Paycoin (PCI)
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About PCI
Paycoin (PCI) is the utility token powering PayProtocol, a private-blockchain-based payment ecosystem developed by South Korean fintech company Danal. Built on Hyperledger Fabric, PayProtocol delivers sub-second transaction finality, enterprise-grade privacy, and multi-currency support, enabling real-world crypto payments at scale. Over 130,000 merchants and 3 million users benefit from low-cost, near-instant transactions using the PCI token or other supported cryptocurrencies like BTC and ETH. Through the PayCoin Wallet and Mastercard-linked PayProtocol Card, users can spend crypto at retail locations worldwide. PCI also supports validator voting, promotions, and merchant paybacks, aligning incentives across the ecosystem.
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Frequently Asked Questions about Paycoin
What is Paycoin (PCI)?
Paycoin is the native token of the PayProtocol platform, designed for real-world payments across a global merchant network. It enables fast, secure, and low-fee transactions using a private Hyperledger Fabric blockchain.
How is PayProtocol different from public blockchains?
PayProtocol runs on a permissioned Hyperledger Fabric network, meaning only authorized validators confirm transactions. This ensures faster settlement, enhanced privacy, and scalability, ideal for retail and e-commerce payments.
Where can I use PCI to pay?
PCI is accepted at over 130,000 locations, including major brands like 7-Eleven, Domino’s Pizza, and KFC in South Korea. Users can pay using the PayCoin Wallet app or the PayProtocol Mastercard card for global purchases.
What is the PayCoin Wallet?
The PayCoin Wallet is an official mobile and web app that lets users store, convert, and spend PCI and other crypto assets. It also links directly to the PayProtocol Card for in-store and online payments.
How does the PayProtocol Card work?
The PayProtocol Card is a Mastercard-branded crypto card that enables users to spend PCI at any merchant accepting Mastercard. Transactions settle instantly on-chain, while the merchant receives fiat payments.
Can I use other cryptocurrencies besides PCI?
Yes. PayProtocol supports multi-currency payments, including Bitcoin, Ethereum, and stablecoins. Users can select their preferred asset for payments, while merchants receive funds in their chosen crypto or fiat.
What role does PCI play in the ecosystem?
PCI is used for transactions, validator voting, and accessing ecosystem incentives. A portion of the supply funds user rewards and merchant promotions, helping grow the platform organically.
What are the security features of the PayProtocol system?
PayProtocol employs two-factor authentication, biometric access, PCI-DSS compliance, and non-custodial private key storage. Users can also manage card settings, lock/unlock features, and monitor transactions in real time.
How do I get started with PayProtocol?
Download the PayCoin Wallet app, complete the identity check (KYC), and link a supported exchange wallet like Korbit or Coinone via WalletConnect. Then you can top up PCI and start spending through the app or PayProtocol Card.
Where can I trade PCI?
PCI is listed on major centralized exchanges including Bitget, Coinone, Korbit, Bithumb, and HTX. Trading pairs are typically offered in USDT or KRW.