Building the Future of Stablecoin Infrastructure: An AMA with OwlTing

Building the stablecoin infrastructure for the future: AMA with OwlTing Nasdaq, Payments, Fintech, Stablecoin

The recent Nasdaq listing of OwlTing is a significant milestone for the firm and its payment service, OwlPay, which is designed to create a licensed infrastructure connecting fiat currencies and stablecoins. In a recent Ask Me Anything (AMA) session, Darren Wang, founder and CEO of OwlTing, discussed how their commitment to regulations and compliance is meeting the rising demand for stablecoin payments globally.

Key Takeaways

OwlTing has listed on Nasdaq, marking an important development for its payment service OwlPay.
The company focuses on compliance and regulations, holding licenses in 39 U.S. states and additional approvals in Europe and Japan.
OwlPay aims to provide businesses with compliant infrastructure for cross-border payments in over 190 countries.
The firm's systems allow instant conversion between fiat and stablecoins, eliminating extra costs and processing delays.
Compliance is a core competitive advantage for OwlPay, enabling businesses to adopt its systems without extensive investments in their own regulatory frameworks.
OwlPay plans to expand its services, making stablecoin transactions as easy as using a debit or credit card.

Building a Regulated Bridge Between Fiat and Stablecoins

OwlPay has established a broad regulatory presence, holding licenses across 39 U.S. states and obtaining VASP registration in Europe, as well as regulatory approval in Japan. This extensive ground allows the platform to support compliant cross-border payments in over 190 countries using 41 currencies. Collaborations with global entities like Visa, MoneyGram, Stellar Development Foundation, Circle, and Coinbase further enhance OwlPay's capability to connect traditional finance with digital assets.

Wang emphasized that trust is the foundation of these partnerships and operations. He stated, “To handle money across borders, licensing and compliance are essential.” He noted that OwlPay's approach integrates compliance directly into their infrastructure, ensuring they only operate where they are licensed. “Regulation is the backbone of trust,” he reiterated.

The Invisible Rails That Facilitate Global Money Flow

OwlPay aims to provide accessible, licensed infrastructure for companies involved in international money movement. The process of gaining regulatory approval can take years and requires significant resources; OwlPay simplifies this by offering pre-compliant payment solutions that allow businesses to prioritize their growth.

At its core, OwlPay serves as the "invisible rails" facilitating digital money transfers. Its APIs and gateways connect traditional banking systems with stablecoins across various blockchains, including Ethereum, Polygon, Solana, Avalanche, Arbitrum, Optimism, and Stellar.

Wang elaborated, “Legacy systems like SWIFT involve multiple intermediaries.” OwlPay’s infrastructure allows companies to convert fiat to stablecoins instantly, reducing costs and transaction friction. The company’s Stablecoin Checkout solution partners USDC stablecoin acceptance with USD fiat settlement, potentially lowering payment costs for merchants by over 90% compared to traditional credit card fees.

In addition to the Stablecoin Checkout, OwlPay supports various financial operations, including on/off-ramps between fiat and stablecoins, worldwide payout and remittance services, transaction monitoring, and comprehensive KYC/AML integration.

Compliance as a Competitive Edge

Wang highlighted compliance as a distinct advantage for OwlPay. The company's systems embed KYC, KYB, and AML monitoring into its APIs, providing a standardized approach that allows businesses to use OwlPay's infrastructure without creating their own compliance systems.

He stated, “In the last decade, we’ve processed hundreds of millions in payments for hospitality and e-commerce suppliers, without any issues.” Wang emphasized the importance of maintaining rigorous moral standards in handling other people's money.

He also noted that achieving and keeping regulatory approval across various jurisdictions is a complex, long-term endeavor. It demands ongoing adaptation to different legal frameworks, like the U.S. Money Transmitter laws and regulations in Japan and the EU. “We design everything around compliance from day one,” Wang explained, which alleviates the licensing burden for their clients, allowing them to scale quickly.

The Future of OwlPay

After achieving a Nasdaq listing, OwlPay is set to fast-track new product introductions, including debit and credit card on/off-ramps. The aim is to enable users to convert between stablecoins and fiat effortlessly. By integrating with Visa Direct, OwlPay is creating a bridge for seamless transactions between traditional and digital finance.

Future initiatives also include the launch of the OwlPay Cash app for cross-border remittances, further broadening its reach within both consumer and enterprise markets. These enhancements are aimed at making stablecoins as accessible as traditional currency for anyone—from global businesses managing payouts to individuals transferring funds instantly through debit and credit card transactions.

Wang affirmed, “We’re laying the foundation for any company looking to enter the stablecoin economy.” His vision is for stablecoins to be as user-friendly as credit card transactions, ensuring that sending money becomes as simple as sending a text.

Looking Toward the Future

As OwlPay expands its global partnerships, its long-term goal is to create an efficient financial internet—an integrated infrastructure where fiat and stablecoins can coexist across borders. By combining regulatory strength with technical interoperability, OwlPay positions itself as a key player in the evolving financial landscape.

“Just as semiconductors drive computing globally, we believe our stablecoin infrastructure will enhance the flow of money worldwide,” Wang concluded. OwlTing's recent listing on Nasdaq marks more than just a corporate achievement; it signifies that regulated blockchain infrastructure is becoming part of the global financial mainstream.

Explore more about OwlTing and its revolutionary contributions to the world of stablecoins.