Onfolio Holdings Details AI-Native Operating Model Delivering Measurable Cost Savings and Capacity Gains Across Portfolio

Rhea-AI Summary

Onfolio Holdings (Nasdaq: ONFO) detailed an AI-native operating model that the company says is delivering measurable cost savings and capacity gains across its portfolio. Key developments include AI-built production systems, an ad-intelligence dashboard replacing ~$5,000/month in external agency spend, rapid product builds, and plans to commercialize internal tools as services.

The company says AI agents (Anthropic Claude Code, OpenAI Codex) let non-technical teams build production software, absorb departed roles without hires, and scale systems portfolio-wide, enabling an operator-to-product company evolution and new acquisition opportunities.

Positive

• External agency cost replacement of approximately $5,000 per month
• Rapid development of a membership platform completed in a single weekend
• Internal tools being commercialized into new AI-powered services

Negative

• Dependency on third-party models (Anthropic Claude Code, OpenAI Codex) for core capabilities

Key Figures

Agency costs replaced: $5,000 per month AI strategy start: June 2023 AI thesis duration: Three years

3 metrics

Agency costs replaced $5,000 per month External ad spend agency costs for one subsidiary

AI strategy start June 2023 Company first outlined four-pillar AI strategy

AI thesis duration Three years Time for AI thesis to pay off per article title

Market Reality Check

normal vol

Market Pulse Summary

This announcement outlines Onfolio’s AI-native operating model, highlighting concrete initiatives su...

Analysis

This announcement outlines Onfolio’s AI-native operating model, highlighting concrete initiatives such as replacing around $5,000 per month in external ad agency costs and rapidly building internal tools that can be deployed across its portfolio. The shift from AI as simple chatbots to autonomous agents is central to the update. Investors may watch for future disclosures on revenue impact, adoption of AI-powered services, and additional product announcements mentioned for the coming months.

Key Terms

ai agents, ai-native, holding company

3 terms

ai agents technical

"AI agents now enabling non-technical teams to build production systems"

AI agents are computer programs designed to perform tasks or make decisions automatically, often by learning from data and adapting to new information. They act like virtual assistants or robots that can handle complex activities without human intervention, which can help businesses and individuals save time and improve efficiency. For investors, AI agents matter because they can enhance decision-making and automate processes that influence markets and financial outcomes.

ai-native technical

"its AI-native approach is creating structural advantages for the holding company model"

A company or product described as ai-native is built from the ground up around artificial intelligence rather than having AI added on later; its core processes, user experience and decision-making rely on machine learning models and data pipelines. Like a house designed for wheelchair access versus one retrofitted, ai-native firms can move faster, scale more cheaply and offer unique products or cost advantages—information investors use to judge future growth potential and risk exposure to model, data or regulatory failures.

holding company financial

"creating structural advantages for the holding company model"

A holding company is an organization that owns enough shares of other businesses to control them but usually does not run their day-to-day operations. Think of it as an umbrella or parent that lets investors gain exposure to several companies through one vehicle; its value depends on the performance, risks, dividends and debts of the companies it holds, so it matters for assessing diversification, control and consolidated financial health.

AI-generated analysis. Not financial advice.

AI agents now enabling non-technical teams to build production systems, replace notable costs, and deploy capabilities across entire portfolio from day one

WILMINGTON, Del., March 18, 2026 (GLOBE NEWSWIRE) -- Onfolio Holdings, Inc. (Nasdaq: ONFO, ONFOW) (OTC: ONFOP), an owner-operator of cash-generative online businesses, today published a detailed update on its AI operating strategy, reporting that the recent improvements in AI agents, driven by Anthropic's Claude Code and OpenAI's Codex has enabled its non-team to build production software, automate knowledge-work, replace certain expenses, retainers, and payroll costs, and deploy those same systems across its portfolio of businesses.

The Company first outlined a four-pillar AI strategy in June 2023. In its 2024 annual letter, the Company acknowledged that adoption had been limited as the tools had not yet caught up to the thesis. Today's update reports that in the past few weeks, AI agents have fundamentally changed what is possible, enabling dramatically smaller teams to compete with larger incumbents at a fraction of the cost. The Company believes this shift creates both operational advantages for its existing portfolio and acquisition opportunities as businesses that have not adopted AI may trade at lower valuations relative to their potential under an AI-enabled operating model.

Key developments include:

-- Eastern Standard, the Company's branding and web agency, now uses AI for the majority of its development work. AI is also helping team members expand their capabilities and take on higher-value work across the agency, including absorbing a departed team member's responsibilities without a replacement hire.

