Imagine a world with truly decentralized, yet fast and convenient payments, accessible anywhere. A payment network with no big banks, no single access point dictating the rules and selling, reporting, or compromising your transaction data, a network that allows everyone to both use it and participate in it. Credit card networks like Visa and Mastercard provide a valuable service – they authorize payments very quickly while you’re at the point of sale, providing the merchant with assurance that they will get paid, and then facilitate transaction settlement between the banks; they also make your electronic payment method (credit card) accepted at millions of locations. Just like them, GRAFT is making the alternative payment transactions work in real-time anywhere via instant off-chain authorizations and integration with existing payment terminals, and then settling them onto the blockchain with uncompromising privacy – all this without involving banks!