TMMAC, Tell me more about Core

explains the CoDeTech stack

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An interactive explainer by TMMAC

Inside the CoDeTech stack.

Connecting to Core…

Sourced from official CoDeTech, Core and MoneyX material · live data from the real Core network · · read it as text

An explainer by TMMAC

Your ID. Your money.
One public record.

CoDeTech builds apps to prove who you are, to pay and to move money. All of them stand on Core, a public, open-source blockchain run by a decentralized network instead of one company. Scroll, and we take it apart, one layer at a time.

Core
The public, open-source blockchain underneath, run as a decentralized network
CoDeTech
The company that builds the apps on it, like CorePass and CorePay
TMMAC
That's us, an official Core education channel under CoDeTech

Connecting to Core…

Start
2 sources

Why build this

Today, your money runs through other people's systems.

  • A bank transfer is stuck for days.
  • A card company sits in the middle, can block the shop and takes a cut.
  • No internet, so card terminals and bank apps stop.
  • Every website wants its own account, password and copy of your data.

CoDeTech's answer is not one app. It is a stack of five layers that work together, with Core at the bottom.

5 sources

The idea

Five layers, like a city.

Think of a city. On the street you see shops and banks. Under the street run the pipes and cables that make them work. The CoDeTech stack is built the same way: five layers, each with one job.

  1. Apps What you tap on your phone: pay, trade, bank. CorePay · Ping Exchange · Wall Money · CorePort
  2. Money The digital money, and the rules for where it goes. PayTo · MoneyX
  3. ID Proves it is really you, on your own phone. CorePass
  4. Network Built to get a payment through, even without internet. Luna Mesh · TxMS
  5. Core The public record book of every payment, run by a decentralized network. Core Blockchain

We start at the bottom.

Everything starts here.

Layer 1 of 5 · Core

The public record book of every payment, run by a decentralized network.

Records and checks every transfer from the layers above, so nobody has to rely on one company to keep the books.

New blocks come from mining (Proof of Work). Ordinary computers can mine.

CoDeTech says all of its software is built on two foundations: the Core Blockchain and the CorePass ID app.

  • Core Blockchain

    Record bookLive

    Writes down every payment, for anyone to check.

    Core is the public record book at the bottom of the stack. Its coin is XCB (Core Coin), which CoDeTech's CEO says every transaction on the network needs.

    Main network live since 6 May 2022open-source blockchain

2 sources

Next: how a payment reaches the record book, even when the internet is down.

Layer 2 of 5 · Network

Built to get a payment through, even without internet.

Carries payments from device to device by radio, or as plain text messages, so a payment can reach Core without an internet connection.

  • Luna Mesh

    Mesh radioBuilding

    Devices pass messages to each other, no internet needed.

    Luna Mesh is being built to carry transactions over radio from device to device, so a payment could reach Core without any internet provider. No public network exists yet.

    Sends on 4 frequency ranges at oncesays CoDeTech's CEO

  • TxMS

    Pay by SMSLive

    Sends a payment as ordinary text messages.

    TxMS is the working route from a basic phone network to Core today, live on the main network. Luna Mesh is meant to do the same job over radio.

    On Core ~10 s after 2–3 SMS2024 developer guide

2 sources

Next: who is paying? The answer lives on your phone.

Layer 3 of 5 · ID

Proves it is really you, on your own phone.

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

    ID appLive

    Your ID and your wallet, on your phone.

    CorePass tells the other layers who is paying and who is being paid. Payments in Ping Exchange, CorePay and Wall Money are approved and signed here.

    Free download; ID check costs onceID and wallet app

Source

Next: the money itself, and how a payment knows where to go.

Layer 4 of 5 · Money

The digital money, and the rules for where it goes.

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

    Payment addressLive

    Like an email address, but for payments.

    PayTo is the shared way of writing down who gets paid, how much and in which currency, so different apps and payment services understand the same payment instruction.

    Open standard: IETF RFC 8905adopted by Core (CIP-10)

  • MoneyX

    Digital moneyTesting

    Digital dollars and euros. MoneyX says each token is backed 1:1.

    MoneyX supplies the digital money that moves between the apps. Tokens are created when real money is paid in and destroyed when someone cashes out. So far this runs at test scale only.

    4 currencies, 1:1 backing per MoneyXUSDX, EURX, CNYX, THBX

2 sources

And on top: the apps people actually open.

Layer 5 of 5 · Apps

What you tap on your phone: pay, trade, bank.

