Company: OWLS
Filing Date: 2025-09-24
Form Type: F-1/A
Source: 0001193125-25-213968
Chunk: 8

Company: OBOOK HOLDINGS INC.
Filing Date: 2025-09-24
Form: F-1/A
Chunk 8
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 provides a hosted wallet for business customers and an unhosted
wallet for individual users, supporting stablecoin on/off-ramp services and enabling both business and individual customers to receive and send money both domestically and internationally within minutes, with stablecoins over the public blockchain
ledgers Ethereum, Avalanche, Polygon, Optimism, Arbitrum and Stellar. In addition, OwlPay Wallet Pro recently introduced a digital gift card service in the U.S., allowing users to purchase and redeem gift cards directly with USDC, thereby
extending the everyday utility of stablecoins in retail and consumer payments. We also provide an infrastructure solution: OwlPay Harbor—our proprietary API packages—provides the functionalities of payment gateway collection of
customers fund via stablecoins, on/off-ramp between fiat currencies and stablecoins, cross-chain transactions between USDC across different blockchains, and payout capabilities, empowering third-party wallet providers, financial institutions, and
platform operators requiring cross-border payment solutions to offer stablecoin-based payment gateways, on/off-ramp services, cross-chain transactions, and payouts to their end users by leveraging our infrastructure. We currently provide these API
packages across multiple blockchains, including EVM-compatible networks, the Solana network, and the Stellar network, where we serve as a “Stellar Anchor”. We also plan to provide Wallet-as-a-Service (WaaS), allowing enterprises to
customize and deploy wallets for their end users.

For our end customers holding a wallet with our OwlPay Wallet Pro, we provide
the on/off-ramp services to facilitate conversion between USDCs and U.S. dollars, both directly interfacing our products and through our third-party collaborators and service providers, MoneyGram and MoonPay. For business customers that wish to
leverage USDC, we offer on/off-ramping services via wire transfers and automated clearing houses (“ACH”). For individual customers, we offer on/off-ramping services via wire transfers and ACH, as well as via cash and credit card
leveraging our collaborations with MoneyGram and MoonPay, respectively. We plan to further expand our on/off-ramping capabilities via debit cards using VISA Direct. Such conversion services are also available to customers of third-party wallet
providers or financial institutions using OwlPay Harbor, our proprietary API package that enables third-party users to access our conversion capabilities, between fiat currencies and stablecoins, as well as between USDC across different
blockchains (which also integrates stablecoin-based payment gateway solutions and payout capabilities). All transactions are within standard security and compliance infrastructure