CoCo Blockchain — Crypto That Works for Real Businesses

Why CoCo?

The Problem: A butcher in France pays $9,000/year in card fees at 5% per transaction. Small merchants everywhere are trapped: accept cards and bleed margin, or refuse cards and lose customers. CoCo fixes this — with crypto you never have to see.

💰 Near-Zero Fees

0.25% per transaction vs 2-5% for credit cards. B2B supplier payments at 0%. A merchant doing $200K/year saves $9,500+ annually.

📦 Real-Time Inventory

Every product is a digital twin on-chain. Scan a barcode → see full history: where it came from, who owned it, is it authentic? No more spreadsheets.

🏪 Scan-to-Pay POS

One barcode scan = instant settlement at 0.25%. No terminal contract, no chargeback risk, no PCI compliance. Works offline too.

📄 Smart Contracts

Deploy Wasm-based ink! contracts with KYC-gated chain extensions. Built-in PAYG, lease-to-own, and escrow templates ready to deploy.

🔐 DRM & Micro-Finance

Pay-as-you-go, lease-to-own, subscriptions, or micro-loans secured by on-chain product DRM. Lock on non-payment, unlock on payment, repossess on default.

🔗 Solana + USDC Bridge

Deposit USDC from Solana, spend it anywhere on CoCo. Withdraw back to Solana. Relayer-secured with replay protection. Auto-yield on idle deposits.

📋 Inter-Ecosystem Supplier Orders

Butcher orders from supplier — both on CoCo. Auto-PO from low stock alerts, QR scan receiving, instant payment at 0% fee. No more $25 wire fees.

📱 Wallet You'll Actually Use

Android app with biometric auth. Linux CLI for power users. Create a wallet in 10 seconds — no seed phrases to type, no gas fees to worry about.

⏰ Expiry + Markdown Engine

Auto-suggest discounts on expiring inventory: 20% at 2 days, 40% at 1 day, 60% on expiry day. One-click apply with margin analysis and CSV export.

Fee Comparison

Retail Payment ($20)

Processor	Fee	Settlement
★ CoCo	$0.05	6 seconds
Visa / Mastercard	$0.50 – $0.90	1-2 days
MercadoPago	$0.30 – $1.00	Next day
PayPal	$1.19	Instant (holds)
Stripe	$0.88	1-2 days

B2B Supplier Payment ($1,000 invoice)

Method	Fee	Settlement
★ CoCo (internal)	$0.00	6 seconds
Wire Transfer	$25 – $50	1-3 days
Corporate Card	$20 – $30 (2-3%)	1-2 days
Paper Check	$5 – $10	5-10 days

0.25% border fee is still 10-24x cheaper than any card processor. Internal ecosystem movement is 0%. Cash doesn't give you inventory analytics, DRM enforcement, or automated supplier ordering.

How It Works

1. Scan
Barcode or QR at checkout

→

2. Verify
On-chain authenticity + price

→

3. Pay
0.25% fee, instant settlement

→

4. Done
Receipt with QR proof of ownership

The merchant never sees a wallet address, seed phrase, or gas fee. They scan a barcode and get paid.

What Makes It Different

Capability	CoCo	Traditional
Payment Fees	0.25%	Visa/MC 2-5%
Settlement	Instant (6 seconds)	1-3 business days
Chargebacks	None (immutable)	Costly & frequent
Inventory	Real-time, on-chain	End-of-day batch
Cross-chain	Solana, USDC, USDT	Siloed
Merchant Setup	Scan barcode → done	Terminal, contract, PCI audit

Join the Community

CoCo is open-source (Apache 2.0). Follow us, contribute, or just say hi.

Get Started in 2 Minutes

📖 Read the Docs

Complete API reference, pallet documentation, architecture overview, build guide.

Open Documentation →

💻 Run a Local Node

Clone the repo, build the chain, run a dev node. Full Substrate node with Aura + Grandpa consensus.

git clone https://github.com/company-coin/coco-substrate
cd coco-substrate && ./scripts/build.sh
./scripts/run-dev.sh

📱 Get the Wallet

Android app with wallet, scanner, and POS integration. Linux CLI wallet for developers.

Download APK → CLI Wallet →

🔗 Use the Bridge

Deposit USDC from Solana to CoCo, withdraw back. Full relayer-secured bridge with replay protection.

Bridge spec: SOLANA_BRIDGE_SPEC.md

Crypto For All