OwlTing Group is a Taiwan-based technology company that operates OwlPay, a cross-border payments platform built on blockchain infrastructure. OwlPay functions as a multi-rail settlement layer, enabling businesses and individuals to move money across borders using fiat currencies or stablecoins (primarily USDC) through a single compliance framework. The platform supports VISA Direct, the Circle Payments Network, the Stellar Network, and ACH/wire transfer. OwlTing earns revenue through transaction processing fees, FX spreads, fiat-to-stablecoin on/off-ramp fees, and setup and maintenance fees charged to enterprise clients. The most strategically important product is OwlPay Harbor, an API-based offering that lets financial institutions and platform operators embed OwlPay's full payment stack into their own services — allowing OwlTing to scale volume without acquiring every end user directly. As of April 2026, OwlPay Harbor had 29 contracted enterprise clients. OwlTing also operates two smaller, mature businesses: a hospitality software segment (OwlNest property management software with ~2,800 hotel subscribers, plus an online travel agency) and an e-commerce platform connecting Taiwanese farmers and small businesses with consumers. These two segments together account for roughly 44% of revenue and serve as cross-selling channels for OwlPay. OwlTing has invested heavily in regulatory licensing, holding 39 U.S. state money transmitter licenses and registrations in Japan, Poland, and elsewhere, which the company argues is a differentiator for enterprise clients seeking regulatory certainty.