Debit card companies charge fees when you buy something. Looking to capture some of the payment market, Coti is a payment network for spending crypto in everyday life that tries to be cheaper than normal banking fees. With a range of payment services, from point-of-sale apps to peer-to-peer transfer, Coti is one of the first crypto-native, fully operable payment networks available. One of the wildest things you can do with COTI is mint your own stablecoin.and make it available.. Yes, you read that right, you can literally make your own money and spend it at the store, if the store uses the COTI Pay point of sale app. Making your own money and spending it certainly sounds like decentralized currency, doesn’t it!?