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Our business model is built on four key platform pillars that demonstrate both strength and scalability. At the core is our Web Services infrastructure, designed for speed, security, and seamless growth. Our customer acquisition and engagement strategy focuses on efficient scaling and long-term client value, ensuring sustainable growth with clear unit economics.
With a strong focus on regulatory and compliance, our Foundation pillar actively manages risks and maintains trust while staying ahead of evolving global frameworks. Finally, our emphasis on innovation and scalability positions us to capture new opportunities via our Securites pillar who adapts quickly to market shifts, and maintain a long-term competitive edge. Together, these pillars highlight a model that is resilient, future-ready, and primed to deliver strong returns for investors.
Real World Debt is typically difficult to originate and cumbersome to securitize. OSQO’s architecture integrates fractionalisation, securitization and tokenization of debt at origination. Tokenized Digital Twins allow for efficient price discovery, tradability and custody of fractional debt using established Web3 protocols at high speed and low cost.
Use Cases, Pain Points & Solutions
Download PDFFractal instrument architecture enables full product lifecycle management from origination to maturity, securitized at origination as Tokenized Digital Twins for efficient custody, discovery and trading. Hybrid Unit Classes (unique to each fractal) with configurable Rate Class parameters for each, enable competitive new properties for debt securities.
Combine and reuse financial instrument components to create tailored solutions using a domain specific language operable across the OSQO ecosystem. Solution Composition draws on a catalogue of previously developed code blocks and core contracts to cut time to market and cost to launch new products.
The demonstrator product piloted in 2023, at the intersection of home loans and private credit for the Australian market, the Deposit Gap Loan is a fractional home loan to help homebuyers avoid lenders mortgage insurance (LMI) to make capital more productive & improve borrowing costs for tens of thousands of home buyers a year.
The pilot program demonstrated that it cut the cost of first-home ownership by 10-15% and increased returns to investors by over 30-40% above typical fixed income benchmarks with software-like unit economics for a financial product with high ARPU, low churn and self-funding distribution.
Distributed Finance will improve the way credit is allocated, and debt securities are issued, managed and traded in the world today. OSQO’s integrated product design, business operating model and underlying tokenisation architecture offers a compliance-first approach to migrating debt securities onto the Internet.
Improve the way debt is issued, managed and traded, as OSQO Securities.
OWS provides a generalized, jurisdictionally compliant, third-party platform for originating, managing, and trading debt securities. Its architecture, which integrates Hyperledger and Solana, ensures coherence, compliance, and scalability across the debt lifecycle.
For debt operators, OWS significantly reduces time-to-market and cost-to-serve by automating manual and complex processes. By standardizing protocols and fractionalizing assets, it improves cost efficiency and revenue growth. It offers a scalable, secure, and compliant platform for migrating debt securities onto the Internet, allowing non-bank lenders and other financial institutions to "build better debt" and achieve a competitive advantage.
As Tokenisation of real-world assets bridges Traditional Finance and Decentralized Finance, this migration will continue to scale and, as with equities during their migration onto the Internet, discoverability, tradability and liquidity will be key features for growing adoption.
Discovery, liquidity, and trading of OSQO Securities on the Internet of Debt.
OSQO Exchange's primary function is to provide a market for OSQO-Notes, ensuring efficient price discovery, tradability, and custody. It supports same-day settlement on the Solana blockchain and provides a permissioned, compliant environment for trading.
OSQO Exchange is the market for debt securities, providing a platform for the distributed discovery, custody, and trade of OSQO-Notes. It is built on a Web3 architecture that supports same-day settlement on the Solana blockchain. It utilizes an Automated Market Making (AMM) protocol to ensure efficient exchange.
The primary benefit is providing liquidity to an otherwise illiquid asset class. By making debt securities tradable and discoverable, the Exchange broadens the investor pool and improves market efficiency. This allows investors to buy and sell fractional units of debt, and provides issuers with a liquid secondary market for their products.
Debt is the world’s largest asset class and the final product for migration onto the Internet. With OSQOIN as the Unit of Account for the Internet of Debt, its holders (Operators, Issuers, Acquirers and Ecosystem Builders) will govern standards, protocols and oversight of a Distributed Finance Economy on the Internet of Debt.
