Oner Network

About the offering

Oner Network - Company Summary Overview Oner Network is building the payment infrastructure that processes any transaction for under 1 cent in under 1 second, whether sending $1 or $1 billion. While traditional payment systems charge $15-50 per transfer and take days, Oner has built an always-on network serving people sending money globally, businesses running operations at scale, and AI agents executing autonomous transactions. The company is not another payment app—it's the infrastructure layer that others build on, backed by reserve assets and stablecoin infrastructure that generates returns from reserves while keeping transaction fees near-zero. The Problem & Market Opportunity Money moves too slowly across borders at enormous cost. International transfers take 1-5 days and cost approximately 6.26% in fees (example: sending $200 to Tanzania costs $115 in fees—57.5%). Roughly 99% of stablecoins are controlled by single issuers, creating systemic risks and limiting practical use. Century-old financial infrastructure wasn't built for AI agents to transact on behalf of humans or support machine-to-machine payments. Approximately 1.3 billion people remain unbanked with no access to global financial services. The convergence creates massive opportunity: cross-border payments reaching ~$320 trillion by 2032 (from $194T today); the stablecoin supercycle growing to ~$3 trillion by 2028 (~11x growth in 3 years); and the AI agent economy reaching $236 billion by 2034, with each agent needing transaction capabilities. Solution: Three Core Pillars The Network: Oner is the unified network for the world's money—global, scalable, and compliant by design, enabling instant, 24/7, low-cost value transfers across previously fragmented networks. The Products: A truly internet-native financial system including a multi-issuer regulated digital dollar, global card linked to that currency, real-time cashback rewards, and more. The system is instant, nearly free, and endlessly scalable by default. The Model: A profitable financial model from day one with multiple revenue streams creating continuous compounding value. Unlike many startups, Oner earns revenue from day one (e.g., interest on reserves via US Treasury Bills) rather than years later. Technology & Key Innovations Multi-Issuer Stablecoin Network: Launching a fully-backed digital dollar issued by multiple regulated institutions for billions of users worldwide, layering value-added services like rewards on top. Global stablecoin demand is set to grow ~11x by 2028, unlocking a $3T opportunity pulled directly into Oner. The multi-issuer structure provides enhanced resilience with no single point of failure. AI-Native Income Network: The built-in income layer "understands" users and helps them earn real spendable money via instant cashback, rewards, and other automated income streams across both blockchain and traditional channels. Unlike traditional systems with delayed cashback or complex redemption rules, Oner offers instant cashback, AI-optimized rates (always getting the best deal), universal acceptance (works everywhere), and stackable benefits. Infrastructure Advantages: Settlement in ~1 second, fees under $0.01, 24/7/365 availability across 180+ countries, 150M+ merchant locations, all major wallets supported, regulatory-first approach with fully licensed issuers, monthly attestations, and annual audits. Business Model: Six Revenue Streams Interest on Stablecoin Reserves: Recurring yield from US Treasury Bills backing stablecoins (grows with stablecoin circulation) Network Fees: Micro-fee on every transaction, similar to Visa/Mastercard (scales with transaction volume) Card and FX Revenue: Interchange fees and currency spreads (daily usage growth) Brand-Funded Income: Commissions, affiliate & sponsored rewards (partner expansion) Agent Automation: Tiny fees from micro-transactions from bots, apps, and AI agents (AI adoption surge) B2B and White-Label: Enterprise tools, licensing, and co-issuing (enterprise scale) Oner sits at the intersection of three proven business models: Global Payments Networks (Visa ~$670B, Ripple ~$186B); Stablecoin/Digital Dollar Networks (Tether ~$163B, USDC ~$37B); and Income Networks (Rakuten ~$12B, Ibotta ~$0.6B). Regulatory & Compliance Oner was built for compliance from day one. In July 2025, the GENIUS Act (S.1582) was signed into law, establishing the first federal stablecoin framework and clearing the path for mainstream adoption. The EU's MiCA regulation and US GENIUS Act provide the legal frameworks for stablecoin operations, positioning Oner to capitalize on newly clarified regulations. Pre-Launch Traction 10+ blockchains integrated for maximum interoperability 35+ experts on team and advisory board $100K+ pre-launch awareness demonstrating market interest 100+ platforms committed to integrate 170+ active partner discussions underway Tech-ready and regulatory partners engaged Engaged with regulated issuer in both US and EU Smart contracts audited and tested Sub-1-second, sub-$0.01 transactions tested for real-time movement Trademarks filed, patents in process Revenue-ready infrastructure deployed Leadership & Team World-class team with decades of experience building and scaling products across high-growth companies, with deep expertise in fintech, payments, digital assets, and global marketing. Team members have backgrounds from JPMorgan Chase, IBM, Goldman Sachs, Oracle, Airbnb, Standard Chartered, HP, Adobe, Intel, Citibank, Credit Suisse, International Monetary Fund, Dentsu, Unilever, World Bank Group, and more. Azim Ghader (Co-Founder): "We're not competing with Visa or Circle. We're building the layer they'll all plug into." Semih Ergür (Former SVP at Citibank, Non-Executive Director): "People, businesses, and AI agents need a faster, cheaper, always-on, globally connected, AI-native financial network." Sandeep Sharma (ex-Intel/IBM/Oracle, Strategic Advisor): "Oner is built as a network of networks — each layer designed to unlock a different kind of value – and all layers working in synergy to unlock multiplicative value." Investment Terms Platform: Wefunder (SEC-registered funding portal, FINRA member CRD #283503) Security Type: SAFE (Simple Agreement for Future Equity) Valuation Cap: $45M (strategic entry point supported by independent higher valuations) Early-Bird Bonus: 20% for first $250K invested Minimum Investment: $100 Maximum Raise: $5M Conversion Trigger: Growth (standard SAFE conversion at lower of $45M cap OR next round price) Two independent third-party valuation reports support the $45M+ valuation, with detailed methodologies by certified appraisers. Impact Mission Every dollar invested multiplies into real-world impact: extending financial access to billions worldwide, cutting remittance fees so families keep more, unlocking opportunities in 180+ countries, breaking barriers to basic financial services, and driving social impact alongside sustainable growth.

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