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Such an effect (smooth over raised surfaces) would normally be done using a shader that can handle a clearcoat. This is the PBR Coated with inherit normal from base set to False
If the 3D application in which you will use the material does not have such a shader then you may need to model a larger second surface with transparency and a smooth surface reflection
You could try something like this using cells, warp, edge detect and flood fill to give the different levels of cracking.
Thank you for your reply. This crack looks smooth on the surface, but it has a cracked bump effect. This is really difficult.