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The CoDeTech stack, layer by layer
Five layers, from the apps people open (L5) down to the Core blockchain everything settles on (L1). Every statement links to its source.
L5 Access
The apps people actually open.
Turns the four layers below into everyday apps for paying, trading and banking, so users never have to deal with the layers directly.
CorePay Live
CorePay lets a shop create a payment link or a 'pay' button for its website. The customer clicks it, gets sent to a payment provider such as Ping Exchange, and approves the payment with CorePass. The shop then gets a signed confirmation that the payment went through.
- Released on 4 June 2026.
- Payment links, embedded links, or a simple HTML form that needs no JavaScript.
- A WooCommerce/WordPress plugin exists for online shops.
- Supports recurring payments (daily, weekly, monthly, yearly) that the payer can pause or cancel.
- Can quote a price in a normal currency such as USD and convert it at Ping Exchange's live rate, which updates every 15 seconds.
- Confirms each payment to the shop with a digitally signed message (webhook).
- Ping Exchange was the first connected provider, and CoDeTech named Wall Money as the next one.
Source: Core Chronicle: CorePay Is Live, 2026-06-04
Ping Exchange Live
Ping Exchange is a trading platform where you log in with CorePass instead of a password. It was the first exchange to list Core's coins. Across the stack, it is where a real market price is set whenever one asset is converted into another.
- Log in with CorePass, no password.
- The first exchange to offer Core Coin (XCB) and Core Token (CTN).
- Describes itself as a hybrid exchange with a built-in settlement platform (funds clear in about 42 seconds).
- Customers can move into stable tokens at any time.
- According to CoDeTech's CEO, conversions in the stack run as real orders on Ping's order book, with no market makers.
- The first live payment provider for CorePay.
Source: Ping Exchange official website (snapshot 2026-07-24)
Wall Money Pre-launch
Wall Money is an app that combines a regular bank-style account and payment cards with a wallet for digital assets. It connects digital money back to money you can spend in any shop. In a public demo, its virtual card paid for groceries at a supermarket checkout.
- Describes itself as a hybrid fiat and crypto bank with self-custody.
- Public demo (July 2026): USDC was sent from CorePass to Wall Money, converted into a USD balance, and used to pay EUR 13.81 at a Lidl checkout in Slovakia with the virtual card.
- Can send money to a social media handle instead of a wallet address.
- First release: funding only via USDC on the Polygon network; no incoming bank transfers yet.
- First release: virtual card via Google Wallet (Android) only.
- Not available in every country; the regulated partner providers run their own identity checks.
Source: Core Chronicle: Wall Money Update and Release Announcement, 2026-09-14
CorePort Pre-launch
CorePort works out the route a payment takes. You tell it where the money starts and where it needs to end up, and it plans the steps in between, such as which currency and which rail. Most people will use it inside Wall Money without seeing it.
- CoDeTech's CEO calls it 'the instructor': it takes a start point and an end point and composes the route.
- Built on the open payto payment scheme instead of a closed, proprietary standard.
- Inside Wall Money, it handles payment routing and settlement, including choosing the currency when you transfer.
- Also described as covering on-ramp and off-ramp flows (moving between normal money and digital assets).
Source: Core Chronicle script 'The Settlement Rail' (CorePort = instructor) (transcript on file)
L4 Settlement
The addressing rules and the digital money that actually moves.
Sets a shared way to address a payment (PayTo) and provides digital versions of normal currencies (MoneyX), so value can move between people and apps without a card network in the middle.
PayTo Live
PayTo is an open standard for writing down payment instructions, a bit like an email address for payments. A payment link or button tells any compatible app who to pay, how much and in which currency. Nobody owns the standard, so any app can use it.
- Built on 'payto', an open URI scheme registered with IANA and published as an RFC in 2020.
- payto.money creates payment links, HTML buttons and FinTag tags; Core is the default network.
- The PayTo Alliance is a group of companies using the protocol, including Wall Money, Ping Exchange, Data Layer, Onion and Blockchain Hub.
- In a July 2026 demo, PayTo was the payment option chosen to send USDX to a social media handle.
Source: PayTo Alliance website (snapshot 2026-09-07)
MoneyX Testing
MoneyX issues digital versions of normal currencies, such as USDX for US dollars. Each token is meant to be backed one-to-one by real money in a bank account. It's created when money is paid in and destroyed when someone cashes out.