Turns the four layers below into everyday apps for paying, trading and banking, so users never have to deal with the layers directly.

  • CorePay

    Shop checkoutLive

    A pay button for shops.

    At the top of the stack, CorePay turns a shop's payment request into a link. The link sends the customer to a payment service such as Ping Exchange. Then CorePay gives the shop a signed confirmation.

    Released 4 June 2026announced by CoDeTech

  • Ping Exchange

    ExchangeLive

    Swap one coin for another at the price buyers and sellers set.

    CoDeTech says that when one coin or currency is swapped for another, Ping sets the price with real orders from real users. Ping also carries out the payments CorePay sends it.

    First exchange to list XCB (Core Coin) and CTN (Core Token)says Ping Exchange

  • Wall Money

    Money appPre-launch

    Bank account, card and digital money in one app.

    Wall Money links regulated bank accounts and cards to the digital side of the stack. It connects CorePass, Ping Exchange, MoneyX and CorePort in one app.

    Paid €13.81 at a Lidl checkoutvirtual card, public demo

  • CorePort

    Route plannerPre-launch

    Plans the route your money takes.

    CorePort works behind the apps: you give it a start point and an end point, and it plans the route, including the currency, inside Wall Money.

    Built on the open payto schemenot a closed standard

3 sources

See it work

Watch a shop get paid.

This is the real CorePay demo from 4 June 2026, step by step. Keep scrolling.

  1. 01 / 05Layer 5 · Apps

    Shop asks

    The shop asks for $5 in Core Token (CTN) and adds a pay button to its website.

    The shop adds a CorePay button to its website, like the usual 'Pay now' button. It contains the price in dollars (here $5), the token it wants (here CTN) and the shop's Core ID.

  2. 02 / 05Layer 1 · Core

    Core looks up

    Core tells CorePay which exchange takes payments for this shop: Ping Exchange.

    CorePay checks on the blockchain which payment service the shop's Core ID is linked to. In the demo, that was Ping Exchange.

  3. 03 / 05Layer 5 · Apps

    Price set

    Ping works out how much Core Token $5 is, fee included.

    You click 'pay' and land on Ping Exchange. Ping works out how much CTN equals $5 at its live rate, fee included.

  4. 04 / 05Layer 3 · ID

    You approve

    You approve the payment on your phone with CorePass.

    You scan a QR code with CorePass to log in. Then you scan again and sign to approve the payment.

  5. 05 / 05Layer 5 · Apps

    Paid

    The shop gets a signed receipt that the payment went through. Done.

    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, you approve on your phone with CorePass, a payment service such as Ping Exchange carries it out, and the shop gets a signed confirmation. No card network is involved.

Layers used: CoreIDApps

Two more payments to watch

Source

Honestly

What changes, and what doesn't.

Three everyday problems. What the stack does about each one, and where it still falls short.

Today

No internet, so card terminals and bank apps stop.

Card terminals and normal banking apps stop working, because they need a data connection.

With the stack

Send the payment as a text message instead.

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 phone or internet company in the middle.

ButThe SMS route is live today; the radio network is still being built.

2 sources

Today

A card company sits in the middle, can block the shop and takes a cut.

In the normal system, a shop that depends on card payments can't get paid, or loses a percentage of every sale.

With the stack

Pay wallet to wallet. No card company in between.

Payments between wallets inside the stack don't use a card network. The customer signs in CorePass, a payment service (e.g. Ping Exchange) carries out the payment, and CorePay confirms it to the shop.

ButWall Money's card still uses a card network, and the stack has fees of its own.

2 sources

Today

A bank transfer is stuck for days.

Money in transit can't be used, and the recipient waits.

With the stack

Inside the stack, money moves in seconds.

Inside the stack, money moves in seconds (the MoneyX site lists about 7 seconds to confirm and about 42 to fully verify). Only the final exit into a regular bank account is slow. Wall Money says cashing USDX out to normal money takes 18-72 hours, and blames that on the bank side, not the blockchain.

ButCashing out to a normal bank account is still slow.

2 sources

Where it stands

What you can use today.

Not everything is finished. Here is where each product stands, based on what CoDeTech has shown in public.

LivePublicly usable today.

TestingBuilt and running, but only used in tests or demos. Not for everyday use yet.

Pre-launchBuilt and shown working in official demos, not open to the public yet.

BuildingShown in demos or described officially, no public product yet.

Who's who

Four names.
One system underneath.