Trad-Fi Where it Works, De-Fi Where it’s Needed. As the world’s monetary systems polarize between centralization and decentralization, Distributed Finance bridges Traditional Finance and Decentralized Finance.
An integrated token protocol and operating model facilitating interoperability between jurisdictions, identities, and financial instruments. Its value is anchored in the underlying securities issued and transacted on the Internet of Debt.
An operating system for tokenized debt must integrate Token Functions, including provision for AI agents as economic actors, while leveraging decentralized finance for autonomy. It requires codified coherence across traditional functions of financial instruments with interoperability between jurisdictions, identities and instruments.
OSQO-Identity supports the Internet of Debt compliance requirements with auditable, privacy-preserving credentials, enabling secure, authorised access with interoperability between jurisdictions, identities (including AI Agents) and instruments, for local & global regulatory compliance by jurisdiction.
Fractal instrument architecture enables full product lifecycle management from origination to maturity, securitized at origination as Tokenized Digital Twins for efficient custody, discovery and trading. Hybrid Unit Classes with configurable Rate Class parameters for each, enable competitive properties for debt securities.
OSQO-Identity supports the Internet of Debt compliance requirements with auditable, privacy-preserving credentials, enabling secure, authorised access with interoperability between jurisdictions, identities (including AI Agents) and instruments, for local & global regulatory compliance by jurisdiction.
With OSQOIN as the Unit of Account for the Internet of Debt, its holders govern standards, protocols and oversight of the Internet Debt Economy. A Distributed Finance Operating System codifies coherence across traditional functions of financial instruments with interoperability between jurisdictions, identities and instruments, leveraging decentralized finance (DeFi) for autonomy.
OSQO’s available investment opportunities lie within three integral, expansive platform channels. All of which have post valuations of close to x7 return estimates. These opportunites offer an unprecendented level of share percentage & return estimates that will not be offered at any further investment stage.
OSQO integrates fractionalization, securitization and tokenization of debt at origination. Digital Twins allow for efficient price discovery, tradability and custody of fractional debt using established Web3 protocols at high speed and low cost.
A breakdown of the TAM Dynamics shows the volume of where the debt market currently sits from a total revenue perspective. This drill down gives light to the OSQO Service Channels that are engaged to ensure capture of the Serviceable Obtainable Market via an efficient, stable & integrated tokenization platform.
Tokenization, a $400B Opportunity
Download PDFThe Power of
Tokenization
Learn more about each opportunity by selecting an OQSO Icon below.
Distributed Finance will improve the way credit is allocated, and debt securities are issued, managed and traded in the world today. OSQO’s integrated product design, business operating model and underlying tokenisation architecture offers a compliance-first approach to migrating debt securities onto the Internet.
The OWS equity offering provides investors with a stake in the core operating system for the Internet of Debt. OWS functions as a B2B platform for tokenized debt, offering a compliance-first approach to migrating debt securities onto the Internet. The platform is designed to improve how credit is allocated, and debt securities are issued, managed, and traded. This investment is an opportunity to participate in a foundational technology that enables the entire OSQO ecosystem.
OSQO Web Services targets a serviceable obtainable market (SOM) of $155 billion per year, representing the revenue from debt issuance and management. The platform is positioned as a B2B platform operator in a multi-trillion-dollar total addressable market (TAM). The platform’s ability to "Build Better Debt" through its compliance-first approach and efficient architecture for OSQO Securities makes it attractive to non-bank lenders and other financial institutions.
By providing the foundational technology for debt tokenization, OWS is the engine driving the growth of the entire OSQO ecosystem and is essential for realizing the broader, incremental $400 billion revenue opportunity identified by J.P. Morgan and Bain & Company.
The investment thesis for OWS is that of an operating system. Its value is derived from asset migration, the creation of a minimum viable value chain, and digital twinning of legacy instruments. The platform's architecture is built on a coherent, hybrid-fractional, and composable model, which allows it to integrate fractionalization, securitization, and tokenization of debt at origination. This cuts the time-to-market and cost-to-serve for third-party debt product developers and issuers. By offering a standardized, globally compliant platform, OWS is positioned to become the go-to solution for institutional players looking to enter the tokenized debt market.
OSQO Exchange's primary function is to provide a market for OSQO Securities, ensuring efficient price discovery, tradability, and custody. It supports same-day settlement on the Solana blockchain and provides a permissioned, compliant environment for trading.