- Four currencies: USD, EUR, CNY and THB (USDX, EURX, CNYX, THBX).
- STC1 class: every token is backed 1:1 by fiat reserves.
- Tokens are minted only when fiat is deposited and burned when redeemed.
- MoneyX says it publishes a signed reserve statement every month.
- Only verified businesses can mint: a business check (KYB) plus reserves of at least USD 100,000 or access through a connected service.
- Shown in public demos: USDX was sent from Wall Money to a social media handle in July 2026.
Source: MoneyX official website: home, minting, transparency (snapshot 2026-09-04)
L3 Identity
Prove who you are without handing your data to every website.
Tells the other layers who is paying and who is being paid, and lets you approve every payment or data request on your own phone.
CorePass Live
CorePass is a phone app that holds your verified ID and your wallet. You decide who gets which data, and you log in or approve a payment by scanning a QR code instead of typing a password. Your keys stay on your phone.
- Free to download for iOS and Android.
- Digitizes ID documents such as passports and driver's licences, with a built-in identity check (KYC).
- Websites that use CorePass let you register and log in without usernames or passwords.
- It is also a self-custodial wallet: your keys and assets stay on your phone.
- Payments in Ping Exchange, CorePay and Wall Money are approved by scanning a QR code and signing in CorePass.
- A business version (KYB) with shared team wallets and approval rules was in 'official final testing' as of July 2026.
Source: CorePass official website (snapshot 2026-09-09)
L2 DePIN
Payments that keep moving when the internet is down.
Carries transactions over radio mesh and plain text messages, so a payment can reach the Foundation without an internet connection.
Luna Mesh Building
Luna Mesh is a network of devices that talk directly to each other instead of going through a phone company or internet provider. Each device passes messages along to the next one until they arrive. It is designed to carry transactions and messages where there is no internet.
- No central connection point: every node links to other nodes and relays messages onward.
- Adding more nodes makes the network faster, and new nodes join without interrupting the network.
- Can connect through Wi-Fi, Bluetooth, radio frequency, GSM, GPRS and the internet.
- The official site lists sending transactions, checking data and running smart contracts without internet.
- Data is encrypted with ED448 and runs on CoDeTech's own protocol.
- According to CoDeTech's CEO, it sends on four frequencies at once, which makes jamming very hard.
Source: Luna Mesh official website (snapshot 2026-07-12)
TxMS (payments by text message) Live
TxMS turns a signed Core transaction into ordinary text messages. You send them as an SMS to a TxMS number, and the service puts the transaction on the blockchain for you. All you need is basic mobile phone coverage, not mobile data.
- Works on a basic cellular network, with no data connection needed.
- A transaction usually fits into 2-3 SMS; MMS also works.
- In the 2024 guide, the transaction showed up on the blockchain about 10 seconds after sending.
- The code is open source (txms.js), and anyone can run their own TxMS server.
- The PayTo Alliance lists it as its 'Offline Transactions' solution.
- In June 2026, CoDeTech's CEO said offline transactions on-chain via SMS work 'now'.
Source: Rastislav (CTO CoDeTech) on dev.to: 0G Transmission Service (TxMS), 2024-09-17
L1 Foundation
A public record of every transfer, not owned by any bank or company.
Records and checks every transfer from the layers above, so nobody has to rely on one company to keep the books.
Core Blockchain Live
Core is an open-source blockchain: a shared record of who sent what to whom. Many independent computers keep the same copy, so nobody can quietly change it. Every product in this stack writes its final result here.
- Mainnet went live in 2022.
- Open-source network.
- Uses Ed448 cryptography, which Core describes as 224-bit security.
- A transfer is broadcast in about 3 seconds, confirmed in about 7 and fully verified in about 42.
- New blocks are created by mining with an energy-efficient method called PoDE (Proof of Distributed Efficiency), which uses a CPU algorithm called RandomY.
- Addresses follow ICAN, a format with a built-in checksum that catches typos, similar to a bank IBAN.
- Built to run over mesh networks, satellite links and mobile connections, not only regular internet.
- The network's own coin is XCB; every transaction on the network uses XCB.
Source: Core Blockchain official website (snapshot 2026-07-24)
Follow a payment
Pay an online shop with CorePay
- L5 The shop creates a CorePay payment link or button with its Core ID, the asset it wants (here CTN), and a price in dollars (here $5).