Core
The public, open-source blockchain underneath, run as a decentralized network.
CoDeTech
The company that builds the apps on it, like CorePass and CorePay.
ARAX
A small US holding company whose shares are traded over the counter. Through a share swap it took over Core Business Holdings. According to ARAX's filings, that company holds the intellectual property behind Ping Exchange, Wall Money and CorePay. ARAX's executives control it: counting their convertible preferred shares, they hold about 63%. Among them is Ockert Loubser, CEO of CoDeTech and COO of ARAX.
TMMAC
That's us, an official Core education channel under CoDeTech. We explain it in plain language.

CoDeTech builds apps like CorePass and CorePay; ARAX counts some of them in its ecosystem. CoDeTech's CEO says everything that happens in this ecosystem needs Core's own coin, XCB.

12 sources

Where to start

Start with CorePass.

Ping Exchange, CorePay and Wall Money all use CorePass to log you in and to approve payments. The app is free to download on iOS and Android; checking your ID costs a one-off fee.

Get CorePass
2 sources

Made by TMMAC, an official Core community education channel under CoDeTech. CoDeTech builds the products; we explain them, so we are part of the ecosystem, not neutral reviewers. This page is information, not investment advice.

Source

Legal notice · Privacy

Read it as text

The CoDeTech stack, layer by layer

Five layers, from the apps people open (L5) down to Core, the record book where every payment ends up (L1). Each section lists its sources.

How it fits

Four names.
One system underneath.

Core
The public, open-source blockchain underneath, run as a decentralized network.
CoDeTech
The company that builds the apps on it, like CorePass and CorePay.
ARAX
A small US holding company whose shares are traded over the counter. Through a share swap it took over Core Business Holdings. According to ARAX's filings, that company holds the intellectual property behind Ping Exchange, Wall Money and CorePay. ARAX's executives control it: counting their convertible preferred shares, they hold about 63%. Among them is Ockert Loubser, CEO of CoDeTech and COO of ARAX.
TMMAC
That's us, an official Core education channel under CoDeTech. We explain it in plain language.
L5 · AppsAccess

What you tap on your phone: pay, trade, bank.

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

Shop checkout Live

A pay button for shops.

CorePay lets a shop create a payment link or a 'pay' button for its website. The customer clicks it, goes to a payment service such as Ping Exchange, and approves the payment with CorePass. The shop then gets a signed confirmation that the payment went through.

Released on 2026-06-04. Ping Exchange was one of the first connected payment services.

  • 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 one of the first connected payment services, and CoDeTech named Wall Money as one of the next.

SourcesCore Chronicle: CorePay Is Live, 2026-06-04 CorePay developer reference (checked 2026-09-04) Core Chronicle #11.5: CorePay WooCommerce plugin demo, 2026-06-11 

Ping Exchange

Exchange Live

Swap one coin for another at the price buyers and sellers set.

Ping Exchange is a trading platform where you log in with CorePass instead of a password. It says it was the first exchange to list Core's coins. CoDeTech says that whenever one coin or currency is swapped for another anywhere in the stack, Ping is where the price is set.

Exchange live; also one of the first payment services connected to CorePay.

  • Log in with CorePass, no password.
  • Says it was the first exchange to offer Core Coin (XCB) and Core Token (CTN).
  • Describes itself as a hybrid exchange with its own built-in system for completing transfers (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 between real users on Ping's order book, not bots or market makers. He has also said one participant follows outside prices for coins like Bitcoin.
  • One of the first payment services connected to CorePay, shown in its launch demo.

SourcesPing Exchange official website (checked 2026-07-24) Ockert Loubser (CEO CoDeTech), AMA, Strike Labs / Binance Square, 2026-06-10 (real market orders, 'no market makers') Ockert Loubser (CEO CoDeTech), AMA, Crypto Astronaut / Binance Live, 2026-06-12 ('there's one market maker' following outside prices) 

Wall Money

Money app Pre-launch

Bank account, card and digital money in one app.

Wall Money is an app that combines a regular bank-style account and payment cards with a wallet for crypto and digital money. 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.

Public release postponed on 29 September 2026, after some bank balances from a service provider showed as zero. No new date yet.

  • Describes itself as a hybrid bank for normal money and crypto, where you keep your own keys (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: you can only add money as USDC on the Polygon network. Incoming bank transfers are not possible yet.
  • First release: virtual card via Google Wallet (Android) only.
  • Not available everywhere: people from Cuba, Iran and North Korea are excluded, and residents of 22 other countries, including the USA, cannot sign up. The regulated partner companies run their own identity checks.

