OwlTing

What OwlTing does

OwlTing (operating brand of OBOOK Holdings, Inc., NASDAQ: OWLS since October 16, 2025) is a Taiwan-headquartered (Beitou, Taipei) global fintech and blockchain infrastructure company that has repositioned around licensed stablecoin payments since its 2010 founding. Its core product, the OwlPay suite, provides multi-chain (Ethereum, Stellar, Solana) stablecoin payment infrastructure for enterprise and consumer use cases: OwlPay Harbor delivers licensed stablecoin/fiat on/off-ramps integrated with Visa Direct, ACH, wire, credit card, and cash; OwlPay Stablecoin Checkout accepts stablecoin payments and settles in fiat; OwlPay Wallet Pro provides custodial enterprise and self-custody individual wallets; the OwlPay Agent Wallet (owlp CLI) is a self-custody wallet purpose-built for AI agents; and the OwlPay Compliance Solution layers KYC/KYB/AML across fiat, stablecoin, and on/off-ramp flows. The OwlPay Cash mobile remittance app targets 26 corridor regions, and the June 2026 OwlPay Booking Engine for Agent Checkout extends the platform to AI-agent-initiated hospitality bookings across the existing OwlNest client base. OwlTing also operates OwlNest, a blockchain-based hospitality PMS trusted by 3,000+ partners processing ~$280M in 2025 gross booking volume, alongside adjacent sub-brands (OwlJourney, OwlTing Experiences, OwlStay, OwlTing Market) and OwlTing Blockchain Services (OBS) for supply-chain traceability.

The company generates revenue through a mix of recurring SaaS subscriptions (OwlNest, with 20% YoY growth in H1 2025), transaction-based payment service fees on multi-currency and stablecoin settlement flows routed through OwlPay Harbor, per-transaction fees on AI-agent bookings, OwlPay Cash consumer remittance fees, and OwlTing Market e-commerce sales. Enterprise pricing is quote-based and not publicly disclosed, while OwlPay Cash advertises up to 70% lower cost than SWIFT with no monthly fees. OwlTing sells primarily through enterprise direct sales and inside sales motions (with 51 enterprise clients as of May 31, 2026, up 40%+ from 36 at FY2025) and consumer distribution via Apple App Store and Google Play; it also self-distributes the owlp CLI through npm and GitHub. Reported FY2025 revenue was $7.9M (up from $7.6M in FY2024) with a $31.9M net loss, against a forward contracted annual transaction capacity exceeding $5B across North America, Asia-Pacific, and Africa. The company's competitive position rests on a regulatory moat (Money Transmitter Licenses in 42 U.S. states, VASP in Poland, Electronic Payment Intermediary license in Japan, FinCEN MSB registration), integrated partnerships with Visa, Circle, Coinbase, Cross River Bank, and MoneyGram, and a pivot to AI-agent commerce through the x402 protocol.

Name

OwlTing

Legal name

Obook Holdings, Inc.

Website

https://owlting.com

Company type

Public

Founded year

2010

Operating status

Operating

Headcount range

51–100 employees

Short description

OwlTing (OBOOK Holdings, NASDAQ: OWLS) provides licensed, multi-chain stablecoin payment infrastructure (OwlPay) for enterprise cross-border payments, consumer remittances, and AI-agent commerce, alongside the OwlNest hospitality SaaS platform serving 3,000+ partners globally.

