{"data":{"type":"company_profile","id":184696,"entity_id":"wefunder:company:184696","attributes":{"canonical_url":"https://wefunder.com/oner","generated_at":"2026-05-23T04:24:52Z","updated_at":"2026-05-22T21:03:38Z","entity_ids":{"company":"wefunder:company:184696","slug":"wefunder:company_slug:oner"},"profile_visibility":{"owner_published":true,"public_search_results":true,"site_search_listed":true,"privacy_mode":"promote","invite_only":false},"provenance":{"source":"wefunder_public_company_profile","as_of":"2026-05-23T04:24:52Z","claims":{"total_amount_raised":{"source":"FrontCompanySummary#amount_raised","last_verified_at":"2026-05-22T21:03:38Z","as_of":"2026-05-23T04:24:52Z","confidence":"high"},"total_investors":{"source":"FrontCompanySummary#number_of_investors","last_verified_at":"2026-05-22T21:03:38Z","as_of":"2026-05-23T04:24:52Z","confidence":"high"},"active_raise_states":{"source":"Fundraise.visible(nil, nil)","last_verified_at":"2026-05-01T05:07:04Z","as_of":"2026-05-23T04:24:52Z","confidence":"high"},"latest_fundraise_state":{"source":"Fundraise.visible(nil, nil).order(funding_started_at)","last_verified_at":"2026-05-01T05:07:04Z","as_of":"2026-05-23T04:24:52Z","confidence":"medium"}}},"company":{"id":184696,"entity_id":"wefunder:company:184696","slug":"oner","name":"Oner Network","tagline":"The Intelligent Financial Network for Faster, Fairer Payments Worldwide","story":"We're building Oner Network—the payment infrastructure that processes any transaction for under 1 cent in under 1 second, whether you're sending $1 or $1 billion. Traditional payment systems charge $15-50 per transfer and take days. We've built the always-on network that serves people sending money globally, businesses running operations at scale, and AI agents executing autonomous transactions.Our model works because we're backed by reserve assets and stablecoin infrastructure—generating returns from reserves while keeping transaction fees near-zero. We're not another payment app—we're the infrastructure layer that others build on, capturing our share of the global payments and stablecoin market.Invest from $100 | Schedule a Meetinginvestors@oner.networkReserve from $100 | Schedule a Meetinginvestors@oner.network | +1 (212) 220-5747Future projections, such as profitability, are not guaranteed.Invest from $100 | Schedule a Meetinginvestors@oner.network | +1 (212) 220-5747Invest from $100 | Schedule a MeetingFuture projections are not guaranteed.Reserve from $100 | Schedule a MeetingInvest from $100 | Schedule a Meetinginvestors@oner.network","location":"New York, NY","website":"https://oner.network/","total_amount_raised":129120,"total_investors":242,"is_funded":true,"is_active":true,"quality_score":2,"related_urls":["https://wefunder.com/oner","https://oner.network/"]},"media":{"share_image_url":"https://uploads.wefunder.com/uploads/company/header_media_photo/184696/xxl_blob.jpg","logo_url":"https://uploads.wefunder.com/uploads/company/logo/184696/large_blob.png","header_media_url":"https://uploads.wefunder.com/uploads/company/header_media_photo/184696/standard_blob.jpg","cover_photo_url":"https://uploads.wefunder.com/uploads/company/header_media_photo/184696/standard_blob.jpg"},"links":{"company_url":"https://oner.network/","linkedin_url":"https://linkedin.com/company/OnerNetwork","twitter_url":"https://x.com/OnerNetwork","instagram_url":"https://instagram.com/OnerNetwork","blog_url":"https://t.me/onernetwork"},"highlights":[],"quick_facts":[{"index":1,"claim_id":"claim-fact-1","value":"Unlock Early Bird Bonus. First $250K also gets a 20% bonus — limited-time reward for early backers."},{"index":2,"claim_id":"claim-fact-2","value":"A faster, cheaper, and accessible approach to global payments for humans and AI."},{"index":3,"claim_id":"claim-fact-3","value":"Innovative Multi-Issuer Digital Dollar. Built-in cashback. Spend anywhere Visa or Mastercard works."},{"index":4,"claim_id":"claim-fact-4","value":"Designed by a World-Class Team of 35+ from JPMorgan, Goldman Sachs, IBM, IMF, World Bank, LSEG, etc."},{"index":5,"claim_id":"claim-fact-5","value":"Regulatory-First \u0026amp; Launch-Ready. The GENIUS Act is law. We’ve built for this moment."},{"index":6,"claim_id":"claim-fact-6","value":"AI-native design: Enables machine-to-machine payments that legacy systems cannot support."}],"team":[{"id":5771904,"entity_id":"wefunder:company_role:5771904","user_entity_id":"wefunder:user:4738958","role":"founder","name":"Oner Network","title":"Team Oner Network","bio":"The Oner team of 35+ features experts from JPMorgan, World Bank, IBM, Goldman Sachs, Credit Suisse, Oracle, Unidef \u0026amp; Polygon. We have built/scaled products used by millions, and led infra and global brands. 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Brings board-level and cybersecurity expertise to strengthen Oner’s institutional trust and global governance.","avatar_url":"https://uploads.wefunder.com/uploads/company_role/custom_photo/5802706/square_blob.jpg?1777548968","related_urls":[]},{"id":5802753,"entity_id":"wefunder:company_role:5802753","role":"employee","name":"Semih Ergür","title":"Non-Executive Director","bio":"39 years as a Banking Executive. Former SVP at Citibank (Turkey) and Deputy Chairman at Aktif \u0026amp; BKT Banks. Provides Oner with deep expertise in governance, banking strategy, and cross-border financial management to drive institutional expansion.","avatar_url":"https://uploads.wefunder.com/uploads/company_role/custom_photo/5802753/square_blob.jpg?1777548968","linkedin_url":"https://linkedin.com/in/semih-erg%C3%BCr-01821689/","related_urls":[]},{"id":5770604,"entity_id":"wefunder:company_role:5770604","role":"employee","name":"Ankur Mehrotra","title":"Advisor","bio":"23 years as a Fintech Executive. 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Former CEO of VAB Bank (Ukraine – Commercial Banking), Chairman at Banka CREDITAS (Czechia – Retail Banking), and Ex Citi, IBM. Advises Oner on regulated banking, licensing, and cross-border strategy.","avatar_url":"https://uploads.wefunder.com/uploads/company_role/custom_photo/5802760/square_blob.jpg?1777548968","linkedin_url":"https://linkedin.com/in/petr-rasocha","related_urls":[]},{"id":5802783,"entity_id":"wefunder:company_role:5802783","role":"employee","name":"Kedarnath Rentala","title":"Technical (Advisor)","bio":"25-years in fintech \u0026amp; payments. VP at Razorpay (India – Digital Banking Platform).Associate VP at Financial Software \u0026amp; Systems (Fintech Services) and Ex- Citi. Spearheaded major white-label banking products and partner integrations.","avatar_url":"https://uploads.wefunder.com/uploads/company_role/custom_photo/5802783/square_blob.jpg?1777548968","linkedin_url":"https://linkedin.com/in/kedarnathrentala","related_urls":[]},{"id":5802762,"entity_id":"wefunder:company_role:5802762","role":"employee","name":"Sandeep Sharma","title":"Global Marketing (Advisor)","bio":"32 years as a Marketing \u0026amp; Growth Advisor. Former IBM, Oracle, HP, and Intel, leading global campaigns across B2B tech and emerging markets. Guides Oner’s brand, Go To Market, and fintech expansion with deep expertise in digital, partnerships, and scale.","avatar_url":"https://uploads.wefunder.com/uploads/company_role/custom_photo/5802762/square_blob.jpg?1777548968","linkedin_url":"https://linkedin.com/in/sharmasandeepk","related_urls":[]},{"id":5802765,"entity_id":"wefunder:company_role:5802765","role":"employee","name":"Yu-Shik Kim","title":"Asia-Pacific (Advisor)","bio":"29 years as Digital Commerce Executive. Former CEO of n11.com (E-commerce Platform). SVP at SK Group (Korea – Conglomerate \u0026amp; Telecom). Advisor to LG Electronics (Korea – Consumer Electronics). Guides Oner’s Go-To-Market partnerships, and ecosystem