A system includes a hardware processor that executes a software code to receive an authorization request on behalf of a user for a stacked resource including resources offered separately by multiple resource providers, determine resource provider computers associated with the stacked resource, and send a look-up request including an electronic identity of the user to those computers, where the electronic identity is used as a look-up key for determining user attribute(s) of the user. The software code further receives the user attribute(s) from the resource provider computers, generates an accumulated access profile of the user based on the user attribute(s), applies the profile to a rules engine to determine a stacked access result, and routes the authorization request and the stacked access result to one of the resource provider computers, where that computer completes an authorization process for access to the stacked resource based on the stacked access result.