OwlTing Joins Circle Payments Network, Expanding Stablecoin Access to High-Growth Global Markets

Rhea-AI Summary

OwlTing (NASDAQ: OWLS) completed integration with Circle Payments Network (CPN) on Dec. 4, 2025 to enable near-instant, compliant stablecoin transactions (eg, USDC) for cross-border payments. The integration positions OwlTing as an Originating Financial Institution (OFI) in CPN and targets high-growth corridors including Brazil, Nigeria, and the EU.

The release highlights a focus on lower fees, faster settlements within a stated $194 trillion cross-border payments market and cites EU remittance inflows of $213 billion and Nigeria remittances of $26 billion. OwlTing also emphasizes its regulatory footprint: Money Transmitter Licenses in 39 U.S. states, a VASP license in Europe, and a Bank API license in Japan, while pursuing licenses in Hong Kong, Singapore, and Latin America.

Positive

• CPN membership enables near-instant USDC settlements
• Initial rollout targets Brazil, Nigeria, EU corridors
• Regulatory footprint: 39 U.S. money transmitter licenses

Negative

• Licensing expansion is ongoing in Hong Kong, Singapore, Latin America
• No quantitative revenue or guidance disclosed with the integration

Key Figures

Cross-border market $194 trillion Estimated global cross-border payments market size referenced for CPN opportunity

EU remittance inflows $213 billion Projected annual remittance inflows into EU markets

Nigeria remittances $26 billion Anticipated remittance inflows for Nigeria

U.S. Money Transmitter Licenses 39 states Licensing footprint for OwlTing’s U.S. operations mentioned in this release

Current share price $7.32 Pre-news price, about 92% below 52-week high of $90

52-week range $6.80–$90.00 Stock trading near the lower end of its 52-week range pre-news

Market cap $682.3M Pre-news equity value based on latest price

Price change 24h -5.18% Move in the session leading into this announcement

Market Reality Check

$7.32 Last Close

Volume Volume 105,618 is about 75% above the 20-day average of 60,446, indicating elevated pre-news activity. high

Technical Trading ~39% below its 200-day MA of $12.05, near the 52-week low and far from the $90 high.

Historical Context

Date	Event	Sentiment	Move	Catalyst
Nov 26	Share repurchase	Positive	+0.3%	$10M buyback authorization signaling confidence and capital return flexibility.
Nov 20	AI payments strategy	Positive	-3.0%	Launch of “Invisible Rails” AI-enabled compliant settlement layer across >20 markets.
Nov 17	Crypto infra launch	Positive	-1.5%	Positioning OwlPay Harbor and Wallet Pro as next-gen stablecoin infrastructure.
Oct 24	Regulatory expansion	Positive	+18.0%	New Money Transmitter Licenses expanding U.S. coverage to 40 states for OwlPay.
Oct 17	Nasdaq listing	Positive	-28.9%	Nasdaq direct listing with shares opening far above the $10 reference price.

Pattern Detected

Positive strategic and regulatory news often saw mixed-to-negative next-day moves, with only regulatory expansion and the buyback aligning positively.

Recent Company History

Over the last few months, OwlTing moved from its Oct 17 Nasdaq direct listing to rapidly expanding its regulated stablecoin infrastructure. It added Money Transmitter Licenses across 40 U.S. states by Oct 24, launched a 2025 product suite for tokenized-asset settlement on Nov 17, and outlined its “Invisible Rails” AI settlement strategy on Nov 20. A $10 million buyback on Nov 26 followed. Today’s CPN integration extends this cross-border, compliance-first payments roadmap.

Historical Comparison

crypto

+1.5 %

Average Historical Move

Historical Analysis

Past crypto-tag news on expanding OwlPay’s stablecoin rails showed an average move of about 1.48%. Today’s Circle Payments Network integration continues that infrastructure-focused theme.

Typical Pattern

The company has progressed from announcing multi-market stablecoin rails to integrating with Circle Payments Network to deepen cross-border settlement capabilities.

Regulatory & Risk Context

Short Interest

0%

0% 15% 30%+

low

Reported short interest of 0% and 0 days to cover indicate limited positioning by short sellers, reducing the likelihood of short-driven volatility.

