THAT (THAT) is a cryptocurrency purpose-built for real-world payments, designed to function as digital cash rather than a speculative asset. It addresses one of the biggest challenges in crypto today: making it actually spendable.
Unlike traditional payment systems that come with 2–3% transaction fees, chargebacks, and slow settlement times, THAT offers instant, irreversible, and low-cost transactions. It empowers both users and businesses to exchange value with ease—no banks, no cards, and no middlemen.
THAT’s core mission is to bridge crypto and commerce, allowing consumers to pay at participating merchants just as they would with fiat—only faster, cheaper, and more secure. Unique features include a user-friendly app interface, global accessibility, and seamless merchant integrations through QR codes or APIs.
THAT is deployed on a high-throughput blockchain, likely an EVM-compatible Layer 2, although the specific chain is not publicly disclosed. The design focuses on speed, finality, and low transaction costs—ideal for daily payment scenarios.
Users interact with THAT through a mobile app or crypto wallet, making payments by scanning QR codes or clicking merchant links. Merchants benefit from lower processing fees and exposure to a crypto-savvy customer base, without needing to manage complicated blockchain infrastructure.
Though no whitepaper is currently published, THAT’s documentation is shared through its blog and community updates.
THAT is designed with real-world adoption in mind, and its use cases reflect that vision.
Businesses can accept THAT as a cash-like alternative with faster settlement and lower costs than traditional card processors. There are no chargebacks, and crypto-native customers are more likely to support merchants accepting THAT.
Users can send and receive THAT instantly, making it ideal for borderless transfers, informal payments, and social sharing. No bank account? No problem.
By removing the intermediaries and high fees common in remittance platforms, THAT can offer low-cost international transfers settled in seconds.
Though not yet widely implemented, THAT could support staking rewards, merchant loyalty integrations, or be used as collateral in crypto finance ecosystems.
THAT was launched in 2024 to solve crypto’s most persistent issue—usability in the real world. Despite over a decade of growth, most cryptocurrencies remain impractical for everyday purchases. THAT was created to change that narrative.
The founding team remains relatively low-profile, instead promoting a mission-driven message focused on payments innovation, crypto adoption, and merchant empowerment.
Unlike many projects that rely on speculation, THAT is committed to building a crypto economy rooted in utility—not hype. With a strong foundation, increasing adoption, and continued development, THAT is on its way to becoming “the crypto you actually spend.”