OWNY

OWNY is a payments technology platform that gives banks in emerging markets access to global payment rails. Through a portal, an API or both, a client bank can hold accounts in major currencies, send and receive cross border payments over Fedwire, ACH, RTP and SWIFT with ISO 20022 messaging, and buy and sell major currencies with access to US interbank rates. Built in compliance runs BSA/AML and sanctions screening inside the payment workflow so that exceptions are caught early rather than after a payment stalls. It is offered only to regulated financial institutions. OWNY describes itself as an AI driven fintech and a technology provider rather than a bank; regulated services are delivered through licensed financial institution partners, and availability depends on eligibility, jurisdiction and partner approval. The six services are institutional payment rails, cross border payments, foreign exchange, stablecoin access to a US bank native stablecoin network (currently in beta), compliance, and round the clock support with payment flow analytics and management reporting. Screening, review and escalation workflows are configured around each bank's own risk requirements, with audit trails to support client communication. The public site does not detail where the AI sits in the platform. Implementation follows three steps: define the service scope, configure eligibility and the portal or API setup, then validate the agreed workflows and launch. API documentation is published on a separate developer site. Pricing is not published. OWNY asks banks to discuss their priority currencies, payment routes and operating needs with its team, and terms are agreed per institution.