> For the complete documentation index, see [llms.txt](https://snowball-mns.gitbook.io/snowball/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://snowball-mns.gitbook.io/snowball/introduction/solution-overview.md).

# Solution Overview

Snowball Labs provides **provisioned on-chain account infrastructure** for stablecoin issuers, RWA platforms, exchanges, and centralized and decentralized fintechs. Each end user is issued a username-based account that works across chains, enabling safe payments, messaging, and settlement without exposing raw wallet addresses.

Snowball’s platform consists of four core components:

• [**MNS (Modular Naming Service)**](https://www.modular.name)**:** Chain-agnostic account and username infrastructure interoperable across ecosystems. 

•[ **CIP (Cross-Identity Payments)**](https://www.snowball.money/cross-identity-payments)**:** A programmable, cross-chain payments and messaging layer that routes funds between accounts, abstracting away bridge and network complexity.

• [**ORS (On-chain Risk Signals)**](https://www.modular.name/reputation)**:** A Moody’s-style attribution and risk intelligence layer aggregating cross-chain behavior for compliance, limits, and trust.

•[ **Snowball Wallet (Smart DeFi Wallet)**](https://www.snowball.money/smart-crypto-investing)**:** A mobile-first wallet with native MNS and CIP integration, available on iOS and Android.

Snowball is **API-first** and integrates directly with centralized and DeFi wallets, exchanges, and enterprise technology stacks.

Snowball is building the **account, settlement, and risk rails** for on-chain finance, the missing infrastructure layer between blockchains and regulated financial products.