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0xPass: A Secure Protocol for Universal Cross-Chain Accounts

This paper introduces 0xPass, a modular protocol architecture that enables secure, universal cross-chain accounts by separating request orchestration, transaction solving, and signing into interoperable layers with threshold signatures, while outlining a staged deployment path to progressively eliminate centralized trust and preserve user control.

Original authors: Bernardo David, Keon Kim, Krish Chelikavada

Published 2026-08-20
📖 5 min read🧠 Deep dive

Original authors: Bernardo David, Keon Kim, Krish Chelikavada

Original paper licensed under CC BY 4.0 (http://creativecommons.org/licenses/by/4.0/). This is an AI-generated explanation of the paper below. It is not written or endorsed by the authors. For technical accuracy, refer to the original paper. Read full disclaimer

In the digital world of cryptocurrency, a user's assets are often scattered across many different networks, each with its own rules and keys. To move money from one network to another, a person usually has to navigate a complex series of steps, logging into different systems and signing separate transactions for every single move. This fragmentation makes using digital money difficult and risky, as a mistake in one step can lead to lost funds. The core challenge for researchers in this field is to create a system that allows a single person to control all their assets across these different networks as if they were in one place, without sacrificing the security that keeps those assets safe. Security in this context relies on the idea that no single computer should ever hold the complete key to a user's money; instead, the power to sign transactions is split among many computers, so that a hacker would need to break into many of them at once to cause harm.

A team of researchers has proposed a new system called 0xPass, designed to solve this problem by creating a universal account that works across multiple cryptocurrency ecosystems. The system is built like a three-story building, where each floor handles a specific part of the job. The top floor, called the Orchestrator, acts as the receptionist. It checks who the user is, verifies their identity, and listens to their requests. When a user wants to move money or swap assets, they tell the Orchestrator what they want to do. The middle floor, the Solver, acts as the planner. It takes the user's request and figures out the exact chain of steps needed to make it happen, often involving moves across different blockchains and bridges. The bottom floor, the Transaction layer, is the worker. It actually signs the digital papers that move the money, but it does so using a special method where the signing power is shared among many computers, ensuring that no single machine ever holds the full secret key.

The researchers designed this system to be modular, meaning new features can be added to any floor without tearing down the whole building. In the beginning, the entire system will be run by a single organization to ensure it works smoothly. Later, the plan is to open it up so that outside groups can run their own parts of the system. This transition happens in two stages. First, trusted outside groups will be allowed to join after being carefully checked and signing legal agreements. In the final stage, any group can join automatically by locking up a certain amount of digital money as a guarantee. If they act dishonestly or their software fails, this locked money is used to pay back the users who lost out. This structure allows the network to grow and become more secure over time, as more independent groups help run the system.

A critical part of the design is how it handles the user's identity and the keys needed to sign transactions. When a user first joins, they create a universal account and register their identity, often using existing secure login methods. They also generate a special signing key that stays on their own device. To move money, the user must prove who they are to the top floor of the system. Once verified, the system asks the user to sign a specific request. To make this process faster and less annoying for the user, the system allows for a delegation method. The user can give a temporary, limited permission to the planning floor to sign a specific sequence of transactions on their behalf. This permission is strict: it only allows the system to sign the exact chain of moves needed for that one request, and it expires immediately after the job is done. This ensures that even if the planning computers are compromised, they cannot steal the user's money because they only have the power to sign what the user explicitly authorized for that specific moment.

To protect against the loss of these vital keys, the system includes a safety net. If a user loses their device or their password, they can recover their account. The researchers suggest splitting the secret key into pieces and storing them in different secure locations, including on the network itself in a special sub-layer dedicated to key management. To get the pieces back, the user must prove their identity and provide a password. This means that even if a hacker steals one piece of the key, they cannot use it without the password, and even if they get the password, they cannot use it without the pieces. As the network evolves, these key pieces can be stored across many different independent groups, so that if one group goes offline, the user can still retrieve their key from another.

The researchers acknowledge that this system is currently in the planning and early development stages. The first phase involves building the basic version of the system under central control to test how the different layers talk to each other. The subsequent phases of opening the network to outside groups are planned but not yet fully realized. The authors propose that by using this layered approach, combined with strict identity checks and shared signing power, it is possible to create a seamless way for people to manage their digital assets across the entire cryptocurrency world without needing to trust a single central authority with their money. The goal is to make the complex machinery of cross-chain transfers invisible to the user, leaving them with a single, secure account that works everywhere.

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