Ownership category

akta.pro rank

Product category

Stablecoin Payment Infrastructure

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199)

akta.pro primary industry

Payments, Remittances & Merchant Acceptance (checkout, invoicing, payroll) (FSAPAEAE)

akta.pro secondary industries

Crypto Payment Gateways & Checkout APIs (FSADAIAA), Crypto Payments & Stablecoin Settlement Platforms (BPAMAFAL)

Keywords

• Stablecoin payment infrastructure
• Cross-border remittance
• Hospitality management software
• Blockchain supply chain traceability
• AI agent commerce

Headquarters

HQ city

Taipei

HQ country

Taiwan

HQ region

Asia

Offices8 records

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Platform Service Fees: Recurring platform service fees charged to enterprise customers and hospitality operators (e.g., OwlNest SaaS) for access to the OwlPay booking engine, OwlNest property management system, and OwlPay compliance platform. OwlNest reported 20% YoY revenue growth in H1 2025.
2. Payment Service Fees on Multi-Currency Settlements: Transaction-based payment service fees on multi-currency settlement flows routed through OwlPay's licensed infrastructure, applied across B2B cross-border payments, remittances, and stablecoin-to-fiat conversions via OwlPay Harbor.
3. Per-Transaction Fees on AI Agent Bookings: Per-transaction fees collected on AI agent-initiated bookings processed through the OwlPay Booking Engine for Agent Checkout, with OwlPay Agent Checkout built on the x402 open payment standard.
4. OwlPay Cash Consumer Remittance Fees: Consumer remittance fees on the OwlPay Cash mobile app targeting the $230B U.S. outbound remittance market across 26 corridors, with the company claiming fee reductions of up to 70% compared to traditional SWIFT transfers and no monthly fees.
5. Hospitality SaaS Subscription (OwlNest): SaaS subscription revenue from OwlNest property management platform serving 3,000+ hospitality partners globally, with OwlNest processing approximately USD 280 million in gross booking volume in 2025 and reporting 20% YoY revenue increase in H1 2025.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels8 records

Core offering

OwlTing (operating brand of OBOOK Holdings Inc., NASDAQ: OWLS) provides licensed stablecoin and fiat cross-border payment infrastructure through its OwlPay suite, including enterprise on/off-ramps (Harbor), merchant stablecoin checkout, custodial and self-custody Web3 wallets, an AI-agent wallet (owlp CLI), and a compliance solution, alongside a consumer remittance app (OwlPay Cash) and global fiat payments in 41 currencies. Adjacent offerings include the OwlNest blockchain-based hospitality management system, OwlTing Blockchain Services for supply-chain traceability, OwlTing Market e-commerce, and curated travel brands (OwlJourney, OwlTing Experiences, OwlStay).

Product overview

OwlTing (operating brand of OBOOK Holdings Inc., NASDAQ: OWLS) is a global fintech company organized as a platform-plus-modules architecture anchored by the OwlPay suite for stablecoin-enabled cross-border payments, with adjacent sub-brands in hospitality and e-commerce. The OwlPay core spans five enterprise/individual modules: OwlPay Harbor (stablecoin/fiat on/off ramps, integrated with Visa Direct), OwlPay Stablecoin Checkout (merchant-side stablecoin acceptance using the x402 open standard for AI agents), OwlPay Wallet Pro (custodial enterprise wallet and self-custody individual wallet), OwlPay Agent Wallet (the owlp CLI purpose-built for AI agents), and OwlPay Compliance Solution (KYC/KYB/AML). Two consumer-facing OwlPay products extend the suite: OwlPay Payment (global fiat payments in 41 currencies across 190+ countries) and OwlPay Cash (Visa Direct-powered mobile remittance to 26 regions). The forthcoming OwlPay Booking Engine for Agent Checkout wraps OwlPay's Agent Wallet, Agent Checkout, and Harbor components around AI-agent-initiated hotel bookings, targeting the existing OwlNest client base of 2,800+ hospitality properties. Around this fintech core, OwlTing operates four hospitality sub-brands (OwlNest PMS, OwlJourney hotel booking, OwlTing Experiences tours/activities, OwlStay boutique B&Bs) and one e-commerce sub-brand (OwlTing Market), with OwlTing Blockchain Services (OBS) supplying shared traceability and anti-counterfeiting infrastructure used both commercially and in social-impact programs. Compliance is positioned as foundational: OwlTing holds Money Transmitter Licenses across 40 U.S. states (operating in 41), an MSB registration with FinCEN, a Japan Electronic Payment Intermediary license, and an EU VASP registration in Poland.

