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Executive Summary

cPay is a revolutionary new payment system for today’s mobile economy, designed to help grow local businesses while strengthening communities. Users use their mobile phones to pay for goods and services at merchants who are members of the cPay Network. cPay provides a cause-and-rewards marketing program that incentivizes customers, thus increasing merchant sales. Plus, instead of the merchant’s fees going to multinational companies such as VISA, these funds (1%) are redirected to the local nonprofit of the customer’s choice. cPay is the first-to-market to leverage blockchain technology to complete in-store payments, and first in the nation to legally solve the cannabis payment problem in a state.

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