Abstract: Systems and methods are described for universal payment messaging that includes receiving an on-chain blockchain demand message, which may be in the form of a payment request, pending payment authorization, cleared payment authorization, or identity request. Processors of the demand message can communicate with user-affiliated payment applications over a universal blockchain ledger. This may be achieved by embedding an identity value for a user or business entity by storing a reference to that entity value in an on-chain smart contract. The blockchain server may also store a claim against that identity value by an identity service provider, in addition to a claim by a payment service provider or money service business that is attested to the immutable cryptographic blockchain. The messaging may be stored remotely without handling customer data, and the demand message may be authenticated by the payment service provider to the user with a payment application.