Features

Peer-to-peer transfers that settle in seconds, not business days

Low fixed transaction fees regardless of transfer amount

Mobile wallet with QR-code payment flow designed for non-technical users

Merchant payment integration with instant settlement confirmation

Transparent on-chain transaction history — every transfer is publicly verifiable

Multi-signature wallet support for organisational and escrow use cases

Developer API for integrating Rupee COIN payments into third-party applications

Tech stack

Custom blockchain implementation optimised for payment throughput and low-latency confirmation

Proof-of-stake consensus mechanism for energy-efficient transaction validation

Node network with peer discovery and fault-tolerant block propagation

Cryptographic wallet with HD key derivation and secure key storage

REST API and webhook notifications for merchant and developer integrations

Mobile wallet application on iOS and Android

Block explorer for public transaction verification

What Rupee COIN is built for

Traditional payment infrastructure has a friction problem at the small-transaction end. A bank transfer between two people in the same country can take a day and cost more than the transaction is worth if the amount is small. Card payments route through multiple intermediaries each taking a margin. The person sending money and the person receiving it are the last people the system was optimised for.

Rupee COIN is built around the single premise that a payment between two people should be as simple as handing over cash — immediate, certain, and cheap regardless of the amount. The consensus mechanism was chosen for settlement speed over raw throughput, because for a payment coin, knowing a transaction is final in seconds matters more than processing ten thousand transactions per second.

The mobile wallet was designed with non-technical users as the primary audience. The payment flow is QR code scan, amount confirmation, and send. The underlying cryptography is invisible. For merchants, the integration is a payment address and a webhook — no SDK required, no monthly platform fee, and settlement is immediate rather than batched at end of day.

The multi-signature wallet feature targets small businesses and DAOs that need shared custody of funds without trusting a single key holder. Two-of-three and three-of-five configurations are supported, with transaction signing via the mobile app.

Who it is for

Rupee COIN is used for peer-to-peer transfers where bank transfer latency is a problem, merchant payments where card processing fees are disproportionate to the transaction size, developer integrations that need a programmable payment layer, and communities building applications that require a native digital currency.