A retail-grade remittance routed through Gopnik's lock-and-mint bridge. Funds settle in 11 seconds on the XRPL side, attestor quorum re-issues on Solana, grandma's phone buzzes. No exchange. No fee surprises.
11.2send-to-end
3 / 5attestor quorum
8 bpsFX spread
R$ 286.74grandma receives
01 / 07
· Intent
One tap. Berlin to São Paulo.
Sasha is in Berlin. Her grandmother Maria lives 9,800 km away in São Paulo. The wallet remembers Maria as a recurring recipient and offers a single-tap send.
Under the hood: Recipient resolved from WalletContact; an XLS-71d intent tag is staged in the memo. No funds move yet — this is the framing scene.
02 / 07
· Open
She sees what grandma gets — before signing.
€50 in. R$ 286.74 out. Quote locked for 90 seconds. Fees: 0.0001 XRP + 8 bps — vs 6–8% at Western Union.
Under the hood: Quote is the best of an XRPL DEX path-find and an Orca route on Solana. Slippage guard at 30 bps. Lock expires automatically if she waits too long.
03 / 07
· Sign
One look. The wallet signs locally.
The payload is shown in plain English first: “Lock 87.42 XRP for Maria.” Sasha glances at the camera. The private key never leaves the device.
Under the hood: Secp256k1 signature on a fully-rendered XRPL EscrowCreate. Escrow condition (A0258020…) means only the bridge contract can release.
04 / 07
· Settle
Locked in 3.7 seconds.
The XRPL closes its next ledger. 87.42 XRP is publicly locked — only the bridge vault can release it, and only to Maria's destination.
Under the hood: XLS-39d condition hash. Receipt is publicly verifiable on XRPL ledger 85,142,099. If the next step (quorum) fails within 90 s, the escrow auto-refunds.
05 / 07
· Quorum
5 watchers. 3 must agree.
Think of it like a board of 5 independent notaries sitting in different countries. Each watches the XRPL deposit. As soon as any 3 stamp it, the bridge is authorised to mint wXRP on Solana.
Under the hood: Ed25519 over hash(xrpl_tx) ‖ sol_dst. Threshold (3 / 5) is hardcoded on the Solana program. Diverse jurisdictions make collusion regulatorily expensive.
06 / 07
· Mint
Solana mints 87.42 wXRP, 1-to-1.
The approval lands on Solana. The bridge program calls mint_to and wXRP appears directly in Maria's wallet — same value, different chain. No exchange in the middle.
Under the hood: Mint authority is a PDA controlled only by the bridge program. The amount equals the locked XRP, minus rent. The receiver address is decoded from the original XRPL memo.
07 / 07
· Done
11.2 seconds. Vovó is paid.
Maria's phone buzzes in São Paulo. The notification shows R$ 286.74 and Sasha's message. Spendable immediately — pay the pharmacy, off-ramp via PIX, or hold as wXRP.
Under the hood: Solana program log fires a push webhook. wXRP balance is convertible to BRL at any local on-ramp partner via XLS-71d intent or PIX off-ramp.
Intent
·
01 / 07
Why this matters
$700B in annual remittances
World Bank estimates personal remittances at ~$700B/year. The corridor that matters most to a sender rarely has a fast, cheap rail.
11.2s end-to-end
Wallet-to-wallet from Berlin to São Paulo. Comparable rails today: 1–3 business days.
vs 1–3 days
3-of-5 in 5 jurisdictions
DE/SG/BR/CH/US. Compromising the bridge requires breaking three independent licensed entities at once.
Quoted price = received price
Quote is locked for 90 seconds and binding. Fees are shown up-front: 0.0001 XRP + 8 bps spread.
0.0001 XRP + 8 bps
New to bridges? Skim the glossary —
Glossary
Bridge
A way to use the same money on two blockchains without ever giving it up.
Gopnik's bridge locks XRP in a public XRPL escrow and a Solana program mints an equivalent wXRP token to the recipient. Funds can be returned at any time.
Escrow
Money held publicly on the XRPL until release conditions are met.
An XLS-39d-style condition hash gates the release. Only the bridge vault can satisfy it, and only with a valid 3-of-5 attestor packet.
Attestor
One of 5 independent, licensed watchers who confirm the XRPL deposit before Solana mints.
Each attestor is a separate legal entity in a different jurisdiction (DE, SG, BR, CH, US). Signatures are Ed25519 over hash(xrpl_tx) ‖ destination.
Quorum
The minimum number of watchers required to authorise the release — 3 of 5.
3-of-5 tolerates 2 outages without losing liveness, and 2 compromised keys without losing safety. Threshold is hardcoded into the Solana program.
wXRP
Wrapped XRP: a Solana SPL token that mirrors XRP 1-to-1.
Minted by the bridge program when the quorum lands; burned when the user wants to bridge back to native XRP.
Slippage
The gap between the price you saw and the price you got.
We freeze the FX quote for 90 seconds; signing within that window guarantees execution at the quoted rate or better.
PIX
Brazil's instant payment rail — 24/7 in BRL.
Maria can convert her wXRP to BRL via an integrated PIX off-ramp partner in seconds.
"Sasha's 87.42 XRP never moved. The wXRP Maria sees is backed
1-to-1 by escrowed XRP you can verify on the public XRPL.
That's not a marketing line — it's a 3-of-5 multisig you can
audit yourself."
Ten chains. One settlement layer.
Every chain Gopnik connects clears against the XRP Ledger.
This is what makes the wallet — and the wider XRPL ecosystem —
central to the future of finance.