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
For real, who is using Cardano?
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Me! and so are many other people! It's a great blockchain!
i believe the volume speaks otherwise
There are a few.