Market Pulse Summary

This announcement deepens OwlTing’s stablecoin infrastructure by integrating with Circle Payments Network and targeting high-need regions like Brazil, Nigeria, and the EU, where remittance inflows reach $213 billion and $26 billion. It builds on earlier expansions of OwlTing’s licensing footprint, including 39 U.S. Money Transmitter Licenses and European VASP status. Investors may watch adoption of OwlPay Wallet Pro, corridor volumes, and future regulatory milestones to gauge how effectively this network integration translates into transaction growth.

Key Terms

Circle Payments Network technical

"announced the completion of its integration with Circle Payments Network (CPN)"

A circle payments network is a system that allows users to send and receive money quickly and securely through digital connections. It functions like an electronic handshake, enabling seamless transactions between friends, businesses, or other parties without the need for cash or physical cards. This type of network matters to investors because it can facilitate faster, more efficient financial exchanges, potentially expanding access to digital payments and shaping the future of money movement.

stablecoin medical

"enables near-instant, compliant stablecoin transactions"

A stablecoin is a type of digital currency designed to keep its value steady, often by being backed by traditional assets like money or commodities. For investors, stablecoins offer a reliable way to move money quickly across digital platforms without the value fluctuations common with other cryptocurrencies, making them useful for saving, trading, or transferring funds with less risk of sudden losses.

Originating Financial Institution (OFI) financial

"As an Originating Financial Institution (OFI) in CPN, OwlTing enables"

An originating financial institution (ofi) is the bank or financial firm that initially creates and processes a financial transaction, such as a loan or a security. It acts like the producer or originator of the financial product, making sure it is properly set up before it reaches other investors or markets. For investors, knowing the ofi helps assess the trustworthiness and quality of the financial product they are considering.

OwlPay Wallet Pro technical

"its digital wallet, OwlPay Wallet Pro, users to initiate stablecoin payments"

Owlpay Wallet Pro is a digital tool that allows users to securely store, manage, and transfer their money electronically. Think of it as an online wallet that keeps your funds safe and accessible anytime, whether for everyday transactions or saving for future needs. For investors, it provides a convenient way to handle digital assets and facilitates quick, secure financial exchanges.

Virtual Assets Service Provider (VASP) regulatory

"a Virtual Assets Service Provider (VASP) license in Europe"

A virtual assets service provider (VASP) is a company or organization that helps people buy, sell, transfer, or store digital assets such as cryptocurrencies. Think of it as a digital version of a bank or exchange that makes it easier and safer for investors to manage their online assets. VASPs play a key role in ensuring transactions are smooth and trustworthy in the digital asset market.

Money Transmitter Licenses regulatory

"The Company holds Money Transmitter Licenses in 39 U.S. states"

Money transmitter licenses are official permissions granted by government authorities that allow a business to legally transfer money between people or entities. They ensure that companies handling financial transactions follow rules designed to protect consumers and prevent fraud. For investors, these licenses are important because they demonstrate that a business operates within legal boundaries and adheres to financial safety standards.

Electronic Payment Intermediary Service Provider regulatory

"an Electronic Payment Intermediary Service Provider (Bank API license) in Japan"

An electronic payment intermediary service provider is a company or platform that facilitates digital financial transactions between buyers and sellers. It acts as a secure middleman, ensuring money moves smoothly and safely from one party to another, much like a digital cashier or escrow service. For investors, these providers are vital because they enable fast, reliable online payments, supporting the growth of e-commerce and digital finance.

remittances financial

"demand for faster, affordable solutions in remittances, payroll, and trade finance"

Remittances are money sent by individuals to family members or others in their home country, often to support living expenses or important needs. They are a significant source of income for many households and can influence economic stability in the receiving regions. For investors, remittances can signal economic health and influence currency values and financial stability in countries heavily reliant on these transfers.

AI-generated analysis. Not financial advice.

