Traditional financial authorities such as Banks and Governments have always failed when it comes to the trust put in them by masses. In 2008, Lehman Brothers filed for bankruptcy, before which markets were performing well and global economies were booming, until one day suddenly Lehman Brothers fell, the financial system froze, and the world economy almost collapsed. Bitcoin despite claiming to have revolutionized the concept of peer to peer payment by eliminating the role of the intermediary from transactional activities still offers a transparent ledger, and thus, depriving users from the much-needed privacy. It is also evident that due to the huge load and too many transactions happening at a time, Bitcoin has been showing many signs of weakness such as: Sluggishness or more than usual time for transactions (even up to days in some cases), Higher Transaction Fee, Highly dependency on Pool System and Large Organizational Miners. Considering the huge potential crypto market has, and to facilitate the community with a cryptocurrency that is fully encrypted, private and efficient in the truest sense, our team of highly experience fintech specialists have carried out an extensive research and developed a modern age cryptocurrency called PRiVCY Coin. This white paper gives a detailed description of our research and planning. It also aims to demonstrate the current status and future plans of PRiVCY Coin ecosystem, its associated products and solutions such as PRiVCY E-Commerce Plugins, PRiVCY Messenger—A truly decentralized, encrypted and anonymous messenger, and PRiVCY Coin—the payment gateway within PRiVCY Coin ecosystem. It aims to inform our readers how we are using our teams’ expertise to provide decentralized financial services with full privacy at lower costs, minimal fee with higher speed, efficiency, and higher returns.