Oner Network

About the offering

Oner Network is a fintech startup based in New York, NY, raising its second crowdfunding round on Wefunder after completing Round 1 with 250+ investors. The company is building what it describes as 'the intelligent financial network' — a payment infrastructure layer designed to process any transaction for under 1 cent and under 1 second, regardless of transaction size ($1 to $1 billion). The platform targets three main user segments: individuals sending money globally, businesses running large-scale payment operations, and AI agents executing autonomous machine-to-machine transactions. Oner's core product is a multi-issuer digital dollar (stablecoin) backed by reserve assets (e.g., U.S. T-bills), which generates interest income to subsidize near-zero transaction fees. The stablecoin is intended to be spendable anywhere Visa or Mastercard is accepted and includes a built-in cashback feature. The revenue model relies primarily on reserve asset yields rather than per-transaction fees, positioning it as infrastructure rather than a consumer payment app. The company emphasizes regulatory readiness, citing the passage of the GENIUS Act as validation of its compliance-first approach. It also highlights AI-native architecture that enables machine-to-machine payments — a capability it claims legacy systems cannot support. The team consists of 35+ professionals with backgrounds from JPMorgan, Goldman Sachs, IBM, the IMF, the World Bank, and the London Stock Exchange Group (LSEG). As of the campaign snapshot, Oner had raised approximately $138,822 from 247 investors in the current round, with a goal of $179,120. Minimum investment is $200. Early bird investors receive a 15% bonus on the first $100K raised. The company is incorporated and operating from New York, NY, and lists its contact as investors@oner.network. Notable investor commentary references the potential for Oner to become a 'SWIFT 2.0' for digital assets. Key risks flagged by prospective investors include stablecoin de-pegging risk, quantum security vulnerabilities in crypto infrastructure, competition from established players like PayPal and Wise, and uncertainty around long-term interest rate sustainability for the reserve-yield revenue model.

FAQ