Glenbrook Research Note: Peppercoin V2.0

Peppercoin 2.0 extends the notion of transaction aggregation into both the physical world of small point-of-sale payments as well as across multiple merchants. Through this new “universal aggregation” capability, Peppercoin plans to aggregate individual consumer purchases at multiple merchants into a single card transaction.

By doing this aggregation, the per-transaction fees that would otherwise be paid on each purchase are reduced—with the resulting savings shared between Peppercoin and merchants participating in the Peppercoin network.

This research note analyzes how Peppercoin 2.0 actually works, explores its new value proposition, and offers an initial assessment of its potential strengths and weaknesses.