Owlting Group (NASDAQ: OWLS) and Decaf Open U.S. Dollar Accounts Beyond the United States on OwlPay Harbor
Owlting earns fees on payments flowing through Decaf Business, which has been in production on Harbor since August 2026.
Sentiment and the balance of points
Rhea-AI Sentiment reads the wording of the document, how positive or negative its language is on a 1 to 5 scale. The balance of points shown with the takes weighs what the document actually discloses, so the two can disagree, for example when a trial that missed its main goal is described in upbeat language.
Rhea-AI Summary
Owlting Group (NASDAQ: OWLS) announced that Decaf Business is opening U.S. dollar accounts to eligible businesses and organizations incorporated outside the United States. Decaf Business has operated on OwlPay Harbor since August 2026. Customers can hold accounts in their own names without establishing a U.S. entity; access depends on incorporation jurisdiction, business verification and compliance requirements. Decaf handles customers and onboarding, while Owlting supplies licensed payment infrastructure and earns fees on payment volume.
Owlting secured a Connecticut money transmitter license in September, extending payment operations to 43 U.S. states. The company expects eligible non-U.S. debit-card payouts by year-end 2026 and continues toward its target of surpassing US$1 billion in cumulative OwlPay processed payment volume by that date. Decaf customers intend to begin paying suppliers in China and Singapore through Harbor.
How this balance works
Rhea-AI gives every point it takes from this document a weight. Minor counts 1, Moderate 3 and Major 9, so one Major point outweighs several Minor ones. The bar adds up the weights on each side, and when neither side holds more than 65% of the total the balance reads Mixed.
It reads the document as published, with the same rules for every company, and it does not look at what the market expected or at how the stock traded, so a point can be objectively good on a day the stock falls.
Rhea-AI Sentiment measures something else, the tone of the wording.
Hollow bars mark forward-looking points. How the balance works
Positive
- Moderate pointConnecticut money transmitter license secured in September 2026 extended payment operations to 43 U.S. states.
- Minor pointDecaf Business has operated on Harbor since August 2026, with Owlting earning payment-volume fees.
- Minor pointDollar-account access now extends to eligible non-U.S. businesses and organizations without establishing a U.S. entity.
- Minor point. Forward-looking: it has not happened yet and may not happen.Non-U.S. debit-card payouts are expected to be enabled by the end of 2026.
- Minor point. Forward-looking: it has not happened yet and may not happen.Decaf Business customers intend to begin paying suppliers in China and Singapore using Harbor.
2 minor points
- Minor point. Forward-looking: it has not happened yet and may not happen.OwlPay cumulative processed payment volume remains targeted to surpass US$1 billion by the end of 2026.
- Minor point. Forward-looking: it has not happened yet and may not happen.Additional platform integrations are expected by Owlting to expand payment corridors and volume.
Negative
- Minor pointNon-U.S. account access depends on incorporation jurisdiction, business verification and applicable compliance requirements.
- Minor pointPayment-method availability varies by customer and rollout status; payout coverage and delivery times vary by partner and method.
News Explained
Decaf’s reported
Key Figures
- Monthly payment volume
- US$48 million
- Decaf-reported platform volume; not Owlting transaction volume or revenue
- U.S. state coverage
- 43 states
- Owlting's expanded U.S. payment operations
- Overseas debit-card payouts
- By the end of 2026
- Owlting expects to enable payouts from overseas-held dollar accounts
- Cumulative processed volume target
- US$1 billion
- Previously stated OwlPay platform target by the end of 2026
Historical Context
-
OwlPay Harbor's August annualized volume reached US$255 million, with 84 contracted enterprise clients.
24h Move is the share-price change in the day after each event; other market factors may also have contributed.
Key Terms
stablecoins technical
ach financial
money transmitter license regulatory
AI-generated analysis. How Rhea-AI works. Not financial advice.
Decaf, a global payments platform reporting US
ARLINGTON, Va., Oct. 14, 2026 (GLOBE NEWSWIRE) -- Owlting Group (NASDAQ: OWLS) ("Owlting" or the "Company"), the operating brand of OBOOK Holdings Inc., a global fintech company building regulated payment infrastructure, today announced that Decaf, a global financial platform that makes stablecoins usable for everyday business payments, has embedded OwlPay Harbor1 as regulated payment infrastructure behind Decaf Business, its global business account platform, and is now opening U.S. dollar account access to eligible companies and organizations incorporated outside the United States.
Those customers can hold a U.S. dollar account in their own name, fund it, and pay suppliers, employees and contractors in the United States, without first setting up a U.S. entity.
Decaf, a payments platform that reported US
Decaf owns the customer, the onboarding and the interface. OwlPay Harbor runs underneath as the licensed payment infrastructure, the layer that takes years of licensing and bank integration to assemble, and Owlting earns fees on the payment volume that moves through it. Revenue from this channel therefore grows with Decaf's commercial execution and with the payment volumes of every business and organization on its platform, without a separate sales cycle for each customer.