growth.","avatar_url":"https://uploads.wefunder.com/uploads/company_role/custom_photo/5802765/square_blob.jpg?1777548968","linkedin_url":"https://linkedin.com/in/yu-shik-kim-0a58a04","related_urls":[]},{"id":5801758,"entity_id":"wefunder:company_role:5801758","user_entity_id":"wefunder:user:4852666","role":"employee","name":"Sthuthi Peter","title":"Global Operations","bio":"6-year cross-border fintech operations specialist, Founding team at Oner, Sr. Ops at Unidef Global (Digital Asset Network). Sthuthi oversees and scales cross-border operational infrastructure and fintech operations across global jurisdictions.","avatar_url":"https://uploads.wefunder.com/uploads/company_role/custom_photo/5801758/square_blob.jpg?1777548968","profile_url":"https://wefunder.com/sthuthi.peter","linkedin_url":"https://linkedin.com/in/sthuthipeter","related_urls":["https://wefunder.com/sthuthi.peter"]},{"id":5802766,"entity_id":"wefunder:company_role:5802766","role":"employee","name":"Keshav Tyagi","title":"Finance \u0026 Capital Planning","bio":"14 years in Finance \u0026amp; Fintech. Ex-AVP at Paytm (India’s Digital Banking Giant) and former Analyst at Citigroup. Keshav drives Oner’s financial structuring and capital planning, blending Paytm’s digital scale with Citi’s institutional rigor.","avatar_url":"https://uploads.wefunder.com/uploads/company_role/custom_photo/5802766/square_blob.jpg?1777548968","linkedin_url":"https://linkedin.com/in/keshavtyagi07","related_urls":[]},{"id":5802773,"entity_id":"wefunder:company_role:5802773","role":"employee","name":"Nikunj Sanghi","title":"Corporate Finance","bio":"13 years as a Finance Expert. Ex-VP at Paytm (India’s digital banking giant) and Ex-KPMG \u0026amp; EY. Nikunj led M\u0026amp;A tax, restructuring, and cross-border deals. At Oner, he drives capital-efficient scaling with sharp investor and corporate finance strategy.","avatar_url":"https://uploads.wefunder.com/uploads/company_role/custom_photo/5802773/square_blob.jpg?1777548968","linkedin_url":"https://linkedin.com/in/nikunj-sanghi-95412956","related_urls":[]},{"id":5802774,"entity_id":"wefunder:company_role:5802774","role":"employee","name":"Ignacio Antonio","title":"Senior Marketing Manager","bio":"18 years in digital marketing leader. Ex-Zoetis LATAM strategy lead, Ex-Comms Head at ONG Bitcoin Argentina (Web3 NGO, BID-backed), Consultant to clients like the World Bank. Helps Oner on growth, brand, and civic impact.","avatar_url":"https://uploads.wefunder.com/uploads/company_role/custom_photo/5802774/square_blob.jpg?1777548968","linkedin_url":"https://linkedin.com/in/ignacioa","related_urls":[]},{"id":5802777,"entity_id":"wefunder:company_role:5802777","role":"employee","name":"Nayna Agarwal","title":"Associate Director, Communications","bio":"8 years as a Brand \u0026amp; Media Strategist. Ex-Manager at Kalkine Media (B2B/fintech PR across 5 countries) and Ex-CNBC-TV18 (India’s top business news network). Nayna drives Oner’s brand, PR, and founder positioning with sharp fintech communication expertise.","avatar_url":"https://uploads.wefunder.com/uploads/company_role/custom_photo/5802777/square_blob.jpg?1777548968","linkedin_url":"https://linkedin.com/in/nayna-agrawal-bb92931aa","related_urls":[]}],"featured_investors":[{"id":12568,"entity_id":"wefunder:company_investor_profile:12568","investor_profile_id":2032025,"investor_profile_entity_id":"wefunder:investor_profile:2032025","subject_entity_id":"wefunder:user:2555593","name":"Mirko Turrina","role_title":"","bio":"Serial Angel Investor","avatar_url":"https://wefunder.com/rails/active_storage/blobs/redirect/eyJfcmFpbHMiOnsiZGF0YSI6NjYyMTEyLCJwdXIiOiJibG9iX2lkIn19--b8b40148faca2335b9f2f8e1b28a0a2543c46f7f/filename","profile_url":"https://wefunder.com/mirkoturrina","endorsement_quote":"Oner Investment Thesis: A Rare \"All-Boxes-Checked\" Opportunity：Founder, Industry, Valuation and multiple potential Exit ways. It is rare to encounter start-up that could be Profitability from Day One and having such a Exceptional Leadership \u0026amp; Advisors team that could overcome execution and regulatory hurdles. This seems like a rare blend of innovation, scalability, and pragmatism. If the regulatory and adoption risks are mitigated, ONER could become the \"SWIFT 2.0\" for the digital asset era.\"","endorsement_name":"","investment_total":30000,"investment_info":"Invested $5,000 this round \u0026 $25,000 previously","is_lead_investor":true,"memo_paid_for_by_company":false,"related_urls":["https://wefunder.com/mirkoturrina"]}],"investor_memos":[],"tab_counts":{"posts":0,"ask_questions":22,"featured_investors":1,"faq_entries":5},"active_fundraises":[{"id":145245,"entity_id":"wefunder:fundraise:145245","state":"successful","offering_type":"4(a)(6)","funding_type":"note","structure":"ttw","security_type":"","currency":"USD","testing_the_waters":true,"min_purchase":100,"max_purchase":9,"funding_target":5000000.0,"minimum_target":"50000.0","maximum_target":"5000000.0"},{"id":145244,"entity_id":"wefunder:fundraise:145244","state":"successful","offering_type":"4(a)(6)","funding_type":"note","structure":"safe","security_type":"equity","currency":"USD","testing_the_waters":false,"min_purchase":100,"max_purchase":9,"funding_target":5000000.0,"minimum_target":"50000.0","maximum_target":"5000000.0","funding_started_at":"2025-12-02T02:56:13Z","funding_closed_at":"2026-05-01T03:59:59Z","auto_close_at":"2026-05-01T03:59:59Z"}],"latest_fundraise":{"id":145245,"entity_id":"wefunder:fundraise:145245","state":"successful","offering_type":"4(a)(6)","structure":"ttw","testing_the_waters":true,"can_invest_now":false,"funding_started_at":null,"funding_closed_at":null,"terms":{"eb":"$36M","nb":"$45M","txt":"valuation cap"}},"recent_posts":[],"q_and_a":[{"id":313901,"entity_id":"wefunder:comment:313901","question":"We welcome any questions you may have. Our team is here to provide information and help you better understand our work and vision.","author_name":"Oner Network","votes":14,"created_at":"2025-08-28T20:06:23Z","canonical_url":"https://wefunder.com/oner#question-313901","answers":[{"id":316749,"entity_id":"wefunder:comment:316749","answer":"We welcome any questions you may have. Our team is here to provide information and help you better understand our work and vision.","author_name":"Oner Network","votes":1,"created_at":"2025-10-10T16:28:38Z"}]},{"id":316300,"entity_id":"wefunder:comment:316300","question":"I understand that you are using Us backed securities to maintain the peg. 1) But what sort of collateralization will be used. US securities are very volatile at the moment. USDT depegged in 2022 and 2023, what lessons did Oner learned from this, and what solutions have you developed? 2) what percentage of the pre approved shares in your certificate of incorporation are currently outstanding?","author_name":"R Santana","votes":7,"created_at":"2025-10-04T14:35:11Z","canonical_url":"https://wefunder.com/oner#question-316300","answers":[{"id":316419,"entity_id":"wefunder:comment:316419","answer":"Great questions! Our global stablecoin is one product in our broader payment network. One of the main reasons for us to issue and use our own stablecoin is the structure designed to minimize risks and reduce single points of failure. We work with our partners to use short-term US Treasuries as backing for the stablecoin, which decreases the risk you mentioned. The key point is our multi-issuer structure. This means we do not rely on one bank or one partner to issue our stablecoin. Instead, multiple issuers via multiple partners will issue our stablecoin. This process will reduce and may eliminate single points of failure. You mentioned the depegging of top stablecoins in the market. Depegging can occur in secondary markets and we need to bring reasonable liquidity to those secondary markets. We have such plans and we are also coordinating with a few major players to act as liquidity providers. Our multi-issuer model