Across Protocol has become the standard for intent-based cross-chain transfers. Over $35B in bridge volume, sub-minute fill times, and a relayer network that settles before source chains finalize. The infrastructure works. The challenge is taking that infrastructure and making it invisible, turning a bridge into deposit rails for a banking product where users never think about chains.
That is the engineering problem Liquid Banking solves.
The Architecture
Liquid Banking runs Across as its cross-chain deposit layer across seven EVM networks: Arbitrum, Base, Ethereum, Optimism, Polygon, Avalanche, and BNB Chain, all routing into HyperEVM.
The integration goes deeper than a standard bridge call. Every deposit request includes embedded cross-chain actions sent to Across's MulticallHandler contract on HyperEVM. When a relayer fills the bridge request, the MulticallHandler executes two operations atomically on the destination chain: approve USDC for the vault contract, then deposit into the vault on behalf of the user's Liquid Bank account.
Funds don't land in a wallet and wait for a second transaction. They are bridged and deposited in a single atomic operation. One source-chain transaction results in funds sitting in the user's Liquid Bank, ready to spend, save, or trade.
Any Token, Any Chain
Users are not limited to USDC. Across's swap-and-bridge feature lets Liquid Banking accept any supported token from any source chain. Hold ETH on Arbitrum? USDT on Polygon? DAI on Base? Select the token, enter an amount, and the system handles the rest. Across swaps the token to USDC on the source chain and bridges it to HyperEVM, where the MulticallHandler deposits it into the vault.
No manual swaps. No intermediate token holdings. No second transaction on the destination chain. The user picks a token and an amount. Everything between that click and funds appearing in their Liquid Bank is abstracted.
Speed Through Intents
Traditional bridges require users to wait for source-chain finality before funds are released on the destination, often minutes to hours depending on the chain. Across inverts this with an intent-based model: relayers on the destination chain fill bridge requests immediately using their own capital, then settle with the source chain asynchronously.
For Liquid Banking, this means deposits from any of the seven supported chains arrive in sub-minute timeframes. A user bridging USDC from Ethereum doesn't wait for 12 minutes of L1 finality. The relayer fills the request on HyperEVM, the MulticallHandler executes the vault deposit, and the balance is live.
One-Click Smart Account Deposits
For users with Liquid Bank smart accounts, the experience compresses further. The approval transaction and the bridge transaction are batched into a single UserOperation through account abstraction. One signature, no gas on the source chain, no chain switching in the wallet.
Select a chain. Enter an amount. One click. Funds arrive in the Liquid Bank.
What This Means for Users
Deposit from seven chains with any token. Funds land in your Liquid Bank ready to spend, trade, or earn yield. The bridge is invisible. Across provides the cross-chain settlement infrastructure. Liquid Banking turns it into seamless, borderless deposit rails where the complexity lives entirely under the hood.