- L1 CorePay checks on the blockchain which payment provider the shop's Core ID belongs to. In the demo, that was Ping Exchange.
- L5 The customer clicks 'pay' and lands on Ping Exchange. Ping works out how much CTN equals $5 at its live rate, fee included.
- L3 The customer scans a QR code with CorePass to log in, then scans again and signs to approve the payment.
- L5 The payment shows as completed. Ping reports it to CorePay, which sends the shop a digitally signed confirmation.
In one sentence: The shop shares a link, the customer approves on their phone with CorePass, the provider executes the payment, and the shop gets a signed confirmation, with no card network involved.
Source: Core Chronicle: CorePay Is Live, 2026-06-04 (live demo)
Get paid on X with your handle
- L3 The receiver has a free CorePass wallet and adds their Core ID to their social profile (X, Mastodon, Threads, PixelFed or another Fediverse platform).
- L5 The sender opens Wall Money, goes to the Fediverse tab, types the receiver's handle including the platform (here @tellmemoreaboutcore@x.com) and taps FediPay.
- L4 The sender enters an amount (4.20) and picks the asset to send: USDX, MoneyX's digital US dollar.
- L4 The sender picks PayTo as the payment rail.
- L3 The sender opens CorePass, scans the QR code, checks the transaction and signs it.
- L1 The payment arrives within seconds. The receiver sees 4.2 USDX in their CorePass.
In one sentence: Instead of copying a long wallet address, you pay someone's social media handle. The Core ID in their profile tells the system where to send the money.
Source: Core Chronicle CC13: Social Identity Payments Are Here, 2026-07-28 (live demo with TMMAC)
Pay without internet
- L2 You sign a Core transaction on your own device. TxMS turns it into plain text that fits into 2-3 SMS.
- L2 The sender texts it to the TxMS number over a basic mobile network. No mobile data is needed.
- L1 The TxMS service puts the transaction on Core. In the guide, it appeared on the blockchain after about 10 seconds and could be checked on the Blockindex explorer.
In one sentence: A payment can reach the blockchain as a plain text message. Today that's a working developer tool, and Luna Mesh is meant to carry the same kind of traffic over radio in the future.
Source: Rastislav (CTO CoDeTech) on dev.to: 0G Transmission Service (TxMS), 2024-09-17
What if…
The internet goes down in a region: after a storm, in a remote village, or in a cellar with no signal.
Card terminals and normal banking apps stop working, because they need a data connection.
Inside the stack: A signed Core transaction can be sent as plain SMS through TxMS, which only needs basic mobile coverage. Luna Mesh is being built to carry transactions over radio between devices, with no provider in the middle.
SMS route: developer tool, working. Mesh route: Building, not public.
A card network goes down, blocks a merchant, or takes its usual cut of every sale.
In the normal system, a shop that depends on card payments can't get paid, or loses a percentage of every sale.
Inside the stack: Payments between wallets inside the stack don't use a card network. The customer signs in CorePass, the provider (e.g. Ping Exchange) executes the payment, and CorePay confirms it to the shop.
Wall Money's own payment cards do run on a card network (the Lidl demo used the Wall Money virtual card), so card spending would still be affected. Only wallet-to-wallet payments avoid it. CoDeTech's CEO says card rails take 2-3% from merchants; that is his claim, not a measured figure.
A bank transfer is stuck for days: cut-off times, correspondent banks, a public holiday abroad.
Money in transit can't be used, and the recipient waits.
Inside the stack: Inside the stack, value moves in seconds (Core confirms in about 7 seconds and fully verifies in about 42). Only the final exit into a regular bank account is slow. Wall Money says cashing USDX out to fiat takes 18-72 hours, and blames that on the bank side, not the blockchain.
The stack doesn't fix international banking. It keeps most everyday payments away from it.
Who builds it
Built by CoDeTech. Sold to enterprise by ARAX. The revenue flows back into the chain.
CoDeTech builds the products on Core. ARAX, a publicly listed company, sells blockchain platforms to businesses. The idea is that business use of the stack feeds back into the network, because every transaction on Core uses its coin, XCB.
Source: Reviewed site copy: StackLoopLine.jsx + About.jsx (#wrappers)