The OSQO Exchange is being offered to investors through an equity sale. It is a critical component of the OSQO ecosystem, serving as the market for tradable debt securities on the Internet of Debt. The Exchange facilitates the discovery, custody, and trade of OSQO-Notes (OSQO Securities) and is a key driver of liquidity. The investment thesis centers on the migration of real-world assets onto a distributed finance framework, similar to how equities moved onto the Internet. As tokenization scales, the Exchange acts as a central hub for liquidity and price discovery for debt.
The global debt market represents a multi-trillion dollar opportunity, and the OSQO Exchange targets a serviceable obtainable market of $185 billion per year in trading revenue. This is part of the broader $340 billion per year SOM for the OSQO ecosystem. The Exchange's value proposition is tied to the growth of the overall platform, as more debt securities are originated on OSQO Web Services and require a market for trading.
The J.P. Morgan and Bain & Company report highlights an incremental $400 billion revenue scaling opportunity from reaching retail markets via tokenization, and the Exchange is a primary mechanism for realizing this by providing liquidity and improving the investor experience.
The investment thesis is built on the premise that as real-world assets become tokenized, the need for a robust, liquid, and distributed market becomes paramount. The OSQO Exchange addresses this by providing "permissioned, multi-jurisdictional custody" and a trading platform on public and private ledgers. It operates an Automated Market Making (AMM) protocol to ensure efficient currency exchange and liquidity. This approach is designed to overcome the historical illiquidity of debt markets, making them more accessible and tradable. By providing a market for multi-hundred-billion-dollar trade volumes, the Exchange is positioned to capture significant trading revenue.
OSQOIN (OSQ) acts as the Unit of Account and a Store of Value within the OSQO ecosystem, facilitating interoperability between jurisdictions, identities, and financial instruments. Its value is anchored in the underlying securities issued and transacted on the Internet of Debt.
The OSQO Foundation represents a unique investment opportunity in the economic governance of the "Internet of Debt." As the global debt market, the world's largest asset class, begins its migration onto the Internet, the OSQO Foundation is positioned as the governing body and "Unit of Account" for this new economy. The investment is structured as a token sale of OSQOIN (OSQ), which is the reserve currency and unit of account for the Internet of Debt. Holders of OSQ will govern the standards, protocols, and oversight of this new Distributed Finance (Di-Fi) economy.
The global debt market is vast, with a total value of over $315 trillion and annual issuances of $95 trillion.
OSQO's serviceable obtainable market (SOM) for issuance, management, and trading of corporate bonds and syndicated debt is estimated at $340 billion per year, which is a significant portion of the total market.
The investment thesis for the OSQO Foundation is centered on a "Proof of Work" protocol for its token, OSQOIN (OSQ), combined with a sophisticated "expanding generation" protocol. This design ensures that as OSQO Securities Under Management (OQN) on the platform double, the token allocations for rewards halve, while the time between generations lengthens.
This creates a high-growth/low-volatility dynamic that rewards early investors while building long-term value stability. The model is structured in three phases, adoption & expansion, operating system scaling, and finally becoming a dominant global standard with network effects. The OSQO-Dollar (OQD) stablecoin tokenomics model is designed to counter fiat currency oversupply, for a distributed and productive credit system.
Our team combines broad financial industry experience with deep fintech expertise to capture a massive untapped market opportunity. By simplifying and streamlining debt transactions, we unlock liquidity, reduce costs, and open access to a wider range of participants. The result is a scalable marketplace with strong network effects, positioned to reshape a multi-trillion-dollar asset class. For investors, this is more than a platform, it’s a first-mover advantage in the digital transformation of global debt trading.
Founder & CEO
Mechanical Engineer & Enterprise Applications Executive at IBM and Accenture.
Co-Founder & CTO
Microsoft General Manager of Developer & Platform Group Asia Pacific.
Customer Engagement
Director of User Experience at AFL and Tatts. World Economic Forum Technology Pioneer award winner.
Systems Engineering
Technical architect at Telstra with over 20 years in backend technology, application development and blockchain protocols.
Product Risk & Compliance
Banking and hedge fund background in capital markets and derivatives trading & structuring across Australia, US & UK.
General Council
Corporate lawyer at BHP, accredited mortgage broker and member of the MFAA.