SourcesCore Chronicle: Wall Money Update and Release Announcement, 2026-09-14 Compressed Core Chronicle: Wall Money update, 2026-09-29 (public release postponed) Wall Money website (checked 2026-07-12) Compressed Chronicle 3/3: Wall Money In Action, 2026-07-14 

CorePort

Route planner Pre-launch

Plans the route your money takes.

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 payment route. Most people will use it inside Wall Money without seeing it.

'Will be released soon' (July 2026). In September 2026 a CorePort step was shown inside the Wall Money release version, and CoDeTech said the Wall Money release 'opens CorePort'.

  • CoDeTech's CEO calls it 'the instructor': it takes a start point and an end point and works out the route.
  • Built on the open payto payment scheme instead of a closed standard owned by one company.
  • Inside Wall Money, it decides how a payment travels and completes it, including choosing the currency when you transfer.
  • Also described as covering on-ramp and off-ramp flows (moving between normal money and digital money).

SourcesCore Chronicle: Wall Money Update and Release Announcement, 2026-09-14 (CorePort = routing and settlement) Ockert Loubser (CEO CoDeTech), Core Chronicle script 'The Settlement Rail', 2026-07-25 (not published online) ('CorePort is the instructor', built on payto)Ockert Loubser (CEO CoDeTech), AMA, Crypto Alpha Grid, 2026-07-06 ('will be released soon'; Telegram audio, no public recording)Ockert Loubser (CEO CoDeTech), AMA, Strike Labs / Binance Square, 2026-06-10 (on/off-ramp and settlement flows) 

L4 · MoneySettlement

The digital money, and the rules for where it goes.

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

Payment address Live

Like an email address, but for payments.

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.

The open protocol and the payto.money link builder are public. It is also a payment option inside Wall Money, which isn't public yet.

  • Built on 'payto', an open payment link format published by the IETF as RFC 8905; Core adopted it in its CIP-10 spec.
  • 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, the sender chose PayTo to send USDX to a social media handle.

SourcesPayTo Alliance website (checked 2026-09-07) PayTo:Money website (checked 2026-07-24) Core CIP-10: the PayTo payment link format (IETF RFC 8905) on Core Core Chronicle CC13: Social Identity Payments Are Here, 2026-07-28 

MoneyX

Digital money Testing

Digital dollars and euros. MoneyX says each token is backed 1:1.

MoneyX issues digital versions of normal currencies, such as USDX for US dollars. MoneyX says each token is backed one-to-one by money held in bank accounts and publishes a signed reserve statement every month. A token is created when money is paid in and destroyed when someone cashes out.

Four token types are set up and the first tokens have been created. Not yet usable for everyday payments; public use depends on Wall Money.

  • Four currencies: USD, EUR, CNY and THB (USDX, EURX, CNYX, THBX).
  • MoneyX says each of its STC1 stable tokens is backed 1:1 by money held in bank accounts.
  • According to MoneyX, tokens are created only when real money is paid in, and destroyed when someone cashes out.
  • MoneyX says it publishes a signed reserve statement every month.
  • Only verified businesses can create tokens. They need a business check (KYB) plus reserves of at least USD 100,000, or access through a connected service.
  • In a public demo in July 2026, USDX was sent from Wall Money to a social media handle.

SourcesMoneyX official website: home, minting, transparency (checked 2026-09-04) MoneyX website FAQ (checked 2026-07-30, mint/burn wording) Core Chronicle CC13, 2026-07-28 Ockert Loubser (CEO CoDeTech), X Space 'WM & STC1 updates', 2026-07-26 ('it actually minted') 

L3 · IDIdentity

Proves it is really you, on your own phone.

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

ID app Live

Your ID and your wallet, on your phone.

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 (the secret codes that control your wallet) stay on your phone.

App live on iOS and Android.

  • Free to download for iOS and Android. The ID check itself has a one-off fee.
  • 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 your money 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) has been live since October 2026: a verified business gets a self-custodial wallet, and its members hold permissions and voting rights that decide who approves what.

SourcesCorePass official website (checked 2026-09-09) Ockert Loubser (CEO CoDeTech), X Space with Crypto Infinity, 2026-07-07 ('CorePass … is live with its self-custodial wallet') Core Chronicle #15: CorePass KYB Launch, 2026-10-10 Ockert Loubser (CEO CoDeTech), AMA with Crypto Panda on Binance Live, 2026-06-24 

L2 · NetworkDePIN

Built to get a payment through, even without internet.

