FIO Protocol (FIO) is a decentralized, open-source usability solution that simplifies cryptocurrency transactions by replacing complex wallet addresses with a single, customizable, and human-readable Crypto Handle in the format of username@domain. FIO Crypto Handles can be used for various cryptocurrency transactions, making it as easy as sending an email. FIO Protocol aims to enhance the usability of cryptocurrency across different tokens and coins by eliminating human errors associated with long-string wallet addresses on various blockchains. It integrates with decentralized applications and has a partner ecosystem of over 75 wallets, exchanges, marketplaces, payment processors, and gaming platforms. FIO ($FIO) is the native utility token used for transaction fees and governance on FIO Protocol's native DPoS blockchain, FIO Chain. Wrapped FIO ($WFIO) is a tokenized version of the native FIO token that operates on the Ethereum blockchain, allowing users to transfer liquidity between the FIO and ETH networks. FIO Crypto Handles are human-readable wallet names that can be mapped to multiple public wallet addresses, replacing the need for public addresses in cryptocurrency transactions. FIO Domains enable users to customize their FIO Crypto Handles with unique @domain endings. FIO Requests allow users to initiate cryptocurrency payment requests using FIO Crypto Handles, similar to PayPal and Venmo requests. FIO Data is transaction metadata that supports decentralized commerce by securely storing transaction information on-chain.