OwlPay Stablecoin On/Off-Ramp Infrastructure

OwlPay provides enterprise-grade API infrastructure for converting between fiat USD and USDC stablecoins, enabling payment companies, remittance providers, financial institutions, DeFi platforms, and fintech operators to build seamless stablecoin-fiat rails into their products.

Product Overview

OwlPay's on/off-ramp suite is built around three complementary products that cover the full fiat-to-stablecoin-to-fiat lifecycle. As a certified Stellar Anchor implementing SEP-24 (deposit/withdrawal) and SEP-10 (authentication) protocols, OwlPay operates across Stellar, Ethereum, Polygon, Arbitrum, Optimism, and Avalanche. The platform holds Money Transmitter Licenses across 40 U.S. states and is ISO 27001 certified, with continuous AML/KYC/KYT monitoring against 20,000+ sanctions lists.

Key Features

• OwlPay Harbor: Core B2B API for USD-to-USDC and USDC-to-USD conversions via Wire and ACH across 100+ countries, with multi-currency payouts in EUR, CAD, GBP, JPY, SGD, HKD, ZAR, AED, MXN, and BRL
• OwlPay Stablecoin Checkout: Embedded acquiring solution accepting USDC from customers with instant T+0 fiat settlement for merchants, eliminating card network delays and chargebacks
• OwlPay Payment: Cross-border payment platform supporting payouts to 190+ countries in 41 currencies with real-time FX conversion and same-day settlement
• Two integration models: platform-managed funds or end-user direct payment
• Reduces per-transaction costs from $25–30 to under $10 versus traditional correspondent banking

Use Cases

OwlPay targets payment companies, remittance providers, Canadian payment firms managing USD flows, European SMEs, DeFi companies, fintech platforms, banks, digital wallets, and traditional financial institutions. Clients collectively manage up to $100 million in monthly cross-border fiat volume. OwlTing is ranked among the top 2 global players in the Enterprise & B2B stablecoin segment by CB Insights.