Request For Project: Standardized Wallet Protocol

The current state of the web3 world is such that:

Your browser has a wallet (Metamask).
Your mobile browser has a wallet (Toshi).
Your finance apps all have wallets (Coinbase, Robinhood, Square Cash).
And all of these wallets need to be separately topped up,
Which is kind of like having a different metro card for every line of the NYC subway.

And so my Request for Project is for a unifying wallet protocol.
That encompasses tokens and collectibles, as well as identity and account recovery.

So that if you buy a cryptokitty on your laptop, you can use it right away to play games on your phone.
And if you buy some ETH on Coinbase and then login to Square Cash, your ETH would be there.

Quite eager for this to exist.