Accumulate Protocol – The Bridge to the Digital Economy

DeFi is an emerging market whose rapid growth is testament to the widespread adoption of blockchain technology by financial institutions. It is therefore not surprising that more and more blockchain networks are moving into the DeFi space.

However, most protocols focus on building on existing blockchains rather than managing interactions with institutions. However, once a blockchain interacts with regulators and banks, it is forced to rely on validators to input that data into the blockchain.

This is where Accumulate comes into play. Accumulate creates a whole new framework that enables individuals and financial institutions to validate authorship, build a multi-party consensus on the blockchain, and provide an audit trail to become the bridge to the digital economy.

About the Accumulate Protocol

It Accumulate Protocol is an identity-based, delegated Proof-of-Stake blockchain designed to power the digital economy through interoperability with Layer 1 blockchains, integration with enterprise tech stacks, and interfacing with the World Wide Web.

Accumulate circumvents the trilemma of security, scalability and decentralization by building its blockchain completely around Accumulate Digital Identifiers (or ADIs) and by adding a validation to each layer.

Identities are not defined by tokens, but by hierarchies of keys, supporting more complex operations than is possible with the simple and constrained smart contract-based frameworks of other blockchains. Using digital identities as the core of blockchain also provides greater flexibility in key management. It also makes it possible to create independent chains that are processed and validated in parallel through Accumulate’s network.

Combining this with innovative features such as ‘Scratch Space’ for consensus building and ‘Anchoring’ for added security, Accumulate becomes a fast, secure and linearly scalable blockchain purpose-built to power decentralized financial applications. This distinguishes the Accumulate Protocol from various other crypto projects such as Ethereum, Solana and Cardano. The image below shows the difference between the Accumulate network and that of various altcoins.

The Accumulate Network can be recognized by six important features. These are:

  • Low transaction costs – The transaction costs are on average only around $0.025 per transaction.
  • High scalability – Accumulate processes 70,000 transactions per second.
  • Fast settlement – The transaction is settled within 1 second.
  • Cross-chain interoperability – Anchor proof with other layer-1 protocols ensures real world interoperability.
  • On & Off Chain integration – Accumulate offers a layered smart contract model that supports DApps.
  • Identity-based transactions – User-friendly addresses make transactions easier.


The Accumulate Protocol is a multi-chain platform that enables the distribution and validation of its content across an unlimited number of cooperating servers. The architecture, based on identity and subchains, enables the efficient and scalable implementation of integrations that provide financial services, Exchange gateways, Oracles, DeFi services, IOT security and more. Chains are independently verifiable, allowing applications to fine-tune which parts of the Accumulate Protocol they need. Payments are supported by powerful token gateways, unlimited transaction fees and low transaction fees. Paying in tokenized real-world currencies and a range of cryptocurrencies is also supported on the network.

Advanced private key management in Accumulate ensures high security around tokens and the ability to manage that security over time. Powerful multi-signature transactions for tokens and data provide the ability to create managed protocols that enable and disable participants over time without disrupting validation processes and procedures.

Most importantly, Accumulate is built to evolve over time to integrate best-in-class mechanisms for distributing transactions, proofs of validation, information between applications and users.

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