The Accumulate Protocol, also known as Accumulate, is a blockchain that utilizes the Delegated Proof of Stake (DPoS) consensus mechanism. Its primary goal is to enable interoperability with Layer-1 blockchains, integrate with enterprise tech stacks, and interface with the World Wide Web. To address the trilemma of security, scalability, and decentralization, Accumulate implements a chain-of-chains architecture. This architecture treats digital identities, called Accumulate Digital Identifiers (ADIs), as independent blockchains, allowing them to be processed and validated in parallel. ADIs have their own set of keys, tokens, data, and other identities. Users can manage the security of their ADIs over time using a hierarchical set of keys with different priority levels. This flexibility enables the creation of complex signature authorization schemes and enhances the utility of multi-signature transactions. Accumulate operates on a two-token system, which ensures predictable costs for enterprise users. Additionally, all transactions on Accumulate are anchored to Layer-1 blockchains, ensuring enterprise-grade security for all participants.