Payments that keep moving when the internet is down.

Carries payments from device to device by radio, or as plain text messages, so a payment can reach Core without an internet connection.

Luna Mesh

Mesh radio Building

Devices pass messages to each other, no internet needed.

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.

Official site and demos only. No public app or network you can join yet.

  • No central connection point: every device (node) links to other devices and passes messages on.
  • The Luna Mesh site says adding more nodes makes the network faster, and that new nodes join without interrupting it.
  • 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 (programs on the blockchain) without internet.
  • Data is encrypted with Ed448 and runs on CoDeTech's own protocol.
  • CoDeTech's CEO says it sends on four frequency ranges at once, which he says makes it almost impossible to jam.

SourcesLuna Mesh official website (checked 2026-07-12) Ockert Loubser (CEO CoDeTech), AMA, Crypto Panda / Binance Live, 2026-06-24 (four frequencies, 'a real DePIN') 

TxMS (payments by text message)

Pay by SMS Live

Sends a payment as ordinary text messages.

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.

Live: a public phone number for the main Core network, with its own status page (txms.info). Not built into a released consumer app yet.

  • 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: 'we're able to do offline transactions on chain via SMS'.
  • Wall Money's FAQ lists TxMS as its way to send money offline by SMS or MMS.

SourcesRastislav (CTO CoDeTech) on dev.to: 0G Transmission Service (TxMS), 2024-09-17 TxMS status page (Blockchain Hub): public Core mainnet number, checked 2026-10-23 Wall Money FAQ (TxMS for offline SMS or MMS transfers), checked 2026-09-17 PayTo Alliance website (Offline Transactions solution) Ockert Loubser (CEO CoDeTech), AMA, Strike Labs / Binance Square, 2026-06-10 

L1 · CoreFoundation

The public record book of every payment, run by a decentralized network.

A public record of every transfer, run by a decentralized network instead of one company.

Records and checks every transfer from the layers above, so nobody has to rely on one company to keep the books.

New blocks come from mining (Proof of Work). Ordinary computers can mine.

Core Blockchain

Record book Live

Writes down every payment, for anyone to check.

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.

Main network running since 6 May 2022.

  • The main network went live on 6 May 2022.
  • Open-source network.
  • Uses Ed448 cryptography, which Core describes as 224-bit security.
  • The MoneyX site lists about 7 seconds to confirm a transfer and about 42 to fully verify it (plus about 3 seconds to send it without internet).
  • New blocks are created by mining. Core's method is a form of Proof of Work called PoDE (Proof of Distributed Efficiency), which Core describes as energy-efficient. It uses a CPU algorithm called RandomY, so mining needs no special hardware.
  • 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. CoDeTech's CEO says every transaction on the network needs XCB.

SourcesCore Blockchain official website (checked 2026-10-26) Core Blockchain blog: Web 4.0 founding timeline (2022 mainnet, Proof of Work, 2022) MoneyX website (checked 2026-09-04): 3 s send / 7 s confirm / 42 s verify Ockert Loubser (CEO CoDeTech), AMA, Crypto Panda / Binance Live, 2026-06-24 (XCB needed for every transaction) 

Follow a payment

Three payments, step by step.

Pay an online shop with CorePay

  1. L5Shop asksCorePay

    The shop asks for $5 in Core Token (CTN) and adds a pay button to its website.

    The shop adds a CorePay button to its website, like the usual 'Pay now' button. It contains the price in dollars (here $5), the token it wants (here CTN) and the shop's Core ID.

  2. L1Core looks upCore Blockchain

    Core tells CorePay which exchange takes payments for this shop: Ping Exchange.

    CorePay checks on the blockchain which payment service the shop's Core ID is linked to. In the demo, that was Ping Exchange.

  3. L5Price setPing Exchange

    Ping works out how much Core Token $5 is, fee included.

    You click 'pay' and land on Ping Exchange. Ping works out how much CTN equals $5 at its live rate, fee included.

  4. L3You approveCorePass

    You approve the payment on your phone with CorePass.

    You scan a QR code with CorePass to log in. Then you scan again and sign to approve the payment.

  5. L5PaidCorePay

    The shop gets a signed receipt that the payment went through. Done.

    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, you approve on your phone with CorePass, a payment service such as Ping Exchange carries it out, and the shop gets a signed confirmation. No card network is involved.