maintains less exposure per bank and partner after learning from the SVB/Circle event. Because the issuers are regulated based on local rules, they are required to maintain low-risk assets. Regarding your second question about share structure, the details will be published after filing Form C. Disclaimer: This response contains forward-looking statements about our planned products and partnerships. Actual results may vary.","author_name":"Oner Network","votes":5,"created_at":"2025-10-06T13:35:48Z"}]},{"id":316714,"entity_id":"wefunder:comment:316714","question":"Hello and interesting concept. Couple initial questions --- 1) How are payments being supported on the Visa and MC Network but no fees being charged (or substantially lower fees)? Why would Visa and MC allow this? 2) I see you are looking to use interest revenue from T-bills as part of the revenue stream. What is an expected minimum interest rate you feel your system needs for financial stability? While we they pay ~4% today, not too long ago it was \u0026lt;1%.","author_name":"Ryan Medlen","votes":6,"created_at":"2025-10-09T22:54:57Z","canonical_url":"https://wefunder.com/oner#question-316714","answers":[{"id":316739,"entity_id":"wefunder:comment:316739","answer":"Great questions—here’s how Oner approaches both: 1) We’re not bypassing Visa or Mastercard; when users transact on card rails, standard network/acquirer fees apply, and when users pay within our network we lower the blended cost by focusing on cross-border flows where we can route over the lowest-cost compliant rail (including local real-time systems AND on-chain settlement where appropriate). Practically, if an end user chooses to spend via Visa or Mastercard, their terms/fees apply; if they transact within Oner, our multi-rail orchestration selects the most efficient path to reduce total cost and improve speed. 2) Interest on reserves is one of our revenue streams; Oner’s economics are interest and transaction-driven (routing/orchestration fees, FX/treasury, value-added services, rewards network income), with interest treated conservatively: we assume only ~50% of stablecoin/operational float is investable at any time (the remainder stays liquid for settlement), we prioritize short-duration instruments and liquidity buffers for safety/availability over yield, and if rates fall back to ~0–1% the interest contribution becomes small and we rely on our services revenue. For planning, we use an illustrative conservative rate path of ~4.27% (Y25/FY26), 3.5% (Y27), and 2.9% (Y28), still with the ~50% investable cap. In short, Oner doesn’t replace existing networks; we aggregate them, picking the appropriate routes/rails to lower fees while delivering near-instant settlement where possible, and we maintain multiple revenue streams with declining rate assumptions over time. This response contains forward-looking statements about our planned products and partnerships. Actual results may vary.","author_name":"Oner Network","votes":3,"created_at":"2025-10-10T12:50:50Z"},{"id":332549,"entity_id":"wefunder:comment:332549","answer":"Thank you for your question earlier — hope we answered it well! Just a quick reminder: our campaign closes tonight at 11:59 PM EDT. If you've been considering investing, this is your last chance to join us under these terms. 👉 https://wefunder.com/oner We'd love to have you on board.","author_name":"Oner Network","votes":0,"created_at":"2026-04-30T14:47:34Z"}]},{"id":323344,"entity_id":"wefunder:comment:323344","question":"very intriguing. between my companies and ones I am an investor etc I have over 150 companies, several being franchises we sell, crushing it with that. I do business outside america as well. few questions with companies I have in India and other countries it takes a little longer to transfer cause of compliance, time zone issues and added to the cost of the international fees is the markup cause of obviously the exchange rates. if you can do a transfer in a day you are lucky. with that being said how are you able to do it for the cost and time frame you say? ai really help make it that fast why do you think bigger companies aren't doing what you do? to use the words of Mr wonderful from shark tank. you think they are just letting you prove out the market than \"squash you like a cock roach\" why are you charging so little? how are you making a profit per customer etc? based on your website I don't see other ways you make money are there any other ways you make money then the less than 1 cent do you deal with credit card companies too. based on my experience they charge a percent of amount transferred. if you do how can you charge so little even bank wire transfers can cost 20 plus bucks even if you go to Walmart on the low end is 4 bucks and up depending on how much. great so far and thanks for your time!","author_name":"John Webster","votes":5,"created_at":"2026-01-20T16:29:42Z","canonical_url":"https://wefunder.com/oner#question-323344","answers":[{"id":323399,"entity_id":"wefunder:comment:323399","answer":"Thank you for your questions; please find the answers below : ONER doesn't rely on a single payment rail. Instead, they use multi-rail orchestration—selecting the lowest-cost compliant path for each transaction, whether that's local real-time systems or on-chain settlement. This aggregation approach eliminates middlemen costs that traditional banks and even Wise cannot avoid. ONER positions itself as infrastructure (\"network of networks\"), not another payment app. ONER is not competing with PayPal or Wise—ONER is building the layer that enables those companies and others to integrate once and route many. Legacy players like PayPal or banks would have to cannibalize their existing fee structures to adopt this model. ONER's defensibility is not a single feature but integrations, operating maturity, and partner adoption working together. ONER has 100+ partnership relationships at various stages. ONER's revenue comes from multiple streams: interest on reserves (short-term US Treasuries backing the stablecoin, assumed conservatively at ~50% investable at any time), routing and orchestration fees from directing transactions over optimal rails, and stablecoin network revenue through the multi-issuer model with revenue-sharing and rewards network similar to Rakuten. Low transaction fees drive volume, which increases assets under management, which increases interest income. For your specific use case with India transfers taking days and costing $20-$50+ per wire with 2-5% FX markup, ONER enables on-chain settlement in seconds versus 1-5 days, sub-cent fees versus $20-$50 plus FX markup, multi-issuer regulated compliance in multiple jurisdictions to address your India and international compliance concerns, no time zone delays with AI agents automating KYC and AML 24/7/365, and a revenue model supporting low fees through interest from reserves equals sustainable profitability without transaction fee dependency. ONER is not a consumer app competing with PayPal—it's institutional-grade infrastructure that any fintech platforms or payment providers can build on top of, exactly the \"connect once, route many\" model needed for your multi-company, multi-country operations. In short, our revenue is driven by multiple streams, primarily the interest earned on the reserves backing our stablecoins and the rewards fees generated by our aggregation network that avoids external costs by focusing on on-chain unification. While we integrate with card networks where users are subject to standard fees, our model combines several proven business structures into a single infrastructure to maintain near-instant, low-cost settlement as detailed on our Wefunder page. Thank you, and please let us know if you have any other questions, noting that all the above is subject to the disclaimers in our Form C and other regulatory factors.","author_name":"Oner Network","votes":3,"created_at":"2026-01-21T07:27:25Z"}]},{"id":322012,"entity_id":"wefunder:comment:322012","question":"What is the projected ROI?","author_name":"Gabe Feldman","votes":5,"created_at":"2025-12-30T11:52:39Z","canonical_url":"https://wefunder.com/oner#question-322012","answers":[{"id":322015,"entity_id":"wefunder:comment:322015","answer":"Thank you for your question about potential returns. As a company raising through Regulation Crowdfunding, we cannot provide specific ROI projections due to SEC disclosure requirements. However, we're happy to provide detailed information about our business to help you make an informed decision. We're available for additional questions. Email us at: opn@oner.network","author_name":"Oner Network","votes":1,"created_at":"2025-12-30T12:50:22Z"},{"id":332547,"entity_id":"wefunder:comment:332547","answer":"Thank you for your question earlier — hope we answered it well! Just a quick reminder: our campaign closes tonight at 11:59 PM EDT. If you've been considering investing, this is your last chance to join us under these terms. 