Obook Holdings Inc. · NASDAQ:OWLS
Obook — Investor Presentation (September 2026)
23 slides from Obook's investor presentation, September 2026
Slide 1: Investor Presentation
Financial Technology Infrastructure for Stablecoin Payments & Settlement INVESTOR PRESENTATION NASDAQ Ticker Symbol: OWLS September 2026 CONFIDENTIAL © 2026 OBOOK Holdings Inc.
Slide 2: Disclaimer
Disclaimer This document contains confidential information regarding OBOOK Holdings Inc. (the “Company”) and its subsidiaries, and their businesses. Neither the Company, nor its shareholders, any of its holding companies, subsidiaries, associated undertakings or controlling persons, nor any of their
Slide 3: Financial technology infrastructure layer enabling FinTech platforms to use stablecoins
We provide the financial technology infrastructure layer that enables FinTech platforms to use stablecoins for global commerce, driving faster, more efficient, and accessible cross-border payments. CONFIDENTIAL | 3 © 2026 OBOOK Holdings Inc.
Slide 4: Investment Highlights – Positioned to Shape the Future of Payments
Investment Highlights – Positioned to Shape the Future of Payments 1 Stablecoin Infrastructure Powering Cross-Border Payments for Global & Int’l Markets 2 Enterprise Platform & Rails Enabling Faster, Accessible Payments via Stablecoins 3 Multi-Jurisdiction Regulatory License Portfolio is a Highly Co
Slide 5: OwlTing – At a Glance
OwlTing – At a Glance $700MM+ 80+ Cumulative Processed Payment Volume (1) Enterprise Clients (2) (since inception, up from 6/30/26) (as of August 2026) NASDAQ:OWLS Visa Direct Circle Payments Network (CPN) Listed Since October 2025 ~$443MM Market Cap (3) Key Platform Partners Notable / Strategic Inv
Slide 6: The Problem and Opportunity
The Problem and Opportunity The Problem The Opportunity Slow Costly Opaque Underserved Faster Lower Cost Programmable Global Rails • Cross-border payments remain slow, costly, • Massive and growing global payments: market and opaque: Settlement can take days, with representing ~$2.5T in revenue (202
Slide 7: We are the “Invisible” Infrastructure Layer… Purpose-Built for Enterprises
Our Value Proposition: Infrastructure and Rails Built to Power Cross-Border Settlement We are the “Invisible” Infrastructure Layer… Our infrastructure is built for real-world payment flows. Well positioned to serve international markets across Asia Pacific, Middle East & Africa. Purpose-Built for En
Slide 8: Full-Stack Payment Suite of Infrastructure Solutions
Full-Stack Payment Suite of Infrastructure Solutions Payment Infrastructure Connectivity & Integration Treasury & Custody Transactions & Settlement Interoperability Digital Asset Management Stablecoin Stablecoin Payment Crypto Fiat Fiat The Best Choice for Cross-Border Fiat Payments On/Off-Ramp Hub
Slide 9: Built for International and Rest-of-World (RoW) Payment Corridors
Built for International and Rest-of-World (RoW) Payment Corridors International-first infrastructure across APAC, the Middle East, Africa and other underserved global corridors. 1. Asia-Originated Infrastructure Built from Asia with operating presence and market understanding across Taiwan, Japan, H
Slide 10: Our Business Model is Highly Scalable with Significant Operating Leverage
Our Business Model is Highly Scalable with Significant Operating Leverage Illustrative OwlPay Model and Unit Economics Example: Recurring enterprise payment & settlement flows OwlPay Harbor payment infrastructure enables enterprise clients to convert fiat currency to regulated stablecoins / digital
Slide 11: Strong Stablecoin Momentum with OwlPay Harbor
Strong Stablecoin Momentum with OwlPay Harbor Launched in 2026, OwlPay Harbor entered commercial Gross Payment Volume (GPV) Processed (In millions of USD) scaling of its stablecoin payments starting in H2 2026, $1,000 following more than five years of investment in payment technology, regulatory inf
