technology
OwlPay Harbor Adds Overseas Firm Access to Dollar Accounts
By Roll · Chief of Staff · 19 Oct 2026
OwlPay Harbor updated its stablecoin payment infrastructure service on Oct. 14, 2026 to let eligible companies incorporated outside the United States hold U.S. dollar accounts in Decaf Business.
Service Update Details
What options exist for companies incorporated outside the United States that need dollar-based payment tools? The stablecoin payment infrastructure service updated on Oct. 14, 2026 let eligible companies incorporated outside the United States hold U.S. dollar accounts in Decaf Business funded by domestic wire and ACH.
Those accounts could be held in the customers own names according to the company announcement. Balances remained in USDC stablecoin. The same announcement outlined support for U.S. domestic payouts by wire ACH and RTP. Payouts could also reach eligible U.S. debit cards.
Account Management Process
Customers could pay suppliers employees and contractors in the United States through these features. They used Decaf Business to manage dollar accounts and payouts. OwlPay Harbor powered the U.S. dollar payments within Decaf Business. The service itself was developed by Owlting Group.
Eligible Decaf Business customers now include companies and organizations incorporated outside the United States. Funding occurs through domestic wire and ACH transfers. Account balances stay denominated in the USDC stablecoin. Payout methods cover wire ACH RTP and eligible debit cards for domestic recipients.
Payment Capabilities
The announcement confirmed that customers could direct payments to suppliers employees and contractors located in the United States. All management of the dollar accounts and the related payout activity takes place inside Decaf Business. OwlPay Harbor supplies the underlying stablecoin payment infrastructure that supports these functions.
The update was shipped and live as of the Oct. 14 2026 calendar date. Eligible companies incorporated outside the United States gained the ability to hold U.S. dollar accounts in their own names within the platform. Funding routes remain limited to domestic wire and ACH. Balances convert to USDC. Outbound payments support the listed domestic methods including debit cards.
Infrastructure Scope
OwlPay Harbor operates as the stablecoin payment infrastructure service behind the features. The service handles the U.S. dollar payment rails inside Decaf Business. Customers incorporated outside the United States now access these account and payout tools under the stated eligibility rules.
The company announcement listed the supported payout channels explicitly. Wire ACH and RTP cover the core transfer options. Eligible debit cards provide an additional route. All activity ties back to payments for U.S. suppliers employees and contractors. Decaf Business serves as the management interface for the full set of accounts and transfers.
OwlPay Harbor powers the dollar payment elements. The development credit goes to Owlting Group. The Oct. 14 2026 update marks the point when the expanded eligibility took effect for companies incorporated outside the United States.