-- The Company's COO built an ad spend intelligence dashboard using AI that would replace approximately $5,000 per month in external agency costs for one subsidiary while delivering superior analytical insights. The system is being developed to auto-generate ad creative based on performance data.

-- The CEO built a complete multi-platform content and investor communications system using AI, resulting in a significant increase in shareholder engagement. This system is being developed into a standalone service offering for other businesses.

-- A membership platform for one of the Company's subsidiaries was built in a single weekend using AI tools, a project that would have previously required tens of thousands of dollars in development costs and months of work.

-- The Company is developing its first AI-powered services for external sale, with additional product announcements expected in the coming months, representing an expansion from operator to product company.

-- AI adoption within the portfolio is occurring both top-down and bottom-up, with one portfolio company leader independently restructuring operations around AI and directing his team to "start thinking of ourselves as an AI company first."

The Company noted that its AI-native approach is creating structural advantages for the holding company model: lowering the cost of building internal tools and products, enabling small teams to operate with significantly greater capacity, creating systems that compound across the portfolio, and opening new revenue streams as internal tools become standalone products. The Company also noted that the broader shift toward AI-native operations is creating acquisition opportunities, as businesses that have not adopted AI may trade at lower valuations relative to their potential under an AI-enabled operating model.

"We're building something we've been wanting to build for years: an AI infrastructure that makes every business more efficient and every acquisition more accretive from day one," said Dominic Wells, CEO of Onfolio. "The recent shift from AI being glorified chatbots to powerful agents changed everything. Previous AI tools required you to manage the output. Agents manage and improve themselves. That's why a small team that doesn't write code can now build production systems, reduce expenses, and deploy those same systems across every business in the portfolio. The tools we're building internally are also becoming products we can sell. That's a meaningful evolution for the business."

The full article, titled "Our AI Thesis Took Three Years to Pay Off. It Was Worth the Wait," is available on the Company's website at:
https://www.onfolio.com/ai-strategy-report-card

About Onfolio Holdings

Onfolio Holdings Inc. (Nasdaq: ONFO) is an owner-operator of cash-generative online businesses. The Company acquires and operates profitable online businesses across diverse verticals, including marketing, education, and e-commerce, with a focus on sustainable cash flow and long-term value creation. The Company uses AI across its operations to improve acquired businesses, build internal tools, and develop AI-powered products.

Visit www.onfolio.com for more information.

Forward-Looking Statements

The information posted in this release may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. You can identify these statements by use of the
words "may," "will," "should," "plans," "explores," "expects," "anticipates," "continues," "estimates," "projects," "intends," and similar expressions. Forward-looking statements involve risks and uncertainties that could cause actual results to differ materially from those projected or anticipated. These risks and uncertainties include, but are not limited to, general economic and business conditions, effects of continued geopolitical unrest and regional conflicts, competition, changes in technology and methods of marketing, delays in completing new customer offerings, changes in customer order patterns, changes in customer offering mix, continued success in technological advances and delivering technological innovations, delays due to issues with outsourced service providers, those events and factors described by us in Item 1.A "Risk Factors" in our most recent Form 10-K and Form 10-Q; other risks to which our Company is subject; other factors beyond the Company's control. Any forward-looking statement made by us in this press release is based only on information currently available to us and speaks only as of the date on which it is made. We undertake no obligation to publicly update any forward-looking statement, whether written or oral, that may be made from time to time, whether as a result of new information, future developments or otherwise.

Investor Contact

investors@onfolio.com

FAQ

How much ad agency spend did Onfolio (ONFO) replace with its AI dashboard?

Onfolio replaced approximately $5,000 per month in external agency costs. According to the company, the COO built an AI ad-intelligence dashboard that also delivers improved analytical insights and auto-generates ad creative.

What AI tools did Onfolio (ONFO) cite in its March 18, 2026 update?

Onfolio cited Anthropic's Claude Code and OpenAI's Codex as enabling agents. According to the company, those agents let non-technical teams build production systems and automate knowledge-work across the portfolio.

Did Onfolio (ONFO) say AI changed its hiring or team structure?

Yes—Onfolio reported team members absorbed a departed role without a replacement hire. According to the company, AI expanded team capacity and let smaller teams take on higher-value work.

Is Onfolio (ONFO) planning to sell its AI tools externally?

Yes—Onfolio is developing AI-powered services for external sale and expects additional product announcements. According to the company, internal tools are being commercialized as standalone offerings.

How does Onfolio (ONFO) say AI affects acquisition opportunities?

Onfolio says AI-native operations create acquisition opportunities because non-adopting businesses may trade at lower valuations. According to the company, AI can make acquisitions more accretive from day one.