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.

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 Co-buyer Route 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.

A memorandum of agreement on a phone, with three co-owners listed and a button to continue to signing — Multi-party signing. Each co-owner reviews and signs the same document.

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 and messaging wired in through 8 outside services.
58,000+ lines of technical documentation, so the next engineer starts fast.

Related work

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