Welcome to the Ownera Developer Platform

Build Institutional-Grade Financial Applications - Without Network-Layer Complexity

Ownera provides the application layer for tokenized finance.

We believe every asset - cash, equities, bonds, funds, derivatives - will be tokenized. We also believe the future financial stack will be multi-chain, cross-chain, and deeply integrated with legacy systems.

Ownera already operates in production with major financial institutions, processing billions of dollars daily. This developer guide shows how you can build, extend, or productize institutional-grade applications on top of that live network.

Whether you are:

Building for your own financial institution
Developing a commercial platform for other institutions
Providing infrastructure or applications to other developers

This guide is your starting point.

The Problem: Fragmentation at Institutional Scale

It is relatively easy to build a simple solution for one use case on one asset on one chain.

Scaling a real institutional solution is not.

As soon as financial institutions move to production, they face massive fragmentation:

Identity Fragmentation

One legal entity, many user accounts
Many wallets per user
Wallets spread across chains, omnibuses, and traditional custody systems

Asset & Ledger Fragmentation

Assets exist on multiple chains, smart contracts, and APIs
No single place or method to discover, access, or operate on them
Liquidity fragmented across networks

Orchestration Gaps

Blockchains cannot initiate workflows
Complex flows span pre-trade, trade, post-trade, and lifecycle events
Cross-chain and cross-system coordination becomes brittle

Counterparty Complexity

Trades require multiple regulated entities
Each integration is costly, slow, and bespoke

Integration Overhead

Dozens of services, chains, custodians, and platforms
Years of point-to-point integration

Legal, Risk, and Control Boundaries

Who owns data?
Who signs transactions?
Who is liable for what?

Network layer fragmentation is the true scalability bottleneck of tokenized finance.

The Ownera Solution: A Unified Application Layer

Ownera solves fragmentation by providing a unified application layer, built on the open FinP2P protocol.

Instead of building directly against thousands of network-layer components, you build against stable abstractions:

Users
Assets
Counterparties
Applications
Business intents

Ownera translates those abstractions into the correct actions on:

Blockchains
Smart contracts
Custody platforms
Legacy financial systems

All in real time.

What You Build

Ownera enables you to turn any application into a SuperApp - an application that is:

Multi-ledger - works across chains, custody models, and legacy platforms
Multi-party - interoperates across institutions with zero bilateral integration
Composable - seamlessly connects with other applications and utilities

Two Core Integration Types

Business Applications (Business SuperApps)

Client-facing institutional solutions, such as:

Trading platforms
Issuance and lifecycle management
Lending and financing
Collateral and treasury solutions

Utilities / Connectors

Infrastructure services used by other apps, such as:

Custody & wallet services
Blockchain and smart-contract adapters
Payments
Data and analytics

Integrations can be:

Built by third-party vendors
Built internally by institutions for proprietary use

Core Architectural Model

Each financial organization deploys its own Ownera Router.

The Router:

Connects peer-to-peer with other institutions on the FinP2P application network
Connects to network-layer components through adapters, and to your legacy platforms
Connects to other utilities and business solutions via the SuperApps ecosystem

This architecture keeps all proprietary data and compute fully under your control. Only essential communications, approved data, signed on-chain actions and cryptographic proofs leave your environment.

This architecture delivers:

Institutional security
Regulatory clarity
Clear operational responsibility

The Core Building Blocks

Your integration is composed of five unified mappings:

1. Users & Identity

Map users to legal identity - the User FinID
Associate multiple wallets per user
Support self-custody, segregated custody, and omnibus models

2. Assets

Unified asset identity - the Asset FinID
Asset data from multiple sources
Multiple on-chain representations (i.e. same asset on different chains)
Aggregated liquidity visibility across all chains

3. Counterparties

Financial institutions represented by Routers - the Org FinID
Multi-party transactions across regulated roles
Zero bilateral integration between organizations

4. Applications

Discover and consume Utilities/Connectors - the App FinID
Expose your own services to the ecosystem
Enable application-to-application workflows

5. Business Intents

Define what the business flow needs to achieve
Not how it executes on any specific chain or system
Each business intent translates in real time to an Orchestration Plan, each with a Plan ID

Business Intents & Orchestration

Business Intents are the core abstraction of the Ownera platform.

An intent describes a business outcome:

Trade an asset
A repo loan
Move asset between chains
Trigger lifecycle events

Ownera automatically translates each intent into an Orchestration Plan:

Chooses the desired chains, the correct contracts, and custody models
Coordinates actions across participating Routers
Decentralized execution with full consensus and determinism - no one party is in control

The same intent can power millions of transactions, each optimized and routed dynamically based on the underlying network requirements and conditions.

Why Developers Choose Ownera

Build once - operate across chains and institutions
No bespoke counterparty integrations
Clear security and liability boundaries
Production-grade infrastructure already live at scale
Open protocol with institutional adoption

Your Next Steps

Ready to start building?

Business Applications would typically focus on steps 1-6, while Utilities would typically focus on steps 6-8:

Map users and wallets
Map assets and their representations
Register counterparties
Discover and connect with existing Business Applications and Utilities/Connectors
Define and utilize business intents
Configure orchestration plans
Build adapters to blockchains, custody, and legacy systems
Build data utility applications

With these tools, you can build institutional-grade applications that scale across the entire tokenized financial ecosystem.

Welcome to the Ownera application layer.

Quick Links

Developer Q&A: Getting Started with Ownera - Practical hands-on questions for building on Ownera
Core Concepts: Router & Primitives - Deep dive into identities, intents, and orchestration
Choose Your Integration Path - Business Application or Utility/Connector?
SuperApp Store - Discover existing Business Applications and Utilities/Connectors