Product · cobuy.io

Co-ownerOS™

Industry first Monetized Live FintechReal estateLegal2023 to now

We built, launched and monetized the first platform for managing a home you co-own.

ProofFeatured in Forbes. Named in The New York Times.

The Co-ownerOS home screen on a phone, showing a home’s value and two executed agreements, beside three co-owners each marked "All agreed"

My role

Conceived it. Wrote the product spec. Designed it. Led the engineering team.

Results

Pioneered home co-ownership software and blockchain-verified agreements.
Groups across the US subscribe at $1,000 a year to manage shared homes, agreements and finances in one place.
$150K Algorand Foundation grant. Every milestone delivered early, and the Foundation verified full project completion.

What it is

Today homeownership is single-player, but we live in a multi-player world.

The financial, legal and tax systems that keep a homeowner stable are built for a married couple or one person. For everyone else, friends, family, unmarried partners, owning a home together is more complicated, riskier and less efficient than it needs to be.

Co-ownerOS™ runs the whole life of a shared home: buying, owning, exit. A group onboards, works through governance step by step, and comes out with co-ownership agreements. Then it runs the home: the property calendar, expenses and payments, documents, the numbers that matter. The exit is defined before anyone needs it.

It works the same whether a group is buying or already owns. Groups in a purchase follow the same steps and leave with draft agreements they can take to an agent, lender or attorney. Groups that own sign binding ones.

It’s for two to four people who co-own a home, or are about to, with a friend, family member or partner.

Screens

Set up the group

A phone screen asking how many co-owners are in the group — Onboarding on a phone. One question at a time.

A setup checklist with twelve co-ownership tasks, four completed — The setup checklist. 12 things a group needs in place, tracked to done.

Agree and sign

Three phones. The governance steps from basics to exit strategy, a memorandum with two signatures, and the home screen with two executed agreements — Governance, step by step. Ownership, money, policies and exit, agreed before anyone signs. Sample group.

Run the home

A form for creating a recurring governance event, with a category, an assignee, a reminder and a linked document — The property calendar. Recurring events with an owner, a reminder and the related document.

A menu of financial event types, including mortgage payment, property tax and insurance premium — Property events. Every recurring obligation, assigned and on the calendar.

More proof

A group’s decisions on ownership, contributions, responsibilities and exit become two coordinated agreements.
Agreements are co-created, versioned and signed. Every signature is tied to the exact document, with an execution record anyone in the group can verify.
When circumstances change, the group amends and re-signs.
One shared calendar ties obligations, governance and maintenance to an owner, a recurring reminder and the document in the Vault.
36 data entities, 97 API routes and a smart contract, on two isolated databases.
Identity checks, payments, property data, analytics, monitoring and messaging wired in through 7 outside vendors and 10 AWS services.
58,000+ lines of technical documentation, so the next engineer starts fast.

Related work

See it at cobuy.io All products