Universal Liquidity is the mechanism powering Universal Accounts’ cross-chain transactions. It allows for the automatic and atomic routing of liquidity across chains on a per-transaction basis—without the need for users to manually bridge, swap, or move tokens between networks. This functionality is built into Particle’s Universal SDK, enabling developers to give users a single, unified balance across all supported chains. The SDK handles everything: sourcing funds, executing cross-chain logic, and coordinating network settlement. For example, if a user wants to transact with a Universal Account on a chain where they don’t hold funds, Universal Liquidity automatically pulls the required tokens from their balances on other chains. The process is invisible to the user, and they can pay gas in any token, on any chain.
Universal LiquidityUniversal Liquidity

Example of cross-chain transaction execution with Particle Network.

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How Is This Possible?

Universal Liquidity is made possible through the Particle Chain’s Modular Nodes and Decentralized Messaging Network. These, alongside Bundler Nodes, allow Universal Liquidity to automate the execution of operations across chains, enabling a universal balance capable of being consumed on any blockchain.