestyle of the people living on our planet. We will encourage everyone who cares about the purity and ecology of our planet.

Tokoin is a platform that establishes the digital business identity and reputation of micro, small & medium enterprises (MSME) as acceptable credibility scoring for suppliers and financial institutions. Tokoin aims to: - Build a digital business identity for MSME that represents a valid business reputation - Build a digital ledger for MSME that records real-time transaction data and provides opportunities to distribute the data to the relevant parties in the ecosystem, hence monetizing their data. - Build a digital ledger for MSME that records real-time transaction data and provides opportunities to distribute the data to the relevant parties in the ecosystem, hence monetizing their data. - Grow opportunities by lowering transaction costs, increasing buying power, and providing the previously inaccessibles access for business partnership - Suppress the financial inclusion barriers

Verity makes it easy for people to get paid for reporting on real-time events and information around them, while developers can get any data they want in a cheap, fast and secure data feed. It uses sub-ms network to process data with wisdom of the crowd approach and uses blockchain‑as‑a‑court‑system on Ethereum network to guarantee security and fairness.

Xsure is a decentralized risk management platform that facilitates real-time communication between insurance providers and the end customer. With the help of machine learning and blockchain trust-less governance technologies we have managed to eliminate third parties from the whole insurance life-cycle and turn it into a dynamic process instead of a static one.