COTI is a fundamentally strong coin that is currently 79% down from its ATH. Being a part of Cardano's Critical Infrastructure, COTI aims to be the payment system for the unbanked. With ADA Pay integration with Wolfram's NFT, incoming bank accounts, and since the token's generated within Cardano would have the same properties as ADA, it's not only ADA Pay that is possible.
FYI, COTI is typically correlated with ADA, and ADA recovers pretty fast as soon as the bull market starts.