SourceCore Chronicle: CorePay Is Live, 2026-06-04 (live demo) 

Get paid on X with your handle

  1. L3Get an IDCorePass

    The receiver adds their Core ID from CorePass to their X profile.

    The receiver has a free CorePass wallet and adds their Core ID to their social profile (X, Mastodon, Threads, PixelFed or another Fediverse platform).

  2. L5Type the handleWall Money

    The sender types the X handle in Wall Money.

    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.

  3. L4Pick the moneyMoneyX

    The sender picks 4.20 USDX, a digital dollar from MoneyX.

    The sender enters an amount (4.20) and picks what to send: USDX, MoneyX's digital US dollar.

  4. L4Pick the routePayTo

    The sender picks PayTo as the way to send it.

    The sender picks PayTo as the payment route.

  5. L3ApproveCorePass

    The sender approves it in CorePass.

    The sender opens CorePass, scans the QR code, checks the payment and signs it.

  6. L1ArrivedCore Blockchain

    Seconds later, the money shows up in the receiver's CorePass.

    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.

SourceCore Chronicle CC13: Social Identity Payments Are Here, 2026-07-28 (live demo with TMMAC) 

Pay without internet

  1. L2SignTxMS

    You sign the payment on your own device.

    You sign a Core transaction on your own device. TxMS turns it into plain text that fits into 2–3 SMS.

  2. L2Text itTxMS

    You send it as 2–3 normal text messages. No mobile data needed.

    You text it to the TxMS number over a basic mobile network. No mobile data is needed.

  3. L1RecordedCore Blockchain

    About 10 seconds later, the payment is on Core.

    The TxMS service puts the transaction on Core. In the guide, it appeared on the blockchain after about 10 seconds. It could be checked on the Blockindex explorer, a website that shows Core's records.

In one sentence

A payment can reach the blockchain as a plain text message. That works on the main Core network today. Luna Mesh is meant to carry the same kind of traffic over radio in the future.

SourceRastislav (CTO CoDeTech) on dev.to: 0G Transmission Service (TxMS), 2024-09-17 

What if…

When something breaks.

The internet goes down in a region: after a storm, in a remote village, or in a cellar with no signal.

Today

No internet, so card terminals and bank apps stop.

Card terminals and normal banking apps stop working, because they need a data connection.

On Core

Send the payment as a text message instead.

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 phone or internet company in the middle.

The SMS route is live today; the radio network is still being built.

SMS route: live on the main network. Mesh route: Building, not public.

SourceRastislav (CTO CoDeTech) on dev.to: 0G Transmission Service (TxMS), 2024-09-17 

A card network goes down, blocks a merchant, or takes its usual cut of every sale.

Today

A card company sits in the middle, can block the shop and takes a cut.

In the normal system, a shop that depends on card payments can't get paid, or loses a percentage of every sale.

On Core

Pay wallet to wallet. No card company in between.

Payments between wallets inside the stack don't use a card network. The customer signs in CorePass, a payment service (e.g. Ping Exchange) carries out the payment, and CorePay confirms it to the shop.

Wall Money's card still uses a card network, and the stack has fees of its own.

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 networks take 2-3% from shops; that is his claim, not a measured figure. The stack charges its own fees too: CoDeTech's CEO names 0.3% for transfers inside the network and 2.5% in, 2.7% out at the bank side, and says the stack is not always cheaper than a bank.

SourceCore Chronicle: CorePay Is Live, 2026-06-04 

A bank transfer is stuck for days: cut-off times, correspondent banks, a public holiday abroad.

Today

A bank transfer is stuck for days.

Money in transit can't be used, and the recipient waits.

On Core

Inside the stack, money moves in seconds.

Inside the stack, money moves in seconds (the MoneyX site lists about 7 seconds to confirm and about 42 to fully verify). Only the final exit into a regular bank account is slow. Wall Money says cashing USDX out to normal money takes 18-72 hours, and blames that on the bank side, not the blockchain.

Cashing out to a normal bank account is still slow.

The stack doesn't fix international banking. It keeps most everyday payments away from it.

SourceCore Chronicle: Wall Money Update and Release Announcement, 2026-09-14 

Who builds it

Apps by CoDeTech. Platforms for businesses by ARAX. XCB for every transaction, says CoDeTech's CEO.

CoDeTech builds apps like CorePass and CorePay; ARAX counts some of them in its ecosystem. CoDeTech's CEO says everything that happens in this ecosystem needs Core's own coin, XCB.

SourceCoDeTech website (checked 2026-07-12)