👉 https://wefunder.com/oner We'd love to have you on board.","author_name":"Oner Network","votes":0,"created_at":"2026-04-30T14:47:09Z"}]},{"id":316937,"entity_id":"wefunder:comment:316937","question":"How would you make the difference compared to Wise and other similar technologies?","author_name":"Giuseppe Guardascione","votes":5,"created_at":"2025-10-14T13:32:10Z","canonical_url":"https://wefunder.com/oner#question-316937","answers":[{"id":317036,"entity_id":"wefunder:comment:317036","answer":"We are fundamentally different from Wise, Xoom, and similar platforms. While those companies operate as closed apps built on legacy banking rails, Oner is an open financial network built on emerging technologies such as blockchain, allowing fintechs and payment providers to build directly on top of our infrastructure. Instead of a single-issuer system, we use a multi-issuer stablecoin model, where several licensed institutions issue stablecoins across multiple jurisdictions. This makes the system globally compliant, resilient, and free from single points of failure. Transfers on Oner settle on-chain in seconds and cost almost nothing, unlike the 1–6% fees and long settlement times typical of traditional money transfer services. Our revenue model is also different: while Wise and Xoom depend on transaction fees and currency spreads, Oner’s revenue comes mainly from the interest generated by the reserve assets backing its stablecoins, allowing us to keep user fees minimal while remaining sustainable. Beyond fast global transfers, Oner connects both traditional and emerging payment rails and includes an on-chain rewards network similar to Rakuten, adding value for users and creating additional revenue for partners. In short, Oner is not another money transfer app—it is the next generation of global financial infrastructure: open, compliant, and almost free to use. This response contains forward-looking statements about our planned products and partnerships. Actual results may vary.","author_name":"Oner Network","votes":4,"created_at":"2025-10-15T10:33:19Z"},{"id":332544,"entity_id":"wefunder:comment:332544","answer":"Thank you for your question earlier — hope we answered it well! Just a quick reminder: our campaign closes tonight at 11:59 PM EDT. If you've been considering investing, this is your last chance to join us under these terms. 👉 https://wefunder.com/oner We'd love to have you on board.","author_name":"Oner Network","votes":0,"created_at":"2026-04-30T14:46:27Z"}]},{"id":321261,"entity_id":"wefunder:comment:321261","question":"You are a new Company, with No revenue yet, No app (at least I cound not find one) and raising money with a valuation of 36M. With just an idea, within a very competitive market, with companies with money, (many already mentioned in this section) which personally i dont see any advantage or something not done from competitors. I can name at least 5 companies already active which you think are offering a better \"idea\", in this case not new. Looking forward to your comments or reply","author_name":"Christos Vatalidis","votes":4,"created_at":"2025-12-15T18:46:35Z","canonical_url":"https://wefunder.com/oner#question-321261","answers":[{"id":321416,"entity_id":"wefunder:comment:321416","answer":"Thanks for your patience, there was an issue with the reply in this thread. Also, Thank you for your questions. You’re right that we’re currently pre-revenue. However, we’re beyond the idea stage: we’ve built the core technology, and this raise will help us expand the network and integrations. We also have 100+ partnership relationships at various stages (from initial discussions to active integration planning) that are intended to support distribution and connectivity across the ecosystem. While it may look like we’re competing with existing apps or networks, that isn’t our approach. We are not building a standalone consumer app or a closed network. Instead, we’re building infrastructure—an aggregation and integration layer that lets existing fintechs and service providers access multiple services through a single set of rails, rather than integrating providers one-by-one. A stablecoin will be one product on this network. Where applicable, issuance would be handled by licensed entities (including the multiple issuers, depending on jurisdiction and regulatory requirements). (B2B and B2B2C) In other words, our goal is to enable current market players—not replace them—by providing the network and rails that make these integrations simpler and more scalable. Note: All of the above is subject to the disclaimer referenced in our Form C.","author_name":"Oner Network","votes":1,"created_at":"2025-12-18T08:11:44Z"},{"id":332543,"entity_id":"wefunder:comment:332543","answer":"Thank you for your question earlier — hope we answered it well! Just a quick reminder: our campaign closes tonight at 11:59 PM EDT. If you've been considering investing, this is your last chance to join us under these terms. 👉 https://wefunder.com/oner We'd love to have you on board.","author_name":"Oner Network","votes":0,"created_at":"2026-04-30T14:46:13Z"}]},{"id":321169,"entity_id":"wefunder:comment:321169","question":"Hello. Questions: How many weekly active users do you have today, and how has that grown over the last 90 days? What does a power user do on ONER daily that they can’t do elsewhere? Why couldn’t Stripe or a well-funded startup replicate this in a year? “What metric would you personally need to see to believe ONER could be a $1B+ company?","author_name":"Ali Ahmad","votes":4,"created_at":"2025-12-13T20:09:10Z","canonical_url":"https://wefunder.com/oner#question-321169","answers":[{"id":321415,"entity_id":"wefunder:comment:321415","answer":"Apologies for the delay, we had trouble replying to this thread earlier. Q1) ONER is not a standalone consumer app or a closed network. We’re building infrastructure (“network of networks”)—an aggregation and integration layer that lets existing fintechs and service providers access multiple services through a single set of rails, rather than integrating providers one-by-one. Because of that, traditional weekly active users (WAU) isn’t the best measure for us today. The most relevant adoption indicators at this stage are the number of active partner integrations (pilot → production), weekly throughput via partners (transactions / routed activity), and API usage, reliability, and partner retention/expansion. Separately, a stablecoin (B2B an B2B2C) is planned as a future product, but it is not issued yet; any issuance and distribution would occur only after this raise. Q2) Our “power users” are typically partner teams (product, engineering, operations, etc..). Their daily value comes from: integrating