OwlTing’s CPN integration boosts speed, reduces costs for cross-border payments in $194 trillion market

ARLINGTON, Va., Dec. 04, 2025 (GLOBE NEWSWIRE) -- OBOOK Holdings Inc. (NASDAQ: OWLS) ("OwlTing" or the "Company"), a blockchain technology company operating as the OwlTing Group, today announced the completion of its integration with Circle Payments Network (CPN), Circle’s global network that enables near-instant, compliant stablecoin transactions. As one of Asia's financial institutions in CPN, OwlTing expands its payment infrastructure to deliver lower costs and broader access for cross-border payments into high-growth regions, including Latin America, Africa, and Europe.

This collaboration strengthens OwlTing's position in stablecoin infrastructure, allowing users to send regulated¹ stablecoins like USDC for near-instant settlements in the $194 trillion cross-border payments market². By addressing traditional challenges like high fees and delays, CPN provides a new alternative for efficient global money movement.

“Joining Circle Payments Network advances our mission to build trusted infrastructure for global finance,” said Darren Wang, Founder and CEO at OwlTing Group. “As CPN grows, participants like OwlTing will benefit from its expanding corridors and institutional reach, supporting our long-term strategy to capture the growing stablecoin economy.”

“We’re excited to welcome OwlTing to Circle Payments Network to deliver payments to high-growth markets,” said Irfan Ganchi, SVP, Product Management, Payments at Circle. “This integration furthers our goal of connecting financial institutions through a unified, open protocol that redefines how money moves globally.”

As an Originating Financial Institution (OFI) in CPN, OwlTing enables its digital wallet, OwlPay Wallet Pro, users to initiate stablecoin payments with intelligent routing based on the best rates, fees, and providers.

The initial rollout of the service focuses on regions with high cross-border payment needs, such as Brazil, Nigeria, and the European Union (EU). These markets highlight massive opportunities, such as the EU's projected $213 billion in annual remittance inflows³ supporting trade, migration, and investments, and Nigeria’s anticipated remittance inflows of $26 billion⁴ amid Africa's growing market share and economic demands. This underscores the demand for faster, affordable solutions in remittances, payroll, and trade finance serving billions of people worldwide.

OwlTing stands out with its extensive global regulatory footprint, ensuring secure and trusted stablecoin payments. The Company holds Money Transmitter Licenses in 39 U.S. states⁵, a Virtual Assets Service Provider (VASP) license in Europe, and an Electronic Payment Intermediary Service Provider (Bank API license) in Japan, while pursuing additional licensing opportunities in Hong Kong, Singapore, and Latin America. This commitment, following OwlTing's successful Nasdaq direct listing, reinforces its leadership in building a regulated stablecoin infrastructure for businesses worldwide.

About OBOOK Holdings Inc. (OwlTing Group)
OBOOK Holdings Inc. (NASDAQ: OWLS) is a blockchain technology company operating as the OwlTing Group. The Company was founded and is headquartered in Taiwan, with subsidiaries in the United States, Japan, Poland, Singapore, Hong Kong, Thailand, and Malaysia. The Company operates a diversified ecosystem across payments, hospitality, and e-commerce. In 2025, according to CB Insights’ Stablecoin Market Map, OwlTing was ranked among the top 2 global players in the “Enterprise & B2B” category. The Company’s mission is to use blockchain technology to provide businesses with more reliable and transparent data management, to reinvent global flow of funds for businesses and consumers and to lead the digital transformation of business operations. To this end, the Company introduced OwlPay, a Web2 and Web3 hybrid payment solution, to empower global businesses to operate confidently in the expanding stablecoin economy. For more information, visit https://www.owlting.com/portal/?lang=en.

About Circle Payment Network
Circle Technology Services, LLC (CTS) is the operator of Circle Payments Network (CPN) and offers products and services to financial institutions that participate in CPN to facilitate their CPN access and integration. CPN connects participating financial institutions around the world, with CTS serving as the technology service provider to participating financial institutions. While CTS does not hold funds or manage accounts on behalf of customers, we enable the global ecosystem of participating financial institutions to connect directly with each other, communicate securely, and settle directly with each other. CTS is not a party to transactions between participating financial institutions facilitated by CPN who use CPN to execute transactions at their own risk. Use of CPN is subject to the CPN Rules and the CPN Participation Agreement between CTS and a participating financial institution.

