Wave-induced currents play a critical role in coastal dynamics, influencing sediment transport and shaping bottom topography. Traditionally, long- and cross-shore currents in coastal zones were analyzed independently, often with two-dimensional models for longshore currents and undertow being used. The introduction of quasi-three-dimensional models marked a significant advancement toward a more holistic understanding. Despite recent proposals for fully three-dimensional models, none have achieved widespread acceptance, primarily due to challenges in accurately capturing depth-dependent radiation stress. This paper presents an innovative analytical model advocating for comprehensive three-dimensional approaches in coastal hydrodynamics. The model, based on novel simplification rules, refines relationships governing turbulent stress tensors and provides valuable insights into wave-induced stresses. It offers analytical solutions for both homogeneous and general coastal zones, laying the foundation for future advancements in numerical modeling techniques.