The document presents 'Frodo', a secure off-line micro-payment solution designed to protect against point of sale (POS) data breaches, which are prevalent forms of cybercrime. Frodo allows for fully off-line payments while ensuring resilience against known vulnerabilities by utilizing a unique architecture that combines identity and coin elements to enhance security. The paper provides a thorough analysis of Frodo's architecture, protocols, and security properties, highlighting its potential effectiveness in the evolving landscape of mobile payments.