As Web3 grows, one truth is becoming painfully clear: money moves fast, but identities don’t.

Fixing the Friction of Payments in a Multi-Chain World

Every day, millions of crypto users send, receive, stake, and swap assets across dozens of wallets, chains, and protocols. Yet, despite all the innovation, a straightforward action — sending crypto to the right person on the proper chain — still feels broken.

That’s the problem CIP (Cross-Identity Payments) was built to solve.

The Core Problem: Fragmented Identities in a Multi-Chain World

The Web3 ecosystem wasn’t designed with human simplicity in mind.
Today, a single user might juggle:

  • 6–9 active wallets across different chains

  • Separate names on chains powered by different naming service providers like ENS, SNS, Space ID, Unstoppable Domains, and others that don’t interconnect

  • Different balances, tokens, and dApps on isolated ecosystems

This creates a web of confusion and friction, a problem that compounds every time a new Layer 1 or Layer 2 emerges.

Even the most experienced users double-check addresses, bridge assets, or re-enter data multiple times just to ensure a payment goes through correctly. And one wrong step — one misplaced 0x address can lead to irreversible loss.

According to Chainalysis, over $4.6 billion was lost to misdirected transfers and scams in 2024 alone. Most of these errors stem from a lack of identity context in the payment process. Along with it, Millions are lost each year acquiring the same username over at new chains.

The Cost of an Identity Gap

Without a unified identity layer:

  • Funds are lost. Sending assets to the wrong address or chain remains one of crypto’s most significant pain points.

  • Reputation is non-transferable. A user trusted on Ethereum is a stranger on Polygon or Sui.

  • Interoperability breaks down. Each protocol becomes an island with its own naming standard, forcing users to bridge the gaps manually.

  • Adoption slows. The average person shouldn’t have to copy, paste, and hope for the best every time they transact.

This isn’t just an inconvenience; it’s a fundamental barrier to mainstream adoption.

The Solution: Cross-Identity Payments (CIP)

CIP introduces a universal routing protocol for identities and payments.
 It connects wallets, naming systems, and blockchains into one seamless fabric of interoperable identity.

With CIP, users can:

  • Send crypto by Web3 names, not by address.
     Send to @alex or any ENS, SNS, or SpaceID handle, CIP automatically routes it to the right wallet and chain.
  • Request assets safely.
     Generate payment links that verify sender identity and network before funds move.
  • Eliminate human error.
     No more lost transfers, CIP validates and re-routes to the correct chain when needed.
  • Pay across systems.
     From MNS to ENS to Unstoppable Domains, CIP ensures all identity namespaces can transact with each other.
  • Reduce friction and fees.
     By auto-selecting the most efficient transaction route (bridge, swap, or direct transfer), CIP optimizes every payment under the hood.

Why It Matters: From Chaos to Cohesion

As identity becomes the next layer of blockchain infrastructure, CIP transforms fragmented systems into an interoperable identity network.

It’s not just about moving tokens, it’s about moving trust.

With CIP, your identity becomes your passport for transactions across any chain.
Developers gain a universal payment API.
Users gain safety, simplicity, and speed.
And the entire Web3 ecosystem gains the missing layer it’s been waiting for.

The Bottom Line

CIP addresses the fundamental issue in crypto payments: the lack of identity coherence.

By connecting every name, wallet, and chain, it builds a world where:

  • Transfers are human, not hexadecimal.

  • Trust is portable, not chain-bound.

  • Payments are identity-first, not address-based.

Cross-Identity Payments (CIP) isn’t just a protocol; it’s a foundation for the next era of decentralized identity and finance.

Join the Beta Waitlist → cip.snowball.money.
Read more → snowball.money/blog

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