> For the complete documentation index, see [llms.txt](https://docs.cofi.money/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.cofi.money/overview/cofi-payments.md). # COFI Payments A not-so-secret benefit of crypto-assets and blockchain networks is their ability to revolutionise the payments space. Merchants have long been plagued with exorbitant acquirer and interchange fees that eat into their margins. As part of the next iteration of our Roadmap, COFI Money will provide a seamless payments solution that benefits Users and Merchants alike. By signing up, Merchants enable their Users to purchase products using their COFI stablecoins and Points. Any Points spent by the User will be received, in COFI or the underlying asset (e.g., USDC) by the merchant in the equivalent number of said assets. For example, Alice purchases a $3.50 cappuccino by spending 3 COFI and using 500 of her COFI Points. The Merchant can choose whether to receive this payment in COFI or USDC, which is settled near-instantly due to Arbitrum's impressive sporting of 40,000 TPS. Therefore, not only can Merchants evade fees of the past, but incorporate incentives to bring Users to their store or platform. If you represent a Merchant, big or small, please reach out to us at to arrange a call. ☕️ --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.cofi.money/overview/cofi-payments.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.