The Gopnik stack: XRPL at the centre as the settlement layer, 11 attached chains as spokes, 8 first-party services stacked on top. Activity goes up the pyramid — trust comes down.
11attached chains
8first-party services
3.7sledger close
24/7settlement
01 / 05
· Hub
One ledger at the centre.
Gopnik picks the XRP Ledger as its settlement core. 12 years of uptime, 3.7-second ledger closes, fractions of a cent per transaction. Everything routes through here.
Under the hood: Native AMM, multi-sig (XLS-29), escrow (XLS-39d), NFTs (XLS-20), MPT tokens (XLS-33). No mining, no mempool, deterministic Byzantine consensus.
02 / 05
· Spokes
11 chains. One wallet.
Around that core: 11 attached chains. EVM family, Solana, Bitcoin, Cosmos, Polkadot, plus a privacy lane. One Gopnik account holds them all.
Under the hood: Each chain has its own signer (XRPL family-seed compatible) and bridge contract. Gopnik orchestrates the lock/mint flow uniformly.
03 / 05
· Services
8 composable services.
On top of the rails: 8 first-party services — bridge, swap, multi-sig, tokenisation studio, AI agents, academy, regulator dashboards, banking on/off-ramps.
Under the hood: Each service exposes a stable HTTP + WebSocket API and settles through the bridge layer. Independent service scaling; failures isolated.
04 / 05
· Settlement
Activity up. Trust down.
Apps live at the top. Below them: services. Below those: the chains. At the bottom — the XRP Ledger. Every cent of activity clears here, where it's final.
Under the hood: Pyramid means trust assumptions compound *upward*. Failures or compromises at the top don't propagate into the settlement record.
05 / 05
· Reach
24/7 settlement, anywhere.
Every continent. Every weekend. Every holiday. The XRP Ledger never closes, and neither does Gopnik's settlement.
Under the hood: 144 validators globally, 80%+ supermajority threshold. No banking hours. No correspondent-bank dependencies.
Hub
·
01 / 05
Why this matters
One wallet, every chain
Bridges + signers for 11 chains plus the privacy lane. Users hold one account; their funds reach anywhere.
3.7 s settlement
Every supported chain clears back to XRPL with deterministic finality in seconds, not minutes.
3.7 s · 24/7
8 services on one stack
Bridge, swap, multi-sig, tokenise, AI, academy, regulator dashboards, banking on/off-ramps — composable across all chains.
Regulator-ready
Signed jurisdiction bundles, Merkle anchors, DAC8 / Travel Rule attestation built in.
New here? Skim the glossary —
Glossary
Settlement layer
The ledger where transactions are considered final and unchangeable.
XRPL has been finalising payments in ~3.7s for 12 years. Gopnik routes every supported chain back to XRPL for final settlement.
XRPL
The XRP Ledger — a 12-year-old blockchain that settles every 3.7 seconds for fractions of a cent.
No mining, no public mempool, native AMM / multi-sig / escrow / NFT, deterministic finality.
Bridge
A mechanism that lets value flow from one blockchain to another safely.
Gopnik runs 10 bridges (XRPL ↔ Solana, Ethereum, BTC, …). Each bridge keeps a 1:1 backing on XRPL.
"Everything routes back to the XRP Ledger. Not just a settlement
choice — the only way the user gets one record, one set of trust
assumptions, and 24/7 finality."