GRAFT bills itself as a blockchain based payment processing network that functions similarly to a credit card processing network with off-chain authorizations and in-network atomic swap based interchanges. GRAFT aims to democratize existing payment networks and become a ubiquitous alternative payment network alongside traditional choices like Visa and Mastercard. The network is reportedly decentralized and able to work across borders and regulatory environments. With respect to Point-of-Sale cryptocurrencies, the project claims to address privacy, speed, fees, and integration. The GRAFT blockchain is a dual-layer (Proof-of-Work and Proof-of-Stake) blockchain with proof-of-stake based authorizations and service broker architecture.