Owny

Owny is a financial technology platform that provides businesses with the infrastructure to manage global USD payments and private wealth. It offers direct accounts at U.S. banks, enabling companies to handle capital, treasury, and settlements without being a bank themselves. The system handles cross-border payments, compliance checks, and account management all through a single interface.

The platform stands out with its deep integration into the banking system. It supports multiple payment rails like SWIFT, SEPA, ACH, and Fedwire through a unified API that is native to the ISO 20022 standard. A built-in compliance engine performs real-time sanctions screening and anomaly detection on every transaction. For developers, it provides a standardized REST API to initiate payments and manage accounts programmatically.

This tool is built for financial institutions, fintech companies, and large enterprises that move significant capital internationally. Use cases include managing corporate treasury, executing cross-border settlements for platforms, and handling stablecoin transactions with traditional banking partners. It is a solution for businesses that need reliable, fast, and compliant access to the U.S. banking system.