Introducing Interphase The Privacy Layer for All Money Interphase is the flagship app on the COTI protocol, and the first step in bringing private programmable money to everyday users. Its dedicated page is now live, setting out how it works and the roadmap ahead. > coti.io/interphase Interphase serves as the privacy layer for moving money between blockchains. It executes confidential, unlinked transfers across 30+ major networks. 1. The Problem On public blockchains, every transfer is traceable. Each bridge, swap and cross-chain payment leaves a public record of who sent what to whom, which allows anyone to follow the money from one wallet to the next. Interphase is built to break that link. 2. Built for Everyday Use Interphase is designed to make a private transfer as easy as a public one. Users keep full control of their funds throughout, and every transfer arrives clean, with no shared history. 3. The Roadmap Interphase is being developed in three phases. > coti.io/roadmap 1. Private Cross-Chain Payments (Q4 2026 to Q1 2027): private transfers on Bitcoin, Ethereum, Solana and TRON, settled in under 60 seconds. 2. Business and Ecosystem Expansion (Q2 to Q3 2027): expansion to Base, Arbitrum, BNB Chain, Sui and Aptos, with private travel booking and confidential payroll. 3. Scale and Global Commerce (Q4 2027 to Q1 2028): the Interphase SDK and a one-click merchant checkout, bringing private transfers to any Web3 website or app. 4. Closing Points Interphase is creating a private settlement layer for the multi-chain economy. It is the next joint frontier in the privacy and cross-chain markets, and an embodiment of private transfers tied with the reach of every major blockchain. It starts with Interphase. The full details are live now. coti.io/interphase

Introducing the COTI Memorandum The Case for Private Programmable Money Today, COTI publishes its memorandum, setting out the thesis behind COTI 2.0, and the plan to make private programmable money the global standard. > coti.io/memorandum 1. The Thesis COTI is the protocol for private programmable money. Privacy has been the defining sector of this cycle. It was the best performing sector of 2025 and has led the market through 2026. The greatest performing assets of the past year fit into this sector. Private programmable money is at the cross-section of public blockchains and private finance; it’s a culmination of the openness of the blockchain with the confidentiality money has always needed. 2. Understanding Private Programmable Money Private programmable money is a market economy in which participants hold, send and build with money on public blockchains, without exposing their balances or payments. Stablecoins are the clearest example of the opportunity. They brought the world’s most used currency on-chain, for anyone to hold and send. But almost every one of those dollars sits on a public ledger. Private programmable money is the defining point in bringing that market to the people, in a frame where their money stays theirs to see. 3. A Protocol for Private Money There have been a number of privacy products already, namely Zcash and Monero. Both have been built on their native chains. This thwarts what privacy can be used for, boosts the cost of building with it, and divides the privacy market across a dotted range of separate coins. COTI is addressing the privacy market’s biggest bottleneck and expense driver. Its Privacy-on-Demand SDK is usable by third parties to build privacy into apps on the chains they already run on, starting with Avalanche, with major blockchains to follow. 4. Taking the Lead with Interphase The flagship app on the COTI protocol is Interphase, and it’s designed to achieve a number of goals: (1) be a dominant privacy app from the get-go, (2) onramp a mass of retail users to private, compliant transfers across 30+ chains, and (3) build a massive network of wallets, DEXs, bridges, payment apps and marketplaces as integration partners. 5. Closing Points COTI is creating a private financial network for the stablecoin economy. It is the next joint frontier in the privacy and stablecoin market, and an embodiment of the confidentiality of banking tied with the openness of the blockchain. The full memorandum is live now. coti.io/memorandum