Realtybits

RealtyBits, now operating as OWNY, is a Palo Alto, California-based financial technology company founded in 2018. Its original product was described as a blockchain-based finance platform for investing in American commercial real estate, enabling real estate investment funds to raise capital from verified and accredited investors in a compliant, streamlined and cost-efficient manner. The company has also been described as making real estate investing more accessible by allowing investors to purchase fractionalized real estate and other assets.

Under the OWNY brand, the company offers a turn-key, white-label platform that combines the Stellar network with AI tooling to help private equity funds and businesses manage capital, investors and banking requirements. The platform covers investor onboarding and identity verification, compliance and documentation, reporting, cash and investment management, tokenization of assets for liquidity, and global payments. It replaces workflows that traditionally rely on multiple disconnected systems, PDFs, email and wire transfers.

Operationally, the platform automates the registration of private offerings on the Stellar network, tokenizing assets without requiring custom smart contracts, and lets issuers list offerings on their own websites. User accounts are linked to unique bank accounts and Stellar-powered wallets; investors complete verification and document signing before making capital contributions in US dollars or other accepted currencies. Ownership and transaction records are tracked on Stellar's immutable distributed ledger via the Horizon API, in a hybrid on-chain/off-chain architecture.

Business model

The company operates a white-label software platform sold to issuers — private equity funds and businesses — that use it to raise capital, onboard and verify investors, manage cash and investments, and move funds. Investors transact at effectively no cost because Stellar network fees are a fraction of a US cent; the company instead charges issuers a platform fee, which it states is priced substantially below comparable solutions.

Fees charged to issuers for use of the platform; investors bear only minimal Stellar network transaction costs.

Latest developments

In September 2025, press mentions reported that OWNY selected Flagright to centralize transaction monitoring and AML compliance and to strengthen its AML and risk monitoring controls. The Stellar case study reflects the OWNY brand and cites more than $4 billion in total capital pipeline for launching private offerings and more than $500 million in transaction volume in one year.