As a result of the vast Internet growth, a multi-homing technology is being extensively utilized to keep a connectivity to important networks. However, the traditional multi-homing architecture severely impacts routing performance of the Internet making it non-scalable. Furthermore, although it can enhance a reachability in case of connectivity anomalies, it can not be used to enhance an utilization because it can not assign in-coming traffic to multiple links. In this paper, we propose a new multi-homing architecture which is based on the overlay networking model, providing solutions to these problems. Our architecture improves scalability for increasing multi-homing users and realizes a dynamic and .exible line selection for in-coming traffic, while retaining the original advantage of the multi-homing scheme, which is continuous connectivity to the Internet. Of course, our proposed architecture can be applied not only to IPv4 networks but also to IPv6 networks.