Your money never
touches our hands.

Owna is read-only by design, we see the math, your bank keeps the money.

Bank-grade encryption

AES-256 at rest, TLS 1.3 in transit. Connections via PSD2-licensed providers, your credentials never reach us.

Read-only, always

Owna can look, never move. Reserves are virtual envelopes on top of your own bank account.

You own your data

GDPR-native. Export or erase everything in one click, no retention games, no data resale. Ever.

Independently audited

SOC 2 Type II certified, penetration-tested quarterly. Reports available on request.