UNIVERSAL PAYMENT BLOCKCHAIN

GRAFT HIGHLIGHTS

Decentralized ProcessingNo central authority. No upfront contracts. All payment methods including credit cards are processed by the network
Universal SolutionAccepting both cryptocurrencies and credit cards. Merchant payouts in both cryptocurrencies and local fiat currencies
Tiny Transaction FeesFlexible transaction fee structure makes crypto micropayments possible
Instant AuthorizationsBitcoin takes 10-60 minutes to confirm a transaction. Graft takes seconds
Credit Card WorkflowsProvide compatibility with current systems and processes
Absolute PrivacyUntraceable, Unlinkable, Fungible. All Features of CryptoNote Plus Confidential Fee Amounts
Trust and ComplianceID and claim verification on demand. Reputation score system
Fast IntegrationCompatible with current credit card workflows. Flexible API and SDK
Convenience for BuyersMulti-currency, cross system wallets. And credit cards accepted too!
Merchant TokensEnable loyalty rewards, promotions, and other brand building
Cutting Edge Blockchain DesignBuilt on Monero (CryptoNote), leveraging both proof-of-work, and proof-of-stake techniques, Graft represents state of the art in the blockchain design
Free TransfersUsers Authenticated by Zero Knowledge Proof can move funds between wallets without Transaction Fee

Benefits

MERCHANTS

Real Time Authorizations (Instant Confirmations)Instant transaction confirmation, within hundreds milliseconds to a few seconds, which enables normal in-store and online checkout process
Low Transaction FeesAll fees are borne by the receiver. GRAFT makes micropayments accessible by setting very low fees, but without fee component. The size of fee depends on the amount of transaction
Special Transaction Types and Smart ContractsGraft Point of Sale apps support multiple transactions types that are unusual for cryptocurrency. For example pre-authorization and capture that are necessary for ticket booking, hotel check-in, or gas station payment. Schedule or Escrow transactions, which are essentially pre-programmed configurable smart contracts, can help businesses set up periodic remittance and subscriptions
Free Point of Sale App Accepts All Payment MethodsFree Mobile Point of Sale app accepts various cryptocurrencies and credit/debit cards, which eliminates the need to maintain multiple point of sale apps and wallets
Merchant Payouts in Local Fiat CurrencyTransaction are settled in real time and payouts can be received in local currency
Authenticated BuyersBuyers can confirm their identity in order to unlock some special transaction types which require age verification, for example

BUYERS

No Transaction FeesGraft transaction fees are always charged to the merchant, just like with traditional credit card payments. Small purchases with cryptocurrency will be finally affordable
Free Funds Transfers Between WalletsNeither sender nor receiver pays any fee for limited number of low priority slow funds transfers between wallets
Absolute PrivacyCryptoNote protocol ensures full untraceability, unlinkability, and fungibility of Graft blockchain, where sender address, recipient address, and transaction amount are cryptographically protected and invisible. On top of that, Graft adds “one more thing”; it makes even transaction fees invisible to public view
Spending CardThe Mobile Wallet user can pay everywhere using traditional debit card associated with multi cryptocurrency wallet
Crowdfunded CreditThe Mobile Wallet user can instantly request a crowdfunded “credit line”. No credit history checks
Zero Knowledge Proof Identity VerificationSome features such as free transfers or crowdfunded credit require user identification and authentication. Zero knowledge proof technology allows users to authenticate without compromising their privacy

SUPERNODE OWNERS

Block RewardsSupernode owners receive PoW block rewards.
Transaction FeesSupernode owners receive transaction fees for real time authorizations
Hosting Service BrokersSupernode owners receive a share of transaction and service fees charged by service brokers

Payments type comparison

CashDebitCreditMobileBitcoinGraft
PRIVACY Yes No No No No Yes
ACCEPTANCE Yes Yes Yes No No Yes
EASE OF USE Yes No No Yes Yes Yes
BUDGET CONTROL Yes Yes No No Yes Yes
CREDIT No No Yes No No Yes
CROSS BORDER No No Yes No Yes Yes
REWARDS No No Yes No No Yes
P2P TRANSFER Yes No No Yes Yes Yes
CRIME/FRAUD PROTECTION No No Yes No No Yes

Feature Comparison