Slide 12: OwlPay Harbor Annualized payment volume reached ~$255 million
OwlPay Harbor Annualized payment volume reached ~$255 million, up from ~$93 million in July (1) (In millions of USD) 300 $300 $255 Million +174.6% MoM 250 $250 200 $200 150 $150 100 $100 50 $50 $0 Jan-26 Feb-26 Mar-26 Apr-26 May-26 Jun-26 Jul-26 Aug-26 Note: All financial figures in U.S. Dollars, un
Slide 13: Scaling Through Strategic Partnerships and Global Payment Rails
Scaling Through Strategic Partnerships and Global Payment Rails Visa Direct / Visa Network Circle Payments Network Our infrastructure Fiat on-ramp & off-ramp access Scales without exposing end- Circle to enable regulated, enabling seamless movement users to blockchain complexity near-real-time stabl
Slide 14: Global Regulatory License Portfolio and Compliance-First Infrastructure
Global Regulatory License Portfolio and Compliance-First Infrastructure Licensing requires years to build and scale globally, creating a strong regulatory moat These licenses are functional infrastructure, positioning OwlTing as a differentiated infrastructure provider US EU Application in JP progre
Slide 15: Strategic Growth Path
Strategic Growth Path AI-Native Agent Strategic Expand Global White-Label and M&A to Payments Partnerships Licensing Footprint Institutional Solutions Accelerate Scale Through OwlPay Leverage Build on existing Deliver white-label Pursue targeted Agent Wallet, enable relationships with licenses in th
Slide 16: Financials at a Glance
Financials at a Glance Total revenue (In thousands of USD) Unit economics • OwlPay Harbor stablecoin payments operates on a 25 – 35 bps take rate (1), providing a predictable and scalable revenue model. $7,861 $7,570 • Revenue scales with transaction volume, while incremental costs remain relatively
Slide 17: Thank You
Thank You https://investors.owlting.com/ ir@owlting.com CONFIDENTIAL | 17 © 2026 OBOOK Holdings Inc.
Slide 18: Appendix
> Owlting Appendix
Slide 19: Summary Balance Sheet and Capitalization
Summary Balance Sheet and Capitalization Summary Cash & Balance Sheet Summary Capitalization (In millions of USD) Shares % of 12/31/25 06/30/26 # Holder Held (MM) Shares Cash 7.5 10.2 1 Wang, Darren (Founder, CEO & Chairman) 39.3 43.6% Other Current Assets 10.2 8.6 2 Hsieh, John (Co-Founder, CTO & D
Slide 20: OwlPay Harbor Orchestrates Stablecoin Payment Flows
OwlPay Harbor Orchestrates Stablecoin Payment Flows Flows move from enterprise customers, through OwlPay Harbor, onto external rails and partners 1 Enterprise customers and use cases 2 OwlPay Harbor orchestration layer 3 External rails and partners Fintechs API & interfaces Visa / Visa Direct Circle
Slide 21: OwlPay Illustrative Client Routes
OwlPay Illustrative Client Routes Clients choose the route across stablecoin, card, on-chain, and fiat bank rails A CPN route Stablecoin-based payout coordination Client treasury or wallet USDC / blockchain transfer CPN / settlement partner Recipient bank Useful when the payment uses stablecoin rail
Slide 22: Case Study: Connecting Global Payment Flows into International Corridors
Case Study: Connecting Global Payment Flows into International Corridors OwlPay Harbor enables compliant pay-in, stablecoin settlement and local payout infrastructure. // Send in Global Fiat Business Payer / Fiat Pay-in or OwlPay Harbor Compliance, Local Payout / Receive Local Currency Enterprise St
Slide 23: Management Team
Management Team Darren Wang Founder & Chief Executive Officer Entrepreneurial Achievements • Founded OwlTing Group (2010) — blockchain, fintech & e-commerce innovator Education • Raised USD$72M+ from global investors including: • Harvard Business School — Owner/President Management Program (OPM 63)
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