> For the complete documentation index, see [llms.txt](https://smoke-protocol.gitbook.io/smokeonchain/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://smoke-protocol.gitbook.io/smokeonchain/readme.md).

# 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="https://1503881232-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FLvnV17kmFqCozhUNKTbn%2Fuploads%2FjjgYaRpnstzLmJSc7bfY%2FPasted%20image%2020240927115226.png?alt=media&amp;token=70e5e405-0e15-4598-afb1-6165545cadd9" 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="/smokeonchain/why-smoke.md">Why Smoke?</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="/smokeonchain/how-does-it-work/quickstart.md">Deeper Dive</a></td></tr><tr><td><strong>Publish your docs</strong></td><td>Share your docs online</td><td></td><td></td><td><a href="broken://pages/JjjojIyKxaiBPzzLwvtg">Broken link</a></td></tr></tbody></table>