I would think a layer 2 ledger system could be.

Hydra is a layer 2 protocol on Cardano that works on a similar set of parameters.

https://hydra.family/head-protocol/core-concepts/

Looks likean open source project here aims to do it using Hydra.

https://github.com/obsidiansystems/hydra-pay

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For real, who is using Cardano?

Me! and so are many other people! It's a great blockchain!

i believe the volume speaks otherwise

There are a few.