once to reach multiple services/providers through one set of rails; orchestrating and routing flows based on rules (coverage, cost, uptime, compliance needs); and launching new services/corridors faster without rebuilding and renegotiating one-by-one integrations. In short, ONER reduces integration complexity and speeds up go-to-market for partners. Q3) A well-funded company can replicate parts of the software. Our approach is intentionally neutral: we aim to complement existing market participants rather than compete as another isolated app. The defensibility is not a single feature—it’s the integrations, operating maturity, and partner adoption working together. Q4) The metric we’d personally need to see to believe ONER can become a $1B+ company is repeatable partner adoption with strong unit economics. Concretely: clear partner retention and expansion (partners routing more over time), consistent growth in production throughput over multiple quarters, strong gross margins with improving contribution margins at scale, and a credible path to meaningful recurring revenue driven by those flows and stablecoins. The stablecoin (once launched) would be evaluated as an additional product line within that growth engine. We have multiple growth flywheels: an infrastructure flywheel that scales through partner adoption and throughput, and a stablecoin network flywheel that scales through distribution and usage, supported by partner incentives (e.g., revenue-sharing), where appropriate. Note: All of the above is subject to the disclaimer referenced in our Form C.","author_name":"Oner Network","votes":1,"created_at":"2025-12-18T08:10:47Z"},{"id":332541,"entity_id":"wefunder:comment:332541","answer":"Thank you for your question earlier — hope we answered it well! Just a quick reminder: our campaign closes tonight at 11:59 PM EDT. If you've been considering investing, this is your last chance to join us under these terms. 👉 https://wefunder.com/oner We'd love to have you on board.","author_name":"Oner Network","votes":0,"created_at":"2026-04-30T14:45:55Z"}]},{"id":320445,"entity_id":"wefunder:comment:320445","question":"I have invested already but just have a question. How different are you model different than RIPPLE (the owner of XRP), they also have their platforms implemented in many banks already. Thanks","author_name":"Murali NAGARAJAN","votes":4,"created_at":"2025-12-02T03:42:39Z","canonical_url":"https://wefunder.com/oner#question-320445","answers":[{"id":321414,"entity_id":"wefunder:comment:321414","answer":"Apologies for the delay in response as there was an issue in replying to this thread. Thank you for your support — and for investing. Ripple and ONER operate in a similar category (payments / digital-asset rails and also stablecoins), but the model is different. Neutral network vs single-provider network: ONER is designed to be a neutral aggregation + integration layer. The goal is “connect once, route many” — so fintechs and service providers can access multiple services/providers through one set of rails, rather than joining a single closed ecosystem. Stablecoin approach: our intent is for the stablecoin to be issued by multiple regulated/licensed partner entities (multi-issuer), so the network remains issuer-neutral and scalable across jurisdictions. By contrast, Ripple’s RLUSD is explicitly positioned as “Ripple’s” U.S. dollar–backed stablecoin and is typically associated with a single issuer. Ripple is a mature payments provider with a defined product suite and ecosystem, while ONER is positioning as neutral, multi-provider infrastructure with a multi-issuer stablecoin network layered on top. As we stated on our Wefunder page, we position ONER as a “network of networks”—sitting at the center of multiple proven business models (Ripple’s products are one example)—and our role is to aggregate and enable these rails for partners. ONER also plans to support integrations with major rails (including XRPL) and stablecoins (including RLUSD where appropriate), giving partners and businesses flexibility and choice. Note: All of the above is subject to the disclaimer referenced in our Form C.","author_name":"Oner Network","votes":0,"created_at":"2025-12-18T08:09:26Z"}]},{"id":318464,"entity_id":"wefunder:comment:318464","question":"Additional question: bitcoin is not quantum secure (Google it) and neither are most cryptocurrencies. So if this is a crypto play, how will you make it quantum secure?","author_name":"Francis Erdman","votes":4,"created_at":"2025-10-30T16:09:47Z","canonical_url":"https://wefunder.com/oner#question-318464","answers":[{"id":319369,"entity_id":"wefunder:comment:319369","answer":"There was an issue on our side when submitting answers here for all questions but this has now been fixed. The answer to this question has been submitted under another question. You may also set a meeting here\u0026gt; wefunder.com/oner. Thanks.","author_name":"Oner Network","votes":1,"created_at":"2025-11-11T15:37:57Z"}]},{"id":318449,"entity_id":"wefunder:comment:318449","question":"Paypal is integrating with chat GPT. Why do we need another payment platform? How is this different / better than Paypal? How will you get market penetration with AI tools now that Paypal seems already ahead in terms of the effort to integrate payments into AI tools?","author_name":"Francis Erdman","votes":4,"created_at":"2025-10-30T13:46:34Z","canonical_url":"https://wefunder.com/oner#question-318449","answers":[{"id":319368,"entity_id":"wefunder:comment:319368","answer":"That's a great question, and it highlights an important distinction. PayPal's ChatGPT integration shows that AI-native payment platforms are the future. Oner Network is addressing a completely different challenge: unifying global financial institutions to enable instant, compliant cross-border payments and universal dollar access. We're not building another payment platform to compete with PayPal, Wise, or the rest. We're building the financial infrastructure that connects fintechs, payment providers, and issuers into one interoperable network. Unlike single-issuer stablecoins like USDC, USDT, or PayPal's PYUSD, Oner Network brings together multiple regulated issuers across jurisdictions. This multi-issuer architecture eliminates concentration risk and enables true global reach with localized compliance, which is what institutional adoption requires. The result is removing single points of failure and enabling sub-second cross-border settlements with 90% cost savings versus traditional rails like SWIFT or PayPal's network. In short, we're not building an app. We're building a network that incorporates stablecoins, blockchain, AI, and existing financial infrastructure. On quantum security, we're taking a pragmatic approach by building on proven blockchain technologies with cryptographic agility built in. As the industry adopts NIST's post-quantum standards, which major chains are already implementing, Oner Network inherits those security improvements automatically. We're building the institutional-grade infrastructure layer that enables the next generation of global payments: unified, multi-issuer, instant, and compliant by design. This response contains forward-looking statements about our planned products and partnerships. Actual results may vary.","author_name":"Oner Network","votes":1,"created_at":"2025-11-11T15:35:11Z"},{"id":332539,"entity_id":"wefunder:comment:332539","answer":"Thank you for your question earlier — hope we answered it well! Just a quick reminder: our campaign closes tonight at 11:59 PM EDT. If you've been considering investing, this is your last chance to join us under these terms. 