Comparison with other digital asset payment systems

	PingMe	Others
Self-custody	✅	✅
Trustless smart contract	✅	✅
No upfront wallet requirement	✅	❌
Email/SMS + secret-based identity	✅	❌
Privacy-preserving	✅	❌
Forward secrecy	✅	❌
Pseudonymous balances	✅	❌
Minimal metadata on-chain	✅	❌
2FA / Non-Repudiation	✅	❌
KYC	Not required	Required
Payment reclaim based on lockbox duration	✅	❌