Tera is a decentralized application platform. This is akin to an operating system. Tera consists of a repository of programs and data storage integrated into the Internet. The mechanism for publishing programs and data on this platform is free from censorship. The circulatory system is the blockchain.
ZumCoin- Simplified Private Digital Currency- is a robust blockchain technology designed to provide decentralized cross-border payments; faster, cheaper, and secure. It is an open-source project; being developed by a diverse team of technically competent individuals who are well-versed in distributed ledger technologies, cryptography, and economics. The project is aimed to develop a multi-layer robust blockchain ecosystem that is founded on three basic tenets: PRIVACY — FREEDOM — EQUALITY