👉 https://wefunder.com/oner We'd love to have you on board.","author_name":"Oner Network","votes":0,"created_at":"2026-04-30T14:45:23Z"}]},{"id":317753,"entity_id":"wefunder:comment:317753","question":"Hi, can you please tell us a bit about your IP Portfolio? Thanks so much. Blessings","author_name":"W Kim Colich","votes":4,"created_at":"2025-10-23T06:48:13Z","canonical_url":"https://wefunder.com/oner#question-317753","answers":[{"id":317780,"entity_id":"wefunder:comment:317780","answer":"Thank you for your question and blessings. Oner Network’s IP strategy focuses on protecting the core technology, design, and brand that power our platform. Our portfolio currently includes proprietary architecture and system logic that enable our multi-issuer stablecoin and aggregator payment model. We are securing trademarks for the Oner brand and related visual assets (applications submitted in the United States, Türkiye, and India; additional jurisdictions forthcoming). Trademark application references: United States – Serial No. 99125932; Türkiye – Serial No. 3551389; India – SSR Ref No. 6997435. We are also preparing documentation for patent filings covering our architecture, liquidity/routing layers, and interoperability frameworks. As we grow, a portion of this raise is allocated to IP protection (trademarks, patent drafting/filing, and related legal work). Our approach is to build defensible technology that can scale globally while ensuring compliance and transparency. In short, our IP portfolio consists of a mix of proprietary codebase, architectural designs, trademarks, and planned patent filings intended to make Oner Network both technically and legally strong. Forward-looking statement: the initiatives described (including filings) depend on successful fundraising and regulatory outcomes; trademark applications are pending and not guaranteed.","author_name":"Oner Network","votes":1,"created_at":"2025-10-23T15:52:33Z"}]},{"id":317552,"entity_id":"wefunder:comment:317552","question":"Hi which other company would you compare yourselves closest to? What differentiates you from them? What do you envision your exit strategy would be? How long would it be best case scenario to reach said goals? Thanks and looking forward.","author_name":"Yaakov Hersh","votes":4,"created_at":"2025-10-21T17:11:16Z","canonical_url":"https://wefunder.com/oner#question-317552","answers":[{"id":317666,"entity_id":"wefunder:comment:317666","answer":"Dear Yaakov, Thank you for the thoughtful questions. Below is a concise overview of who we’re closest to, what differentiates us, and how we think about exits and timing. By function, Oner Network combines three proven models: (1) a global payments network, (2) a stablecoin (digital dollar) network, and (3) an income/rewards network. Global payments network: Ripple (infrastructure for cross-border settlement) and Wise (efficient international transfers). Stablecoin issuer: Circle (USDC) and Tether (USDT) for reserves-backed digital dollars used in internet-scale payments. Consumer income layer: Rakuten-style rewards/cashback that shares economics with end users. What differentiates Oner Network: Multi-issuer digital dollar: Multiple regulated financial institutions can issue our stablecoin and manage liquidity/compliance—distributing risk and eliminating the single point of failure inherent in single-issuer models. Aggregator, not a lone rail: We interoperate with existing payment rails and blockchain networks, routing each transaction over the most reliable and affordable path instead of competing head-to-head. Built-in income layer: Users share in the value they create through cashback/revenue-share when they use our services or choose participating brands. Real-world readiness: Designed for everyday spend and cross-border transfers—fast, low-cost settlement that works where people already pay. Regulatory-first posture: Compliance, liquidity management, and partner alignment are priorities from day one. Exit strategy: Our focus is building a durable, valuable network that can scale globally. Over time, potential exit paths could include (a) strategic acquisition by a larger financial or technology company, (b) merger or strategic combination to expand reach and infrastructure, (c) an IPO or SPAC-type listing once the business reaches meaningful scale and regulatory maturity, or (d) other liquidity events such as secondary share sales for investors or employees as the company grows. These are common and proven exit routes for successful fintech and blockchain companies. Any future outcome will depend on market conditions, regulation, and company performance. Timing: We don’t promise exit dates. Early-stage offering rules and good governance discourage speculative timelines. Our focus is on shipping product, securing compliance, deepening liquidity, and growing revenue—milestones that create strong optionality as we scale. In summary, Oner Network is a unified and innovative global financial platform that leverages emerging technologies, introduces multiple revenue streams for long-term sustainability, and aims to strengthen liquidity in the global stablecoin market. Happy to discuss more: If helpful, we can set up a call so our founders can walk through the network design, our interoperability strategy, and how the rewards layer works in practice. This response contains forward-looking statements about our planned products and partnerships. Actual results may vary.","author_name":"Oner Network","votes":1,"created_at":"2025-10-22T17:07:53Z"},{"id":332537,"entity_id":"wefunder:comment:332537","answer":"Thank you for your question earlier — hope we answered it well! Just a quick reminder: our campaign closes tonight at 11:59 PM EDT. If you've been considering investing, this is your last chance to join us under these terms. 👉 https://wefunder.com/oner We'd love to have you on board.","author_name":"Oner Network","votes":0,"created_at":"2026-04-30T14:44:58Z"}]},{"id":316487,"entity_id":"wefunder:comment:316487","question":"Where can I see the amount pledged to date? I am wondering if the Early bird bonus limit of $500,000 has been surpassed.","author_name":"Jerry Jordan McIntire","votes":4,"created_at":"2025-10-07T13:43:29Z","canonical_url":"https://wefunder.com/oner#question-316487","answers":[{"id":316488,"entity_id":"wefunder:comment:316488","answer":"Dear Jerry, Thank you for your question. As of today, it’s available. You can view the details at the following link: https://help.wefunder.com/reservations/reservation-early-bird-terms-and-contracts . I’ve copied the question and answer from Wefunder below for your convenience. FAQ: Do reservations have Early Bird terms and contracts? A: During the TTW period, terms, like money, cannot be legally tied to a reservation. This means that if the company offers Early Bird Terms, the investors who confirm their reservation into an investment first* will get Early Bird Terms - not those who made a reservation first. Similarly, contracts are unavailable during this time as there are no contractual agreements for reservations in the TTW stage. --- Please let me know if you have any other questions.","author_name":"Oner Network","votes":3,"created_at":"2025-10-07T14:02:10Z"}]},{"id":316247,"entity_id":"wefunder:comment:316247","question":"Can we find out a bit more about the actual network itself? What advantages does it have over some of the crypto networks?","author_name":"Decio Ferreira","votes":4,"created_at":"2025-10-03T09:08:39Z","canonical_url":"https://wefunder.com/oner#question-316247","answers":[{"id":316420,"entity_id":"wefunder:comment:316420","answer":"Hi Decio, that's a broad question and we've added more info on our Wefunder page, or you can schedule a call where one of our team members can provide more details. In short, what we are building is a network that can reduce time and fees for money transfers, mainly for cross-border payments. As a result, we are not competing with any single player. Instead, we are bringing everyone together in one place to achieve our target of easy, nearly free, and instant money transfers. On this network, we have stablecoins that will be issued on multiple networks by multiple issuers for the global market. We bring stability and dollar access to the global market. We are incorporating and will continue to incorporate other blockchain networks into our network. The key difference is integration and unifying rather than competition. While crypto networks often create isolated ecosystems, we connect existing network, financial infrastructure and even other stablecoins with emerging innovation to create a unified global payment solution. Disclaimer: This response contains forward-looking statements about our planned products and partnerships. Actual results may vary.","author_name":"Oner Network","votes":3,"created_at":"2025-10-06T13:57:26Z"},{"id":332536,"entity_id":"wefunder:comment:332536","answer":"Thank you for your question earlier — hope we answered it well! Just a quick reminder: our campaign closes tonight at 11:59 PM EDT. If you've been considering investing, this is your last chance to join us under these terms. 