Safe Harbor Statement
Certain statements in this announcement are forward-looking statements. These forward-looking statements involve known and unknown risks and uncertainties and are based on the Company’s current expectations and projections about future events that the Company believes may affect its financial condition, results of operations, business strategy, and financial needs. Investors can identify these forward-looking statements by words or phrases such as “may,” “could,” “will,” “should,” “would,” “expect,” “plan,” “aim,” “intend,” “anticipate,” “believe,” “estimate,” “predict,” “likely,” “potential,” “project,” or “continue,” or the negative of these terms or other comparable terminology. The Company undertakes no obligation to publicly update or revise any forward-looking statements to reflect subsequent events or circumstances, except as required by law. Although the Company believes that the expectations expressed in these forward-looking statements are reasonable, it cannot guarantee that such expectations will prove correct. The Company cautions investors that actual results may differ materially from those anticipated and encourages investors to review other factors that may affect its future results in the Company’s registration statement filed with and declared effective by the SEC and other filings with the SEC, available at www.sec.gov.

OBOOK Holdings Inc. Media Relations
Michael Hsu, Public Relations Director
pr_office@owlting.com

__________________________________
¹ USDC is issued by regulated affiliates of Circle. A list of Circle’s regulatory authorizations can be found at circle.com/en/legal/licenses
² According to FXC Intelligence, the cross-border payments market is worth over $194tn and is forecast to reach $320tn by 2032. Please see: https://www.fxcintel.com/research/press-releases/new-data-cross-border-payments-market-now-worth-over-194tn-and-is-forecast-to-reach-320tn-by-2032#:~:text=January%2016th%2C%202025-,NEW%20DATA:%20cross%2Dborder%20payments%20market%20now%20worth%20over%20$194,(CAGR)%20of%206.2%25
³ According to Statista, total transaction value in the European Inward Remittances market is projected to reach US$212.67bn in 2025. Please see: https://www.statista.com/outlook/fmo/payments/remittances/inward-remittances/europe?currency=USD&srsltid=AfmBOorfM_UX_DK8_Q_WPId8UojHIyF5yW6y3Dsjj3k0E2RZ0jLD7JhZ
⁴ According to Agusto & Co, remittance flows coming from Nigeria’s diaspora community is projected to reach $26 billion by 2025. Please see: https://nairacompare.ng/blogs/diaspora-remittance-trends-sending-money-to-nigeria
⁵ Availability may vary by jurisdiction and is subject to change. As of November 2025, OwlTing Group has obtained MTL licenses or their equivalent in 39 U.S. states and is applying for licenses in additional states. The Company has now expanded its regulatory footprint in 40 U.S. States. For a list of U.S. licenses obtained, please see https://www.owlting.com/owlpay/licenses?lang=en.

A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/49656acf-fecd-4270-9678-af803eaef777

FAQ

What does OwlTing's Circle Payments Network (CPN) integration mean for OWLS shareholders?

The integration makes OwlTing an OFI in CPN, enabling near-instant USDC settlements and broader cross-border corridors that could support payments growth.

When did OwlTing (OWLS) complete its CPN integration?

OwlTing announced completion of the CPN integration on December 4, 2025.

Which markets does OwlTing (OWLS) initially target with CPN stablecoin payments?

The initial rollout focuses on Brazil, Nigeria, and the European Union.

Which stablecoin will OwlTing (OWLS) use for near-instant settlements on CPN?

OwlTing cites use of regulated stablecoins such as USDC for near-instant settlements.

What regulatory licenses does OwlTing (OWLS) hold to support stablecoin payments?

OwlTing holds Money Transmitter Licenses in 39 U.S. states, a VASP license in Europe, and an Electronic Payment Intermediary (Bank API) license in Japan.

Does OwlTing (OWLS) have regulatory coverage in Hong Kong, Singapore, and Latin America yet?

OwlTing is pursuing additional licensing in Hong Kong, Singapore, and Latin America but has not confirmed approvals.