OWNY

Active

Manage capital, investors & banking in one place.

Summer 2018Founded 201910 peoplePalo Alto, CA, USA

www.owny.com ↗LinkedIn ↗Crunchbase ↗See on the Idea Map Fintech momentum

About

Owny provides businesses with a turn-key portal to issue Funds, SAFEs and Notes. Your portal is fully equipped to manage investors, treasury, multi-currency accounts and ability to send and request ACH/Wire payments globally. Optional features include seamless crypto custody and solutions through Coinbase Institutional.

From their website

as of Jun 7, 2026www.owny.com ↗

API/InfraSubscription

Owny provides enterprise-grade capital, treasury and payments infrastructure with direct USD rails, tokenized deposits, and real-time compliance. It focuses on transforming global bank connectivity for institutions requiring fast, auditable money movement and integration with existing banking rails.

Owny offers an API-first platform that enables seamless Interoperability with multiple payment rails (ISO 20022, SWIFT, SEPA, ACH, Fedwire, RTP) via a single standardized REST API. It provides 1:1 USD treasury accounts, real-time settlements (5 seconds finality), 24/7/365 availability, and real-time KYC/AML/BSA compliance, audit trails, and risk controls. Its tokenized deposits feature enables bank-native stablecoins with same-day clearing and dedicated accounts in the user’s name for treasury management. The platform is designed for developers and integrates with existing banking infrastructure through an API-first design, including example API calls for cross-border settlements.

Who it’s for: Financial institutions and corporates requiring global, fast, compliant money movement and treasury management infrastructure with direct USD rails and tokenized deposits.

Features

direct USD rails with real-time settlements
1:1 dedicated USD treasury accounts
24/7/365 system availability
real-time KYC/AML/BSA and audit-ready reporting
interoperability with ISO 20022, SWIFT, SEPA, ACH, Fedwire, RTP
tokenized deposits with same-day clearing
API-first design with unified REST API

Hiring/traction mentioned via enterprise-grade deployments and partnerships with leading financial institutions; positioned as a technology provider rather than a licensed money transmitter.

Founders · 2

Umed LatifovFounder

Stanford

Umed has 18+ year experience in finance, private equity, banking regulation and infrastructure investments. He has a comprehensive background ranging from a startup CEO to managing multi-billion dollar energy generation, transmission and distribution projects. Most recently he was Vice Chair of Central Bank and then Vice Minister of Finance of Tajikistan where he was in charge of overhauling the countries payments infrastructure. Umed holds and MBA from Stanford Graduate School of Business.

LinkedIn ↗

Ola WibergFounder/CTO

Entrepreneurial product focused engineer with more than twenty years of experience leading the product development lifecycle from ideation to full production releases of a number of products ranging from hardware products, embedded software solutions, web/mobile applications, distributed systems, and cloud applications.

LinkedIn ↗

Launch

Launched on Y Combinator · Sep 2023

View launch post ↗

Owny helps startup companies and funds manage capital by giving the an AI-powered portal

Owny launches a revamped platform that uses AI to streamline capital management and banking for startups and PE/VC funds, including quick (same-day) account setup, onboarding/verification, and tools for raising SAFE capital, FX, treasury yields, and investor management. It provides ready-made templates and free tools to manage funds, payments, and investor communications.

From the original launch (Sep 2023) — may be outdated.