👉 https://wefunder.com/oner We'd love to have you on board.","author_name":"Oner Network","votes":0,"created_at":"2026-04-30T14:44:40Z"}]},{"id":325129,"entity_id":"wefunder:comment:325129","question":"I am going to do something I have never before. I will let you tell me the benefit instead of me determining it. I mentioned that some of my companies I invested in have franchise models. all are absolutely crushing it! how can your company help with franchises? thanks for your time!","author_name":"John Webster","votes":3,"created_at":"2026-02-12T17:35:44Z","canonical_url":"https://wefunder.com/oner#question-325129","answers":[{"id":326015,"entity_id":"wefunder:comment:326015","answer":"Great question, thanks for sharing that insight and your patience as due to techincal issues we could not answer the question right away. It’s exciting to hear how well franchise models are performing in your portfolio. We’d love to get more insights with respect to the context. The best way to do that is through a direct communication channel with our founding team so we can understand the specifics and see where we can add real value. Please feel free to reach us at opn@oner.network. Thank you again for your time and interest.","author_name":"Oner Network","votes":0,"created_at":"2026-02-23T11:38:27Z"},{"id":332535,"entity_id":"wefunder:comment:332535","answer":"Thank you for your question earlier — hope we answered it well! Just a quick reminder: our campaign closes tonight at 11:59 PM EDT. If you've been considering investing, this is your last chance to join us under these terms. 👉 https://wefunder.com/oner We'd love to have you on board.","author_name":"Oner Network","votes":0,"created_at":"2026-04-30T14:43:55Z"}]},{"id":323973,"entity_id":"wefunder:comment:323973","question":"What do I have to do to get someone from WeFunder to answer my phone calls even after leaving voicemails?not to mention several emails that I have sent on top of that? would love to invest into your ideas, but sadly they literally aren’t available.","author_name":"Jeff Laridis","votes":3,"created_at":"2026-01-29T04:38:57Z","canonical_url":"https://wefunder.com/oner#question-323973","answers":[{"id":323985,"entity_id":"wefunder:comment:323985","answer":"Thanks so much for your interest and we hear you. WeFunder is a large platform and, depending on volume, their response times can sometimes be slower than anyone would like. Unfortunately, as a company enrolled on their platform we don’t control their internal support queues or phone availability. While we don’t have control over their internal response times, investing in our campaign does not require phone contact with WeFunder. Most investments can be completed fully online. If something specific is preventing you from moving forward, please let us know in the comments or reach out to our team directly and we’ll do everything we can on our end to help resolve it or guide you through the process. We genuinely appreciate your enthusiasm and patience, and we’d love to have you join us as an investor.","author_name":"Oner Network","votes":0,"created_at":"2026-01-29T08:17:16Z"},{"id":332534,"entity_id":"wefunder:comment:332534","answer":"Thank you for your question earlier — hope we answered it well! Just a quick reminder: our campaign closes tonight at 11:59 PM EDT. If you've been considering investing, this is your last chance to join us under these terms. 👉 https://wefunder.com/oner We'd love to have you on board.","author_name":"Oner Network","votes":0,"created_at":"2026-04-30T14:43:27Z"}]},{"id":323758,"entity_id":"wefunder:comment:323758","question":"I'm concerned about the US dollar losing it's reserve currency status (in the long-term) and being devaluated (eventually to 0), just like all currencies historically experienced. How would that impact your business model?","author_name":"Marc Ferland Dutil","votes":3,"created_at":"2026-01-26T20:23:29Z","canonical_url":"https://wefunder.com/oner#question-323758","answers":[{"id":323811,"entity_id":"wefunder:comment:323811","answer":"You raise a valid macro concern, but it's important to distinguish between systemic currency risk and ONER-specific business model risk. ONER's revenue model depends on multiple factors we've detailed on our Wefunder page: reserve assets backing the stablecoin, transaction volume flowing through our network, routing and orchestration efficiency, stablecoin network distribution, and rewards network participation. If the USD depreciates, transaction fees are still earned on that volume and our interest income on reserves adjusts within the parameters we've conservatively modeled (we assume only 50% of reserves are investable at any time and have stressed our financials for declining rate scenarios). This isn't ONER-specific—Wise, Ripple, PayPal, and every payment infrastructure company faces identical macro currency risk, and the fintech ecosystem adapts through devaluation scenarios just as it always has. Our multi-stream revenue model—routing fees, orchestration margins, stablecoin network revenue, and interest income—means we don't collapse if one factor weakens. Our focus is building resilient infrastructure that captures value across multiple transaction and asset dimensions, regardless of currency strength, and that's the defensible long-term position.","author_name":"Oner Network","votes":1,"created_at":"2026-01-27T06:58:57Z"},{"id":332533,"entity_id":"wefunder:comment:332533","answer":"Thank you for your question earlier — hope we answered it well! Just a quick reminder: our campaign closes tonight at 11:59 PM EDT. If you've been considering investing, this is your last chance to join us under these terms. 👉 https://wefunder.com/oner We'd love to have you on board.","author_name":"Oner Network","votes":0,"created_at":"2026-04-30T14:42:28Z"}]},{"id":319536,"entity_id":"wefunder:comment:319536","question":"Thank you for your detailed answers to my previous questions - one other question I have concerns your runway/path to break-even. With the IT economy softening this question feels more important than it usually is. When I first started using Wefunder I had the \"hard lesson\" to start investing into startups right before the pandemic and of course lost out on a few things, this taught me the hard way that anything can happen and that runway is more important than \"good ideas\", so now I like to always ask this question. :)","author_name":"Francis Erdman","votes":3,"created_at":"2025-11-13T13:12:40Z","canonical_url":"https://wefunder.com/oner#question-319536","answers":[{"id":332529,"entity_id":"wefunder:comment:332529","answer":"Thank you for your question earlier — hope we answered it well! Just a quick reminder: our campaign closes tonight at 11:59 PM EDT. If you've been considering investing, this is your last chance to join us under these terms. 