Owny
Owny provides enterprise-grade global bank connectivity for emerging market banks, offering direct USD rails, real-time payments, tokenized deposits, and compliance infrastructure.
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What is Owny?
Owny is an enterprise-grade financial technology platform designed to manage private wealth, capital, and payments globally. It provides a comprehensive financial stack for businesses including startups, private equity funds, venture capital funds, and real estate companies to manage their capital, investors, and treasury needs in one unified infrastructure.
The platform offers direct USD rails with instant USD settlements for most bank-to-bank payments, unique accounts in your name for treasury management, and a system that operates 365 days a year bypassing traditional banking hours. Owny features AI-powered tools to streamline private capital management, investor onboarding, and treasury operations with real-time KYC/AML/BSA compliance and audit-ready reporting.
Key features include SAFE and Convertible Note management using industry-standard templates for startups, real-time risk management with sanctions screening and anomaly detection, API-first design with ISO 20022 native support, SWIFT/SEPA/ACH integration, and tokenized deposits beta with less than 5-second finality. The platform also provides global payment transfers through FX/ACH/Wire modules, interactive data analytics tools, and white-glove support from dedicated specialists.
Owny is built for developers with a standardized REST API to access multiple payment rails, and for investors with private dashboards providing dedicated accounts and investment management features. The tool serves emerging market banks with purpose-built solutions including direct USD accounts at top-tier U.S. banks and clearing/settlement for bank-native stablecoins.
Owny pricing
Pricing model: Free
The website does not publicly display specific pricing details. Owny appears to offer enterprise-grade solutions requiring direct contact for custom pricing. Based on external sources, there may be a Free Edition with limited features, a Team Edition at approximately $4/user/month, and an Enterprise Edition at approximately $21/user/month with advanced security and auditing features. Contact [email protected] or use the help center for pricing information.
Owny pros
- Instant USD settlements for most bank-to-bank payments
- Operates 365 days a year bypassing banking hours
- Direct USD accounts at top-tier U.S. banks in your name
- Real-time KYC/AML/BSA compliance built-in
- Audit-ready reporting with exportable audit trails
- Single-hop structure with same-day clearing
- Tokenized deposits with less than 5-second finality
- API-first design with ISO 20022 native support
- Supports SWIFT, SEPA, ACH, Fedwire, and RTP rails
- Real-time sanctions screening and anomaly detection
- Block/recall policies for risk management
- SAFE and Convertible Note management with industry templates
- AI-powered tools for investor onboarding
- 24/7/365 availability for stablecoin settlement
- White-glove support from dedicated specialists
Owny cons
- No public pricing transparency - contact required
- Tokenized deposits still in beta
- Not a registered broker-dealer or bank
- Does not provide legal, tax, or investment advice
- Targeted at enterprises not individual consumers
- Requires integration with existing banking infrastructure
- Limited information on free tier availability
- Primarily focused on USD payments not multi-currency
Frequently asked questions about Owny
What is Owny?
Owny is an enterprise-grade financial technology platform that provides a comprehensive solution to manage private wealth, capital, and payments globally. It is an AI-powered portal for managing private capital, investors, and banking needs with direct USD rails, tokenized deposits, and real-time compliance in one unified infrastructure.
Who is Owny for?
Owny caters to startups, private equity and venture capital funds, real estate companies, emerging market banks, and institutions requiring speed and certainty in payments. It serves businesses managing private offerings, funds managing private portfolios, and investors needing dedicated accounts and investment management features.
How does Owny handle USD payments?
Owny provides core infrastructure to manage USD payments and settlements with direct USD accounts at top-tier U.S. banks. It offers single-hop structure, same-day clearing, and instant USD settlements for most bank-to-bank payments with real-time KYC/AML/BSA compliance.
What compliance features does Owny include?
Owny includes real-time risk management and audit controls built directly into the money movement layer. Features include sanctions screening, anomaly detection, block/recall policies, real-time KYC/AML/BSA, and exportable audit trails for audit-ready reporting.
Does Owny support API integration?
Yes, Owny has an API-first design with a standardized REST API to access multiple payment rails. Integration is optimized for ISO 20022 standards and supports SWIFT, SEPA, ACH, Fedwire, and RTP ready connectivity for seamless integration with existing banking infrastructure.
What is Owny's tokenized deposits feature?
Tokenized Deposits is a beta feature for clearing and settlement for bank-native stablecoins designed for institutions requiring speed and certainty. It offers 1:1 USD reserves, less than 5-second finality, 24/7/365 availability, and PvP/DvP settlement.
How does Owny help startups with fundraising?
Owny enables startups to manage SAFE (Simple Agreement for Future Equity) and Convertible Notes using industry-standard templates. The platform provides AI tools for onboarding with both standard and custom templates, and allows users to create and share agreements for seamless closing processes.
Is Owny a bank?
No, Owny is a financial technologies company, not a registered broker-dealer or a bank. It does not provide legal, tax, or investment advice. The platform partners with registered investment advisers to offer certain investing features, and all investment advisory services are provided by these third-party advisors.
What support does Owny offer?
Owny provides ongoing support through a dedicated team of specialists ensuring a white-glove service experience for users and stakeholders. Users can search for answers to common questions 24/7 on their help center, and can email support if they don't find what they're looking for.
What are Owny's data analytics capabilities?
Owny offers interactive data analytics tools that allow users to track interest, sales activity, and inventory. The platform includes back-office tools for transaction reporting, compliance management, and custom updates, giving users real-time visibility into fund capital and banking activities.