Reltime.com is a startup that operates in the financial technology sector, specifically focusing on the emerging Web 3.0 ecosystem. The company provides a platform that enables businesses to build their own financial applications using blockchain technology, a type of digital ledger that records transactions across many computers so that the record cannot be altered retroactively.

Reltime's services are aimed at businesses looking to leverage the benefits of blockchain technology, particularly in the financial sector. The company offers a range of services including peer-to-peer transactions, joint accounts, lending and borrowing, and swapping and bridging. These services are offered with or without collateral and interest, providing flexibility for businesses.

The company operates on a Proof of Authority (PoA) model, a type of consensus algorithm in blockchain networks where transactions and blocks are validated by approved accounts, known as validators. This model allows for high return on investment with zero transaction fees.

Reltime also provides a fast-track to Web3, a term that refers to the next generation of internet services that will be decentralized and powered by blockchain technology. The company offers a three-week program to help businesses transition to this new technology.

Reltime's business model is based on providing these services to businesses, presumably charging for the use of their platform and the services they provide. The company also offers consulting services to help businesses understand and implement blockchain technology.

In summary, Reltime is a financial technology startup that provides a platform for businesses to build their own financial applications using blockchain technology. The company operates in the emerging Web 3.0 ecosystem and offers a range of services including peer-to-peer transactions, joint accounts, lending and borrowing, and swapping and bridging.

Keywords: Blockchain, Financial Technology, Web 3.0, Proof of Authority, Peer-to-Peer Transactions, Joint Accounts, Lending and Borrowing, Swapping and Bridging, Consulting Services, Fast-Track to Web3.