Transactionless Payments

Tectum’s innovative use of its in built Bitcoin node and its overlay network functionality means that it can facilitate fully on chain transfers of BTC with fees as low as $0.06, and have the transaction published to the native BTC mempool within 1/8th of a second. This efficiency is achieved even without its Softnote functionality which reduces transfer costs to zero and makes finality virtually instant! In order to give BTC the scalability required to act as a global cash system, Softnotes are required and have many advantages over traditional layer two systems such as the Lightning Network.

SoftNotes make it possible to implement “cash money” speed and anonymity to BTC through isolating a sender from recipient by replacing a “transaction” with the “handover” procedure. The Softnote can be sent from within the Tectum wallet, sent via email or chat or even printed onto paper. Once it is handed over the system will generate a new pin code for the owner cryptographically securing their ownership.

SoftNote is the flagship product of Tectum and is positioned as the first transactionless payment system boasting truly instant payment capabilities and zero-fee policy for an end user, transactionless means that no transaction actually takes place on native network.

The implementation will start with the emission of a number of SoftNote Bills assigned with serial numbers, denominations and security measures using Bitcoin and USDT as a Store of Value, with the following release of this emission into circulation within selected region(s) in Summer 2022. The Bills will be accessible to purchase and payments though Tectum web Wallet and mobile App.


SoftNotes are a FinTech product that sits on blockchain rails that facilitate a frictionless transport of value. Get the Pitch Deck & learn how this innovative new technology facilitates the digital currency environment of the future.



SoftNotes are a FinTech product that sits on blockchain rails that facilitate a frictionless transport of value. Get the Pitch Deck & learn how this innovative new technology facilitates the digital currency environment of the future.

SoftNote bills carry the value within themselves, and their blockchain underpinnings unlock the freedom to conduct borderless remittances in true peer-to-peer manner. Since Softnotes deal with digital values, managing fees and transaction records becomes a technological rather than a logistical task, where the blockchain becomes the point of trust between intermediaries

SoftNotes can only be minted using Tectum Softnote platform and Tectum’s in built Bitcoin node helps the system automatically assign and lock liquidity into a Softnote’s underlying Bitcoin address.


  • Absolute Anonymity: SoftNote is more anonymous than Bitcoin wallet because BTC transaction can’t be traced by public address. The payment is not registered in the native network ledger while the balance is handed over.
  • Zero-Commission Payments: Commissions are only paid by retailers if the Softnote is recieved in a point of sale context. Commission is approximately half that of credit cards.
  • Instant Payment Processing: Payment is deemed received as fast as the receiving party able to verify and unlock the SoftNote. The Superconductive Digital Environment eliminates feeds & delays and tends towards zero transaction costs and infinite terminal performance (transaction speed).
  • Network Independence & Isolation: Softnote features technological isolation from traditional banking and crypto systems. Payment Handover allows to fully protect participants from native networks’ performance issues, where payments can be handed over personally in device-to-device mode or sent through any network capable to transfer picture format files. A SoftNote user only needs a “proof of balance”, which can easily be conducted by verifying the SoftNote balance via native (BTC) Explorer.
  • Internet Independence: Paying party can use physical format, paper printed SoftNote bill and conduct payment without using electronic device or internet as long as a recipient in connected to Tectum network.
  • Cash Money Property: SoftNote can be handed over in a paper form and received by another party as long as they are connected the internet.
  • Excellent Security: Softnote pin codes cryptographically secure your Softnote ownership.
  • Robust & maturity technical framework: built on our proprietary and copyrighted intellectual property.
  • Denominated Bills: SoftNote bills are denominated according to globally accepted standards: $1, $5, $10, $20 etc. SoftNotes can be printed in paper format and transported without any geographical boundaries.
  • “Handover” instead of “Transfer”: A store of value balance is easily verified by checking network and BTC explorer, while the handover is invisible on chain.
  • Microtransaction-Friendly: Zero-fee policy and instant finality makes microtransactions possible.
  • Reverses the “Transaction Fee” Paradigm: SoftNotes means no fees for senders, with retailers will be charged a modest fee under 1% applicable to all incoming transactions.