Monetization and Distribution
Monetization and Distribution
How the system captures value, achieves distribution, and scales.
How the system captures value, achieves distribution, and scales.
Distribution Through Existing Systems
Distribution Through Existing Systems
Integrated at the provider level, enabling distribution across merchant and user networks without direct onboarding.
Integrated at the provider level, enabling distribution across merchant and user networks without direct onboarding.
MERCHANT SIDE
POS Infrastructure Integration
Integrated directly with POS system providers.
One integration unlocks entire merchant networks
One integration unlocks entire merchant networks
No hardware change required
No hardware change required
Relevant regulatory compliance requirements are handled on POS provider side
Relevant regulatory compliance requirements are handled on POS provider side
Aligns with existing merchant operational frameworks
Aligns with existing merchant operational frameworks
USER SIDE
Wallet Infrastructure Integration
Integrated directly with wallet service providers.
One integration unlocks large user bases
One integration unlocks large user bases
Leverages loyalty of integration partner user bases
Leverages loyalty of integration partner user bases
Wallet providers manage user identity and compliance layers
Wallet providers manage user identity and compliance layers
No direct user acquisition
No direct user acquisition
Scaling Through Integration
Scaling Through Integration
SCALING
Network Expansion Dynamics
Each integration expands distribution and increases transaction volume.
Merchant and user participation reinforce benefits across both sides of the network
Merchant and user participation reinforce benefits across both sides of the network
Each integration increases total transaction volume
Each integration increases total transaction volume
Increased participation and adoption drives higher transaction frequency
Increased participation and adoption drives higher transaction frequency
System growth is reinforced by increasing digital currency adoption
System growth is reinforced by increasing digital currency adoption
Transaction Volume-Based Revenue Model
Transaction Volume-Based Revenue Model
A percentage fee on transaction volume flowing through the rail.
A percentage fee on transaction volume flowing through the rail.
Target fee allocation of 0.4-0.5% of transaction volume as CTAP's cut
Target fee allocation of 0.4-0.5% of transaction volume as CTAP's cut
Total fee designed to undercut blended card network rates
Total fee designed to undercut blended card network rates
Fee structure adaptable across jurisdictions
Fee structure adaptable across jurisdictions
Revenue scales directly with transaction volume
Revenue scales directly with transaction volume
Integration partners also earn transaction volume-based revenue
Integration partners also earn transaction volume-based revenue
Blockchain-native settlement reduces cost across the payment stack
Blockchain-native settlement reduces cost across the payment stack
Payment Stack Position
Payment Stack Position
POSITIONING
Payment Stack Positioning
A traditional payment structure adapted to a wallet-based system.
Traditional payment stacks distribute fees across issuers, acquirers, and networks
Traditional payment stacks distribute fees across issuers, acquirers, and networks
The same structure is replicated using wallet-based infrastructure
The same structure is replicated using wallet-based infrastructure
Bank accounts are replaced by wallet addresses as the underlying payment primitive
Bank accounts are replaced by wallet addresses as the underlying payment primitive
Blockchain-native settlement compresses the payment stack and reduces intermediaries
Blockchain-native settlement compresses the payment stack and reduces intermediaries
CTAP operates at the network layer, orchestrating the transaction flow and capturing value
CTAP operates at the network layer, orchestrating the transaction flow and capturing value
Market Shift to Digital Currency Payment Systems
Market Shift to Digital Currency Payment Systems
Central bank and private digital currencies are converging toward blockchain-based payment infrastructure
Central bank and private digital currencies are converging toward blockchain-based payment infrastructure
Central banks are actively piloting and planning deployment of large scale digital currencies (Digital Dirham, Digital Euro)
Central banks are actively piloting and planning deployment of large scale digital currencies (Digital Dirham, Digital Euro)
CBDCs require supporting infrastructure to integrate into existing payment systems
CBDCs require supporting infrastructure to integrate into existing payment systems
Stablecoin market cap exceeds $250B, with USDC and USDT representing the majority of supply
Stablecoin market cap exceeds $250B, with USDC and USDT representing the majority of supply
Stablecoins are increasingly used for real-world transactions, with limited penetration at POS
Stablecoins are increasingly used for real-world transactions, with limited penetration at POS
Digital currency adoption is accelerating across both institutional and private sectors
Digital currency adoption is accelerating across both institutional and private sectors
Payment systems need to shift from account-based infrastructure to wallet-based infrastructure to facilitate the shift to blockchain-nativity
Payment systems need to shift from account-based infrastructure to wallet-based infrastructure to facilitate the shift to blockchain-nativity
Multi-Layer Defensibility
Multi-Layer Defensibility
Defensibility is built across intellectual property, system architecture, and integration effects.
Defensibility is built across intellectual property, system architecture, and integration effects.
Patent protection covers core transaction architecture and compliance-linked features
Patent protection covers core transaction architecture and compliance-linked features
Two device transaction model introduces structural barriers to replication
Two device transaction model introduces structural barriers to replication
SDK-based model embeds CTAP swiftly and directly into partner systems
SDK-based model embeds CTAP swiftly and directly into partner systems
Integration with wallet and POS providers creates distribution lock-in over time
Integration with wallet and POS providers creates distribution lock-in over time
Customizable branding and user experience enable partner-layer differenciation at the interface layer
Customizable branding and user experience enable partner-layer differenciation at the interface layer
Early posistioning within emerging digital currency infrastructure provides first-mover advantage
Early posistioning within emerging digital currency infrastructure provides first-mover advantage
A Contactless Payment Rail for Digital Assets
A Contactless Payment Rail for Digital Assets