Behind the Scenes

When a user clicks a Universal Access Schema link, the following sequence happens automatically:

1. Gateway loads context

• Detects the chain slug

• Loads the token contract

• Confirms the asset is cleared by Smart Guardrails

• Prepares available payment options (fiat or crypto)

2. User completes payment

The user pays using:

• Cards

• Apple Pay / Google Pay

• Local payment methods

• Native crypto (where supported)

3. Gateway verifies payment

Payment confirmation triggers a BuyIntent that is sent to OPN.

4. OPN executes deterministically

OPN handles all on-chain settlement:

• Sources liquidity from the asset’s home chain

• Performs native DEX execution

• Avoids bridges, wrappers, and intermediaries

• Enforces deterministic settlement rules

5. Final settlement to the user’s wallet

OPN sends the purchased token directly to the user’s wallet:

• No custody

• No pooled funds

• No manual approvals

• No extra transactions

Summary

The entire backend collapse into one principle:

The URL encodes the intent. Gateway interprets it. OPN fulfills it.

This is why the Universal Access Schema works across wallets, bots, sites, and everywhere a link can exist.