Differentiator

Problem solved

Functional benefit

Brands

• OwlPay: Stablecoin and fiat payment platform offering Harbor (on/off ramps), Payment (cross-border), Wallet Pro (custodial/self-custody wallets), Cash (remittance app), Agent Wallet (AI agent wallet), Booking Engine (AI-driven hospitality bookings), and Compliance Solution (KYC/AML).
• OwlPay Harbor
• OwlPay Cash
• OwlNest
• OwlJourney
• OwlTing Experiences
• OwlStay
• OwlTing Market
• OwlTing Blockchain Services (OBS)
• OwlPay Agent Wallet (owlp)

Products and services

• OwlPay Harbor Enterprise on/off-ramp infrastructure enabling seamless conversion between stablecoins and fiat. Integrated with Visa Direct for near-instant debit card on/off-ramps and supports ACH, wire, credit card, and cash. Powers cross-border settlement including the China-India corridor with Credible Finance and the Hope for Haiti humanitarian aid transfers.
• OwlPay Stablecoin Checkout Enterprise payment acceptance module that lets merchants accept stablecoin payments from customers and settle seamlessly in fiat, supporting the x402 open payment standard for AI-agent-initiated transactions.
• OwlPay Wallet Pro (Enterprise) Custodial Web3 wallet-as-a-service for businesses offering lower fees and faster payments, with the ability to manage multiple wallets and integrate Circle Payments Network for global stablecoin transfers. Debit card on/off-ramps coming soon.
• OwlPay Wallet Pro (Individual)
• OwlPay Agent Wallet (owlp CLI)
• OwlPay Compliance Solution
• OwlPay Payment (Global Fiat Payment)
• OwlPay Cash
• OwlPay Booking Engine for Agent Checkout
• OwlTing Blockchain Services (OBS)
• OwlNest
• OwlJourney
• OwlTing Experiences
• OwlStay
• OwlTing Market

Quantifiable outcome

• 93% reduction in transfer costs for humanitarian aid via OwlPay Harbor (Hope for Haiti pilot)
• +4 more outcomes

Named customers1 record

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability8 records

Feature9 records

Partnerships

Nine partnerships are on record, tiered flagship, minor and core.

• Credible FinanceflagshipStrategic or Co-development Partner · 15 June 2026Network-to-network cross-border payment partnership to open new payment corridors starting with China and planning expansion to India. Credible Finance (U.S. payment orchestration platform, $641M+ processed to date, $5B target for 2026) will use OwlPay Harbor's licensed infrastructure to settle payouts into China while OwlTing taps Credible's network to enter India. Partnership positions OwlPay Harbor as a shared settlement layer for enterprise cross-border payments.
• Arta Global MarketsminorStrategic or Co-development Partner · 21 April 2026Partnership with Arta Global Markets for digital asset payment services, extending OwlPay's institutional reach into digital asset markets.
• VisaflagshipTechnology or Integration · 15 April 2026Expanded collaboration integrating Visa Direct into OwlPay, enabling U.S. debit cardholders to fund USDC transactions directly. Extension of existing partnership to integrate Visa Direct transfer app with OwlPay, enabling users to spend USDC at U.S. retailers through gift cards and transfer funds globally to eligible Visa debit cards; powers the OwlPay Cash consumer remittance app across 26 corridor regions.
• Hope for HaitiminorOthers · 12 March 2026Hope for Haiti adopted OwlPay Harbor to modernize cross-border humanitarian fund transfers, enabling conversion of U.S. dollars to regulated dollar-pegged digital currency and bypassing costly traditional banking processes. Pilot phase facilitated over $100,000 in transactions with a 93% reduction in transfer costs and full transaction traceability on a distributed ledger.
• CoinbaseflagshipTechnology or Integration · 8 January 2026Integration of OwlPay Checkout solutions with Coinbase's x402 ecosystem, an open standard enabling AI agents to initiate payments across the web. OwlTing serves as the compliant merchant-side 'digital cash register' complement to x402's 'digital wallet' for AI agents, addressing a critical market gap for AI agent commerce.
• Circle Payments NetworkflagshipTechnology or Integration · 4 December 2025Integration with Circle Payments Network (CPN) to enable near-instant stablecoin transactions for cross-border payments through OwlPay Wallet Pro, targeting the $194 trillion cross-border payments market with initial focus on Brazil and Nigeria plus Latin America, Africa, and Europe. Provides smart routing, real-time FX quoting, encrypted data exchange for compliance (Travel Rule), and deterministic 24/7 settlement without pre-funded correspondent accounts.
• MoneyGramcoreStrategic or Co-development Partner · 30 October 2025MoneyGram listed as a major collaboration partner of OwlPay alongside Visa, Circle, and Coinbase, supporting global licensed stablecoin payment infrastructure and cross-border transactions across 39 US states, Europe, and Japan.
• Stellar Development FoundationcoreTechnology or IntegrationStellar listed as a partner in the OwlTing partner logo gallery and as a supported blockchain for the OwlPay Agent Wallet, owlp CLI, and OwlPay Wallet Pro.
• GMO Internet GroupminorStrategic or Co-development PartnerGMO listed as a partner in the OwlTing partner logo gallery, supporting Japan market presence.

