Owlting Group's OwlPay Harbor regulated payment infrastructure now powers Decaf Business, enabling non-US companies and organizations to hold US dollar accounts via USDC on Stellar. Accounts fund via ACH and wire, with payments to US suppliers, employees, contractors, and international recipients via card, wire, and RTP—no US entity required.
Owlting Group embedded OwlPay Harbor as the regulated infrastructure layer behind Decaf Business, a stablecoin payments platform. Non-US companies and organizations can now hold US dollar accounts in their own names, fund them via ACH and domestic wire, and make payments across the US and internationally without establishing a US entity. Balances are held as USDC on Stellar, with outbound payments supporting domestic wire, ACH, RTP, and Visa Direct card payouts. Current users include renewable energy companies routing funds across the Americas and Asia, as well as humanitarian organizations including MedGlobal and the International AIDS Society, which use OwlPay Harbor to fund programs across Africa, the Middle East, and North Africa. Latin America and the Caribbean trade $1.18 trillion annually with the US, with 96% invoiced in USD; the region has seen 63% year-on-year growth in on-chain value received. Owlting secured a Connecticut money transmitter license in September 2026, extending coverage to 43 US states and enabling non-US debit card payouts by year-end.