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.
Delphy is a mobile platform for prediction markets built on Ethereum as a DApp. In fact, it is a light Ethereum client running on mobile devices. Its born decentralization ensures that prediction markets are hard to manipulate or shut down, and there is no need to trust one single entity.