Scale indicators17 records

Recent moves8 records

Expansion highlights8 records

Direct peers

• Fireblocks: Enterprise digital asset custody and payment infrastructure provider competing with OwlPay Wallet Pro in wallets-as-a-service for institutional and enterprise clients.
• Circle: Issuer of USDC and operator of Circle Payments Network, the core stablecoin-rail that OwlPay integrates with for near-instant cross-border settlement. Circle is the most direct competitor in regulated stablecoin payments infrastructure.
• BVNK: Enterprise stablecoin payment infrastructure platform serving merchants, PSPs, and banks with on/off-ramps and cross-border settlement — directly competing with OwlPay Harbor in the same regulated B2B stablecoin segment.
• Bridge (Stripe): Stripe-acquired stablecoin API platform offering fiat-to-stablecoin orchestration for businesses; competes head-to-head with OwlPay Harbor for enterprise stablecoin payment acceptance and wallets-as-a-service.
• Remitly: Public digital remittance company serving the same US-outbound corridors OwlPay Cash targets (Mexico, India, Philippines, etc.) — directly comparable business model and customer base.

Broad incumbents

• Ripple: Long-established cross-border payments network using XRP and stablecoins (RLUSD), competing in the same enterprise cross-border B2B payments category OwlPay targets with OwlPay Harbor.
• MoneyGram: Global remittance incumbent that is both an OwlPay partner and a competitor, having launched its own stablecoin cross-border app on Stellar; competes in remittance corridors where OwlPay Cash operates.
• Wise: Public, scaled cross-border payments platform with low-fee remittance and multi-currency accounts — a comparable benchmark for OwlPay Cash on cost reduction claims and corridor coverage.
• PayPal: Global consumer and merchant payments incumbent operating PYUSD stablecoin and Xoom remittance — comparable in addressing both consumer remittance and merchant stablecoin acceptance where OwlPay competes.
• Stripe: Global payments platform that acquired Bridge to enter stablecoin rails and supports USDC natively — an incumbent whose AI-agent and stablecoin commerce moves directly compete with OwlPay's strategy.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks7 records

Key highlights7 records

Customer concentration

• Xx.com/owlting
• YouTubeyoutube.com/@OwlTing_Group/playlists
• LinkedInlinkedin.com/company/owlting
• Facebookfacebook.com/OwlTing

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Subsidiaries6 records

Funding overview

Funding rounds6 records

Investors4 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about OwlTing