Company: OWLS
Filing Date: 2025-09-19
Form Type: F-1/A
Source: 0001193125-25-208098
Chunk: 182

Company: OBOOK HOLDINGS INC.
Filing Date: 2025-09-19
Form: F-1/A
Chunk 182
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 further expanding the practical use cases of stablecoins in daily life.

OwlPay Infrastructure Solutions

For third-party wallet providers, financial institutions, and platform operators with existing technical
capabilities seeking cross-border payment solutions, we offer infrastructure solutions that grant direct access to our core capabilities and enable a smooth transition into Web3.

OwlPay Harbor

OwlPay Harbor is our proprietary API package that enables third-party users to access our conversion
services—between fiat currencies and stablecoins, as well as between USDC across different blockchains—along with stablecoin based payment gateway solutions and payout capabilities. Through relationships with Circle, the digital assets
exchange Coinbase Prime, and our collaborating banks, we are able to offer customers to convert from fiat currency via wire or ACH to USDC, and vice versa, given more favorable conversion rates, to collect USDC from their end users, and to
facilitate payouts to their suppliers or recipients in either USDC or 10 local currencies, supporting diverse global use cases. We currently

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operate as a “Stellar Anchor”, with conversion services between USD and USDC tailored to the Stellar Network, and support various EVM-compatible blockchains and Solana. We have also
launched conversion services between USDC on Ethereum and USDC on the Stellar network. As our services expand, we expect to connect with additional stablecoins issuers, digital assets exchanges to enhance our conversion capabilities. This includes
on/off-ramping for stablecoins such as EURC, ZUSD, and GYEN, and supporting conversions between various stablecoins, including USDC to ZUSD and vice versa. We also leverage Circle’s Cross-Chain Transfer Protocol (CCTP) to enable seamless
transfers of USDC across supported blockchains, enhancing the user experience by reducing friction in blockchain switching. See “—Our Third-Party Collaborations.”

We currently utilize and hold a range of existing digital assets as an operational necessity to enable our stablecoin-related
services. For on/off-ramp services, we currently support the conversion between USD and USDC on the blockchains Ethereum, Avalanche, Arbitrum, Polygon and OP Mainnet (all using the ERC-20 standard), as well as USDC on Stellar (using the Stellar
Asset standard) and USDC on Solana (using SPL standard). To enhance the convenience of transactions for our customers, OwlPay Wallet Pro handles the payment of the gas fees for hosted wallet customers for supported blockchains and the payment
of the gas fees for unhost