← Embedded Finance Index 2026

Ownr

Can a bank-owned SaaS be the default front door for every new business in Canada?

Founded2017
HQCanada
IndustryVertical SaaS / Legal
The story

Ownr launched in 2017 within RBC Ventures as a business-registration and incorporation platform for Canadian entrepreneurs. It expanded via the 2020 acquisition of Founded to add corporate governance, equity management, and legal document automation. Today it operates as a vertical SaaS legal/compliance platform tightly integrated with parent RBC — most notably driving RBC Business Deposit Account sign-ups via a cashback offer — rather than as a fintech that issues its own accounts or cards.

Last 12 months
Product timeline
2017
Ownr registered its first business in November 2017 as an RBC Ventures product.· launch
2020
Ownr (via RBC Ventures) acquired Founded, an all-in-one online business legal platform.· acquisition
2021
Founded and Ownr consolidated onto a single platform at Ownr.co with a new brand.· pivot
2021
Crossed 55,000+ Canadian businesses registered/incorporated.· milestone
Acquisitions
Founded2020
All-in-one Canadian legal platform for incorporations, equity management, and legal agreements; merged into Ownr in 2021.
The stack
1 layer disclosed in Ownr’s embedded-finance stack
Accounting
Xero
Accounting gap: minor