The EML Protocol is an end-to-end payment platform that integrates the permissioned private blockchain form of Hyperledger Fabric, which allows only approved users to participate. This platform directly connects users and merchants (platforms), implementing services through blockchain-based smart contracts and coin circulation structures to simplify the consensus algorithm, thus providing a fast and cost-effective payment platform. A separate service provider called the Membership Services Provider (MSP) is responsible for managing approvals and is involved in the processing of transactions within the Fabric framework.