“An exporter in Colombia and an aid organization working in a conflict zone have the same problem: getting dollars where they need to go, on time, through systems that were never designed to work together,” said Rick Martin, CEO, Decaf. “Stablecoins solved the movement of money years ago. What was still missing is licensed access to the dollar itself, and that is what we can now put in our customers' hands.”
“Infrastructure proves itself when other people build their products on it,” said Darren Wang, Founder and CEO, Owlting Group. “The economics are different from selling accounts one at a time: every corridor we add reaches a partner’s whole customer base at once. We expect more platforms to follow.”
What is live today
OwlPay Harbor powers U.S. dollar payments within Decaf Business. Eligible customers, now including companies and organizations incorporated outside the United States3, hold a U.S. dollar account in their own name, fund it by domestic wire and ACH, and hold balances as USDC stablecoin on the Stellar network. On the way out, Harbor supports U.S. domestic payouts by wire, ACH and RTP, and card payouts to eligible U.S. debit cards through its Visa Direct integration.4
Customers manage the whole flow from a single dashboard, with verification applied on a risk-based model according to transaction profile, size and applicable regulatory requirements. Businesses using the service today include U.S.-registered companies in the renewable energy equipment trade whose founders operate between Latin America and the United States, and whose finance teams move funds across the United States, Latin America and Asia.
A dollar economy that runs on dollar accounts
Latin America and the Caribbean traded US
Decaf operates across the region's most active stablecoin payment markets, including Colombia and Mexico, combining U.S. dollar accounts and local-currency rails with a cash network that serves businesses and individuals underserved by traditional banking. That reach gives OwlPay Harbor access to the region's trading companies, exporters, business operators and international organizations through a single connection.
Where conventional banking does not reach
Not all of the customers on these rails are trading companies. MedGlobal, a Chicago-based humanitarian health organization that delivers medical care in crisis-affected regions, and the International AIDS Society (IAS), the world’s largest association of HIV professionals with members in more than 170 countries, both use OwlPay Harbor through Decaf to fund and convert money for their programs, paying local staff and contractors, covering operating costs, and getting funds to the people those programs are meant to reach.
Those payments often go to destinations where conventional banking coverage is limited, including parts of the Middle East and North Africa, sub-Saharan Africa and Latin America. Decaf pairs OwlPay Harbor with its own network of local bank, card and cash payout partners, so an organization can use whichever method actually reaches a given destination.8
A donation program in Wyoming applies the same approach, with program funds held as stablecoins and each movement traceable on a public blockchain from arrival to payout.9
What comes next
Owlting expanded its U.S. payment coverage in September 2026, securing a money transmitter license in Connecticut and extending its payment operations to 43 U.S. states.10 Decaf Business customers will be able to send a payout from an overseas-held dollar account straight to a recipient’s eligible non-U.S. debit card and the bank account linked to it, a capability Owlting expects to enable by the end of 2026. The same customers intend to begin paying suppliers in China and Singapore using OwlPay Harbor’s payout coverage in Asia.
The Company continues to track toward its previously stated target of surpassing US
About Decaf
Decaf is a global payments platform for businesses, organizations and individuals. It combines non-custodial wallets and stablecoin settlement with bank, card and cash payment partners. Decaf Business enables customers to receive funds, make cross-border payments and manage individual or bulk disbursements through one interface.
About Owlting Group
Owlting Group (NASDAQ: OWLS) is the operating brand of OBOOK Holdings Inc., a global fintech company building regulated payment infrastructure, founded in Taiwan with subsidiaries across the United States, Japan, Poland, Singapore, Hong Kong, Thailand, and Malaysia. Its OwlPay platform is a fiat-digital currency hybrid payment solution that helps businesses move money across borders in the expanding digital economy. Recognized for rapid growth and industry leadership, Owlting was ranked No. 226 on the Financial Times and Statista “High-Growth Companies Asia-Pacific 2026” list with a
Forward-Looking Statements
This press release contains forward-looking statements within the meaning of applicable securities laws. These statements relate to future events or the Company’s future financial or operating performance and involve known and unknown risks and uncertainties that may cause actual results to differ materially from those expressed or implied by such statements. Forward-looking statements can often be identified by words such as “may,” “will,” “expect,” “anticipate,” “plan,” “intend,” “target,” “continue,” “believe,” “estimate,” or similar expressions. These forward-looking statements are based on the Company’s current expectations and assumptions and speak only as of the date of this announcement. The Company undertakes no obligation to update any forward-looking statements, except as required by law. Investors are cautioned not to place undue reliance on these statements and are encouraged to review the risk factors described in the Company’s filings with the U.S. Securities and Exchange Commission. Forward-looking statements in this press release include those regarding capabilities targeted for availability by the end of 2026, the intended future activities of Decaf and its customers, the Company's expectations for additional platform integrations, and its previously stated platform-wide transaction volume target, each of which is subject to risks and uncertainties, including regulatory requirements, partner and customer execution, and other factors outside the Company's control.
