SwiftCash is a digital store of value, and a peer-to-peer cryptocurrency with a decentralized governance via Masternodes which also enable instant payments. Users can play cheat-proof lotteries that run fully on the blockchain with as little as 0.01 SWIFT or open long-term deposits in the blockchain between 1-12 months, also known as HODL deposits. These deposits can mine up to 80% of the maximum block rewards; 12-month deposits are currently earning 29.91%.