OwlPay
OwlPay is a blockchain-enabled payments platform offering real-time, low-cost, AI-driven cross-border remittance via USD Coin, global on/off-ramp through MoneyGram, and integrated APIs for end-to-end payment orchestration and compliance.
Industry
Finance & Insurance
Market Categories
On/Off Ramp Services
Business function (Horizontal)
Finance
Headquarters Location
Taipei City, Taiwan
Product Name
OwlPay
Parent Company
OWLPAY HOLDINGS
Founder
Darren Wang
Web2vsWeb3
Access Model
API
Target Users
Corporate + Enterprises + SMEs, Consumers
Competitors
Circle Payment Network, Nium, RippleNet
Business Function (stablecoins)
Payment Processing, Transaction Settlement, Wallet Management, Compliance & Regulatory Oversight, Liquidity Provision, Integration Services
Feature completness
Product differentiation
USDC-Powered Real-Time Payments: Leveraging Nium network for same-day, low-fee ( < $10) cross-border transfers using USDC (turn6search4). Integrated MoneyGram On/Off-Ramp: Direct fiat–USDC conversion at MoneyGram’s 375K+ locations, enabling financial inclusion in underbanked markets (turn6search8). Unhosted Wallet Model: OwlPay Wallet Pro moving to self-custody, enhancing security and user control (turn6search8). Seamless API Orchestration: Single API integrates order management, reconciliation, audit, and payment automation (turn6search4).
Privacy & Data protection certificate
GDPR Compliance
Years in business
15.49
Employees
Horizontal Applications
Payment Rail, Remittances, Settlements, Liquidity, E-commerce Transactions, Peer-to-Peer (P2P) Payments
Tech stack modernity
Blockchain Integration: USDC on Ethereum (ERC-20) and possibly other chains (e.g., Algorand, Solana) for Wallet Pro (turn6search8). Cloud-Native: SaaS platform likely hosted on AWS/GCP (inferred from standard FinTech practices; not explicitly stated). API-First: RESTful APIs documented with cURL/JavaScript samples (owlting.com/docs). AI/ML: AI-powered AML/KYC screening modules. Mobile Platforms: iOS (Swift) and Android (Kotlin), integrated with blockchain SDKs.
Product Roadmap
2025+: Expand OwlPay Payment to North & South America, Europe (turn6search4). Stablecoin & Settlement Network Expansion: Introduce additional stablecoins beyond USDC, integrate new RTGS corridors, explore CBDC compatibility (turn6search4). Enhanced API Coverage: Publish full API specs for Virtual Accounts, Crypto Wallet, SWIFT Payment, Webhooks, Customer Onboarding (owlting.com/docs “unavailable in document” indicates future publication). Wallet Enhancements: Advance Wallet Pro’s unhosted model, support Multi-chain USDC, integrate new global on/off-ramps, add fiat-collateralized stablecoin support.
Product Roadmap
2025+: Expand OwlPay Payment to North & South America, Europe (turn6search4). Stablecoin & Settlement Network Expansion: Introduce additional stablecoins beyond USDC, integrate new RTGS corridors, explore CBDC compatibility (turn6search4). Enhanced API Coverage: Publish full API specs for Virtual Accounts, Crypto Wallet, SWIFT Payment, Webhooks, Customer Onboarding (owlting.com/docs “unavailable in document” indicates future publication). Wallet Enhancements: Advance Wallet Pro’s unhosted model, support Multi-chain USDC, integrate new global on/off-ramps, add fiat-collateralized stablecoin support.
API Quality
Production-Ready
Documentation Link
Enterprise readiness
High: OwlPay’s API-first SaaS architecture, global settlement network (Nium), MoneyGram on/off-ramp, and AI-driven AML/KYC demonstrate strong integration capabilities and scalability. SLAs and formal compliance certifications (SOC2, ISO 27001) are pending publication, but NMLS registration and MoneyGram partnership mitigate regulatory risk.
Security & Compliance Readiness
AI-Based AML/KYC: Integrated AI screening for name, transaction risk, and PEP/Sanctions checks (owlting.com/owlapay/compliance). Regulatory Registrations: OwlTing USA, Inc. holds NMLS ID for U.S. operations (turn6search8). MoneyGram Integration: Leverages MoneyGram’s compliance controls for on/off-ramp (turn6search8). GDPR & Data Privacy: Cookie Policy and EEA data protections referenced (owlting.com/cookie-policy). Certifications: No publicly posted SOC2 or ISO certificates; compliance processes are in progress.
Documentation quality assessment
Provides overview of authentication, high-level API structure, and sample calls. Missing granular details (field descriptions, error codes) for key endpoints. Expected full release in 2025
Support Methods
Support Options: Email support at support@owlting.com; region-specific local offices (Taipei, Singapore, USA, Japan). Responsiveness: Anecdotal reports suggest 24-hour initial response; enterprise SLAs not publicly published. Account Management: Dedicated enterprise account managers offered for large-volume clients; details shared during onboarding. Knowledge Base: FAQ and compliance guidelines on owlting.com/owlapay/compliance.
Critical capabilities
Real-Time Settlement Network: Leveraging Nium’s settlement corridors (100+ currencies) for same-day cross-border payments (turn6search4). On/Off-Ramp Integration: OwlPay Harbor™ integrates with MoneyGram Access to enable USDC–fiat conversions in 170+ countries (turn6search8). API-First Architecture: Developer-friendly RESTful APIs for order management, reconciliation, audit, and payment automation (turn6search4).
Support & Account Management
Support Options: Email support at support@owlting.com; region-specific local offices (Taipei, Singapore, USA, Japan). Responsiveness: Anecdotal reports suggest 24-hour initial response; enterprise SLAs not publicly published. Account Management: Dedicated enterprise account managers offered for large-volume clients; details shared during onboarding. Knowledge Base: FAQ and compliance guidelines on owlting.com/owlapay/compliance.
51 Score™
445.42
Product & Service
64.0
Stability & Maturity
6.7
Technology & Innovation
70.0
Enterprise Readiness
37.5
Categorization
Founder
Darren Wang
Parent Company
OWLPAY HOLDINGS
Market category
On/Off Ramp Services
Target Users
Corporate + Enterprises + SMEs, Consumers
Top competitors
Circle Payment Network, Nium, RippleNet
