A system and method of aggregating and integrating authentication and/or authorization protocols of a user or a user's information across a wide range of related or nonrelated channels and exchange services. An interface is provided that allows multi-credential, multi-service, multi-role, and multi-channel based routing to multiple authorization and authentication providers in a secure system. Using a standardized language, the system creates a framework to enable entities to communicate and perform transactions instantly or nearly instantly, and seamlessly. The systems supports trusted and untrusted connections as well as multiple levels of encryption.