# Introduction

Smoke is a cross-chain credit card protocol that allows users to deposit some collateral on one chain and ***instantly*** spend on 1000+ chains. 

> Never Bridge Again - Sand

It is not a physical card or a Visa digital card, instead it's an on-chain card. Smoke is the Visa on-chain. It will allow for seamless movement of funds just like how Visa revolutionized payments around the world. 

You can get credit *either by building up your credit score or by depositing some collateral*. In the initial versions, we plan to only support collateralised lending across chains. 

<figure><img src="/files/fcyDvswuLzhP8vIOo5EV" alt=""><figcaption></figcaption></figure>

### Jump right in

<table data-view="cards"><thead><tr><th></th><th></th><th data-hidden data-card-cover data-type="files"></th><th data-hidden></th><th data-hidden data-card-target data-type="content-ref"></th></tr></thead><tbody><tr><td><strong>Why Smoke?</strong></td><td>Because spending is hard!</td><td></td><td></td><td><a href="/pages/BoOiqvBbNBJTMI2SvjxJ">/pages/BoOiqvBbNBJTMI2SvjxJ</a></td></tr><tr><td><strong>Deeper Dive</strong></td><td>Learn more about how Smoke works</td><td></td><td></td><td><a href="/pages/CyH2xJQs9yWJ1S8BYNav">/pages/CyH2xJQs9yWJ1S8BYNav</a></td></tr><tr><td><strong>Publish your docs</strong></td><td>Share your docs online</td><td></td><td></td><td><a href="/pages/JjjojIyKxaiBPzzLwvtg">/pages/JjjojIyKxaiBPzzLwvtg</a></td></tr></tbody></table>


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