FIO Protocol (FIO Protocol) is committed to becoming the HTTP of the Internet, making the blockchain easier and more convenient. FIO is a delegated proof-of-stake (DPOS) blockchain used as a practical protocol, acting as a wallet, exchange, encrypted payment processor, and various applications (cryptocurrency for processing workflow, data, and transaction confirmation on other blockchains) Application). Specifically, FIO Protocol provides: FIO address: a cross-chain, "human-readable" wallet address, users do not need to view or use complex blockchain public addresses. FIO requests: Decentralized payment requests including invoices, shopping carts, or messages reminding roommates to share the rent, etc., applicable to all blockchains. FIO data: cross-chain similar metadata such as invoices, shopping carts or messages, applicable to any pass/token. The FIO agreement will also support functions such as periodic payments, bill sharing, access to multi-signature request paths, and may even meet the compliance requirements of the "Travel Rule".