Social payment directory transforming social media usernames into cross-chain, cross-currency payment handles. Users receive payments via Instagram, X, Telegram, WhatsApp, Gmail handles without sharing bank details or crypto addresses. Payment routing system supports card payments (Apple Pay), stablecoins, crypto assets across Polygon, Ethereum, Avalanche, Base, BNB Chain, Soneium, Canton Network. Auto-conversion between currencies; senders pay any method, recipients receive preferred currency.