The principle behind T.OS is the establishment of a commercial payment system that utilizes digital currency. This will be the first such system in the history of the world. The solution comprises two coins. The TOS coin, or TOSC, is a regular cryptocurrency coin, which is not used for commerce, but can be exchanged on regular exchanges to any other digital currency. Its value may appreciate or depreciate and that is why it can't be used for commerce.
CRYPTO20 is an autonomous crypto-only index fund that tracks the top 20 cryptocurrencies in the same way the S&P500 tracks the top 500 US company stocks. C20 is the fund’s token, and represents an investor’s share in the fund. Token-holders are able to liquidate the C20 token for their share of the underlying assets via the smart contract.