👉 https://wefunder.com/oner We'd love to have you on board.","author_name":"Oner Network","votes":0,"created_at":"2026-04-30T14:40:38Z"}]},{"id":324312,"entity_id":"wefunder:comment:324312","question":"Hi there....I already have significant exposure to Ethereum as the settlement layer. If settlement becomes fast, cheap, and reliable everywhere, does Oner become more valuable—or does its advantage shrink? In that world, what is Oner actually a bet on? Thanks!","author_name":"Chris CRM","votes":2,"created_at":"2026-02-03T16:18:52Z","canonical_url":"https://wefunder.com/oner#question-324312","answers":[{"id":324492,"entity_id":"wefunder:comment:324492","answer":"Thank you for your question, Chris. We do not compete with Ethereum or any other blockchain network. Instead, we integrate these chains into our unified network, allowing end users to manage and transfer balances across multiple blockchains seamlessly. We are not reliant on any single blockchain; rather, if our integrated networks reduce gas fees or introduce new features, our users benefit directly from those improvements. Our goal is to enable nearly fee-free transfers. For more details on our business model, please see our revenue stream documentation. To address your specific question: Oner becomes more valuable as settlement layers improve, not less. Our value proposition is not built on Ethereum's limitations, but on the permanent complexity of a multi-chain world. Even if every blockchain becomes fast, cheap, and reliable tomorrow, users and businesses still face fragmentation—liquidity scattered across chains, multiple wallets and bridges to manage, and operational overhead from different compliance frameworks. What Oner is actually a bet on: the enduring need for unified orchestration across an expanding ecosystem of networks. As more chains and networks emerge and each becomes performant, the coordination challenge increases rather than disappears. We capture value from reducing that complexity—functioning as the abstraction layer that makes multi-network operations feel like a single, seamless experience. In short, every feature available on any blockchain integrated into our network—and by extension, our partner ecosystem—benefits the entire system by removing barriers and reducing friction for end users. As the underlying infrastructure improves, our role as the unified interface layer becomes more essential, not less. Note: All of the above is subject to the disclaimer referenced in our Form C.","author_name":"Oner Network","votes":3,"created_at":"2026-02-05T04:10:36Z"},{"id":332532,"entity_id":"wefunder:comment:332532","answer":"Thank you for your question earlier — hope we answered it well! Just a quick reminder: our campaign closes tonight at 11:59 PM EDT. If you've been considering investing, this is your last chance to join us under these terms. 👉 https://wefunder.com/oner We'd love to have you on board.","author_name":"Oner Network","votes":0,"created_at":"2026-04-30T14:42:17Z"}]},{"id":328204,"entity_id":"wefunder:comment:328204","question":"What is the exit plan (acquisition, IPO, merger, etc.) in which investors will be able to see a ROI?","author_name":"bugg logg","votes":1,"created_at":"2026-03-19T10:58:23Z","canonical_url":"https://wefunder.com/oner#question-328204","answers":[]},{"id":326775,"entity_id":"wefunder:comment:326775","question":"How will we be alerted/informed that we joined early enough to be an Early Bird Investor with the Bonus?","author_name":"Karl Pendergrass II","votes":1,"created_at":"2026-03-03T21:17:47Z","canonical_url":"https://wefunder.com/oner#question-326775","answers":[{"id":326779,"entity_id":"wefunder:comment:326779","answer":"Hello,You will likely be able to view the investment details through your account dashboard. That said, I have checked and confirmed that your current investment qualifies for the Early Bird bonus, which has been applied. Additionally, if you decide to increase your investment, this bonus will also apply to the new investment amount.Thank you for your support.","author_name":"Oner Network","votes":2,"created_at":"2026-03-03T21:31:46Z"},{"id":332530,"entity_id":"wefunder:comment:332530","answer":"Thank you for your question earlier — hope we answered it well! Just a quick reminder: our campaign closes tonight at 11:59 PM EDT. If you've been considering investing, this is your last chance to join us under these terms. 👉 https://wefunder.com/oner We'd love to have you on board.","author_name":"Oner Network","votes":0,"created_at":"2026-04-30T14:41:20Z"}]}],"faq":[{"question":"We welcome any questions you may have. Our team is here to provide information and help you better understand our work and vision.","answer":"We welcome any questions you may have. Our team is here to provide information and help you better understand our work and vision."},{"question":"Can we find out a bit more about the actual network itself? What advantages does it have over some of the crypto networks?","answer":"Hi Decio, that's a broad question and we've added more info on our Wefunder page, or you can schedule a call where one of our team members can provide more details. In short, what we are building is a network that can reduce time and fees for money transfers, mainly for cross-border payments. As a result, we are not competing with any single player. Instead, we are bringing everyone together in one place to achieve our target of easy, nearly free, and instant money transfers. On this network,..."},{"question":"I understand that you are using Us backed securities to maintain the peg. 1) But what sort of collateralization will be used. US securities are very volatile at the moment. USDT depegged in 2022 and 2023, what lessons did Oner learned from this, and what solutions have you dev...","answer":"Great questions! Our global stablecoin is one product in our broader payment network. One of the main reasons for us to issue and use our own stablecoin is the structure designed to minimize risks and reduce single points of failure. We work with our partners to use short-term US Treasuries as backing for the stablecoin, which decreases the risk you mentioned. The key point is our multi-issuer structure. This means we do not rely on one bank or one partner to issue our stablecoin. Instead, mu..."},{"question":"Where can I see the amount pledged to date? I am wondering if the Early bird bonus limit of $500,000 has been surpassed.","answer":"Dear Jerry, Thank you for your question. As of today, it’s available. You can view the details at the following link: https://help.wefunder.com/reservations/reservation-early-bird-terms-and-contracts . I’ve copied the question and answer from Wefunder below for your convenience. FAQ: Do reservations have Early Bird terms and contracts? A: During the TTW period, terms, like money, cannot be legally tied to a reservation. This means that if the company offers Early Bird Terms, the investors who..."},{"question":"Hello and interesting concept. Couple initial questions --- 1) How are payments being supported on the Visa and MC Network but no fees being charged (or substantially lower fees)? Why would Visa and MC allow this? 2) I see you are looking to use interest revenue from T-bills a...","answer":"Great questions—here’s how Oner approaches both: 1) We’re not bypassing Visa or Mastercard; when users transact on card rails, standard network/acquirer fees apply, and when users pay within our network we lower the blended cost by focusing on cross-border flows where we can route over the lowest-cost compliant rail (including local real-time systems AND on-chain settlement where appropriate). Practically, if an end user chooses to spend via Visa or Mastercard, their terms/fees apply; if they..."}]}}}