# 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.