Company: OWLS
Filing Date: 2025-09-24
Form Type: F-1/A
Source: 0001193125-25-213968
Chunk: 181

Company: OBOOK HOLDINGS INC.
Filing Date: 2025-09-24
Form: F-1/A
Chunk 181
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-transaction handling fees, while the percentage-based transaction fees for foreign exchange conversion from cross-border
transactions would contribute to the bulk of our revenue in our payout operations. The transaction fee percentage rates for foreign exchange conversion may vary based on the currency being converted and the jurisdictions where the customer is
onboarded. We monitor market exchange rate fluctuations and aim to offer our customers a competitive foreign exchange rate.

– Virtual Card Solutions

We cooperate with credit card issuers and card networks such as VISA to provide virtual credit
card services. Business customers can apply for singular corporate-owned root or “primary” cards from our collaborating issuers and utilize VISA’s virtual card functions to generate multiple
sub-virtual cards to pay suppliers or employees’ travel and miscellaneous expenses. For business customers who wish to utilize the virtual card solution, OwlPayPayment provides a platform
to manage their payments and automatic payout process. We charge a certain percentage transaction fee based on the transaction amount.

– Instant Card Account Payments

We expect to further develop and release services that would integrate payment services offered by card networks, such as VISA
Direct, to provide our customers a convenient way to send funds from a bank or card account to another party’s card or bank account within the same card network. This service will enable our customers to send and receive funds nearly instantly
and with lower fees compared to traditional SWIFT transfers. Also, we can execute various fiat currency exchange through VISA’s network. We will charge a certain percentage transaction fee and exchange fee based on the transaction amount.

OwlPay Wallet Pro

A. Wallet Services

We provide a hosted wallet for businesses and unhosted wallet to individuals that support sending,
receiving, and holding stablecoins, including USDC, EURC, ZUSD, and GYEN. For unhosted wallets, users can also send, receive, and hold native digital assets such as ETH on Ethereum, AVAX on Avalanche, MATIC on Polygon, and SOL on Solana. Our wallet
services allow businesses and individuals to transfer funds within minutes across the globe, all within standard security and compliance infrastructure on par with a traditional financial institution. To enhance the convenience of transactions for
our customers, we handle the payment of the gas fees for hosted wallet customers for supported blockchains and the payment of the gas fees for unhosted wallet customers on Stellar, so that our customers do not need to hold the native digital assets
corresponding to the transaction chains. We charge business customers for our hosted wallets on initial setup