Digital Asset and Blockchain Disclaimer
References in this press release to digital assets, blockchain technologies, or stablecoins are for informational purposes only and do not constitute an offer to sell or a solicitation of an offer to buy any digital asset, security, or financial instrument. Digital asset markets are subject to significant volatility and regulatory uncertainty, and the availability of related products and services may be subject to regulatory approvals and compliance with applicable laws and regulations.
Third-Party Information
This press release may contain references to third-party companies, products, or services. Such references are provided for informational purposes only and do not constitute an endorsement, sponsorship, or recommendation by the Company unless expressly stated. Any third-party data or figures referenced in this release do not represent the Company's transaction volume or revenue.
Product Availability
Certain products or services described in this press release may not be available in all jurisdictions and may be subject to regulatory requirements and compliance with applicable laws and regulations.
Decaf Media Relations
media@decaf.so
Owlting Group Media Relations
pr_office@owlting.com
Owlting Group Investor Relations
ir@owlting.com
1 All money transmission services in the United States are provided by OwlTing USA, Inc. (NMLS ID: 2324336), a wholly owned subsidiary of OBOOK Holdings Inc.
2 Stellar Community Fund, 2025 Impact Report, published March 30, 2026. The Stellar Community Fund is an award program operated by the Stellar Development Foundation. The report states that Decaf reached US
3 Account access for entities incorporated outside the United States is subject to the applicant’s jurisdiction of incorporation, business verification and applicable compliance requirements. Availability of individual payment methods varies by customer and by rollout status.
4 The Company's Visa Direct integration, supporting eligible U.S. debit cardholders in funding USDC transactions across the OwlPay product suite, was previously disclosed. See "OwlTing Group (NASDAQ: OWLS) Expands Visa Collaboration to Support U.S. Debit Card Funding of USDC Transactions," issued April 9, 2026 via GlobeNewswire. https://www.globenewswire.com/news-release/2026/04/09/3270890/0/en/OwlTing-Group-NASDAQ-OWLS-Expands-Visa-Collaboration-to-Support-U-S-Debit-Card-Funding-of-USDC-Transactions.html
5 Economic Commission for Latin America and the Caribbean (ECLAC), United States–Latin America and the Caribbean Trade Developments 2025. In 2024, U.S. goods imports from the region totaled US
6 Board of Governors of the Federal Reserve System, The International Role of the U.S. Dollar – 2025 Edition, July 18, 2025. Figure represents the average share of trade invoicing in the Americas denominated in U.S. dollars over the period 1999–2019. https://www.federalreserve.gov/econres/notes/feds-notes/the-international-role-of-the-u-s-dollar-2025-edition-20250718.html
7 Chainalysis, 2025 Global Crypto Adoption Index. Latin America recorded
8 Payout coverage, recipient requirements and delivery times vary by payout partner and payment method.
9 The blockchain transaction record reflects transfers of program funds between wallets and accounts. It complements, and does not replace, an organization’s own accounting, recipient verification and reporting, and it does not establish how recipients use funds after receipt. Bank and card partners continue to handle the fiat portions of each payment.
10 As of September 30, 2026, Owlting Group has obtained Money Transmitter Licenses or their equivalent in 42 U.S. states and is applying for licenses in additional states. The Company has now expanded its regulatory footprint to 43 U.S. states, and it also operates under an Electronic Payment Intermediary Service Provider (Bank API license) in Japan. For a list of global licenses obtained, see https://www.owlting.com/owlpay/licenses?lang=en.
11 The Company's previously stated target to surpass US
A photo accompanying this announcement is available at https://www.globenewswire.com/NewsRoom/AttachmentNg/bd4c5afc-814c-43fe-aef7-47d0fbd846b9
FAQ
AI-generated questions and answers. How Rhea-AI works. Not financial advice.
What does Owlting's Decaf Business integration offer companies outside the United States?
Eligible companies and organizations incorporated outside the United States can obtain a U.S. dollar account in their own name through Decaf Business without establishing a U.S. entity. OwlPay Harbor provides the licensed payment infrastructure. Access is subject to incorporation jurisdiction, business verification and applicable compliance requirements.
What payment-volume target is Owlting pursuing for the end of 2026?
Owlting continues toward its target of surpassing US$1 billion in cumulative processed payment volume across OwlPay by the end of 2026. The target covers both fiat, or conventional currency, and stablecoin payments; it is a processing-volume target, not a revenue target.
How do Decaf Business customers fund and hold balances through OwlPay Harbor?
Eligible customers fund their accounts by domestic wire and ACH, a bank-transfer method, and hold balances as USDC stablecoin on the Stellar network. U.S. payouts are supported through wire, ACH, real-time payments and eligible debit cards. Individual payment-method availability varies by customer and rollout status.