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): Chain-agnostic account and username infrastructure interoperable across ecosystems.

• CIP (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): A Moody’s-style attribution and risk intelligence layer aggregating cross-chain behavior for compliance, limits, and trust.

• Snowball Wallet (Smart DeFi Wallet): 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.