# Ownera

## 1. Problems/Challenges it aims to solve

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**Lack of digitization and automation in private capital markets:** Private markets still rely heavily on manual processes and paper-based workflows, limiting efficiency and scalability. 

**Fragmentation across systems and platforms:** Private market participants today use many different platforms and systems that don't interoperate, including various blockchains, ledgers, issuance platforms, exchanges, custodians, and compliance engines. This fragmentation makes end-to-end workflows complex. 

**Illiquidity and lack of secondary trading:** Private securities lack liquidity and secondary trading options. 

**Need for open collaboration:** Transforming complex ecosystems requires joint effort across institutions. Ownera brings together major players across finance and technology to jointly design open standards and networks.

**Compliance and regulatory uncertainty:** New digital solutions need to ensure full regulatory compliance.

**Interoperability across ledgers:** Ownera's protocol aims to route transactions across any blockchain or traditional ledger.

## 2. Solutions

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**Ownera FinP2P API:** Ownera's implementation of the open-source FinP2P routing protocol/ network protocol and a set of specification APIs that aim to provide a communication abstraction layer between applications, data privacy and distributed ledger implementations.

**FinP2P Network:** An open-source decentralised protocol, enabling instant trading across any asset class and ledger.

Services provided:

* Aims to serve as a neutral layer, seamlessly interconnecting various platforms using open-source interoperability specifications to facilitate market collaboration and liquidity.

## 3. Target Customers

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**Technology/Fintech vendors:** such as HQLAᵡ, Wematch etc.

**Financial institutions**: Banks, investment firms, and other entities that deal with private capital and securities.

**Market infrastructure providers:**  Stock exchanges, custodians, clearing houses, securities depositories that are looking to enable digital workflows and secondary trading for private securities.

## 4. Key Points <a href="#id-4.-key-points" id="id-4.-key-points"></a>

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* Provides interfaces to interact with the FinP2P network and build applications.
* Supports managing identity profiles, assets, certificates, documents, tokens, and payments.
* Identity profiles manage users, assets, and certificate providers.
* Certificates verify qualities about a profile (KYC, accreditation status etc.) issued by trusted providers. Replaces whitelists.
* Know Your Asset (KYA) certificates provide legal docs on assets, added by primary issuers.
* Documents can be uploaded to support certificates, stored off-chain with hash on-chain.
* Token APIs handle issuance and transfer of digital securities.
* Payment APIs enable deposit and withdrawal of cash assets using external rails.
* Enables regulated institutions to tokenize assets and trade in a compliant manner.
* Allows building applications for issuance, custody, trading, settlement on the network.
* Decentralized control and permissions improves privacy and efficiency vs whitelists.
* Overall, provides necessary identity, token, and payment capabilities to power the FinP2P digital securities network for institutions.

## 5. People

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Ami Ben-David, Co-founder & CEO of Ownera

## 6. Resources

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{% embed url="<https://finp2p-docs.ownera.io/docs/introduction-1>" %}

<https://finp2p.atlassian.net/wiki/spaces/FINP2P/pages/1540554/FinP2P+Introduction>