Oner Network

Oner Network has created a faster, cheaper, more accessible approach to global payments.

It’s developed a new payment-infrastructure system, built by experts from Goldman Sachs, JP Morgan, IBM, Oracle, and Citibank. It’s a system the company describes as “the universal financial network for humans and Artificial Intelligence (AI).”

Oner created this system to reduce the time and costs associated with making payments. Consider the various fees and headaches that are attached to the current process. For example:

Credit card payments come with a 2% or 3% transaction fee charged to merchants. Wire-transfer fees can be as much as $50. Meanwhile, transfers between bank accounts and international transactions can take as much as five business days to complete.

Now imagine being able to make any transaction almost instantaneously and for less than one cent. That’s what Oner’s network makes possible.

“People businesses, and AI agents need a faster, cheaper, always-on, globally connected, AI-native financial network,” said Semih Ergur, a director at Oner and former Vice President at Citibank.

With its system, Oner is targeting several massive markets. These include the $194 trillion market for cross-border payments, the trillion-dollar rewards and income economy, and the $236 billion AI Agent market.

Essentially, Oner’s system involves three core pillars:

The Network — Global, scalable, and compliant by design, enabling instant, low-cost transfers across previously fragmented networks.

The Products — A truly internet-native financial system, including the multi-issuer regulated digital dollar, a global card linked to that currency, and real-time cash back rewards.

The Model — Oner’s business model has multiple revenue streams, creating continuous and compounding value.

Said Oner co-founder Azim Ghader, “We’re not competing with Visa or Circle. We’re building the layer they’ll all plug into.”

Oner has developed its technology and is engaged with potential regulatory partners. Smart contracts have been audited and tested. Trademarks have been filed and patents are in the works. Now the company is raising funds to expand its partnership opportunities and put the finishing touches on its technology.

Team Background

Azim Ghader - President

Azim has nearly twenty years of experience in the financial technology industry. In addition to his role with Oner, he is Founder of Unidef, a software-development company focused on the IT market.

Previously, he spent fifteen years as a founder of multiple financial-services and payment companies. These included a digital-currency firm, a cash-on-delivery startup, and a full-service marketing agency.

Asit Kharshikar - VP, Engineering

Asit joined Oner Network after working as a managing director with JP Morgan, a financial-services company. Before that, he spent six years with Paytm, a financial-services company, as its Vice President of Engineering.

Earlier, he founded Nuvidata, a tech company that helps developers track and find problems in their mobile apps. Prior to that, he was Chief Technology Officer with Hike Messenger, a tech company focused on the gaming industry in India.

Asit spent the early part of his career as an engineering manager with Zynga, a gaming company, and was part of the founding team for Zynga India. Before that, he was a senior developer for a handful of software companies.

He earned a Master’s degree in Computer Science from Savitribai Phule Pune University in India and a certificate in Machine Learning from Stanford.

Val Rahmani - Advisor

Val has twelve years of experience as a Board Director and more than thirty years of experience in the technology industry.

For the past eight years, she’s been a non-executive director with the London Stock Exchange Group. Prior to that, she held the same role with Hewlett Packard, a computer company.

Earlier in her career, she spent a decade with IBM, working as a general manager of the company’s wireless solutions division and internet-security systems division. She holds a Ph.D. in Chemistry from the University of Oxford.

Co-Investors