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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 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
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.
