A communications platform having an XML based message-processing platform that enables users to receive electronic messages. The processing platform may include at least one server that receives an electronic message addressed to the platform, wherein the electronic message includes a routing indicator including at least one user identity and one or more message attributes. The one or more message attributes may include “folios” which include information folios that at least one of intelligently store, display and synthesize “incoming” electronic messages. The platform further includes at least one database that stores a user-defined endpoint table, the endpoint table correlating endpoints with sender defined message attributes. In this embodiment, the platform may include a sender stylesheet and an electronic message stylesheet.