A community-powered consumer company
COOWN brings people together to unlock better value across everyday spending, financial services, education and more. Save through our services, earn applicable gold rewards, and help build a company designed around the common man.
Live today: Goldify Card · Online shopping · Overseas education · Insurance · Loans · Gold Store
Powerful economies are built on shared prosperity.
A company for the common man.
Why we existLive services
Explore services designed to help your money go further, improve everyday experiences and access better value without compromising quality.
Live now01 · Goldify Card
Turn everyday spending into an opportunity to earn gold rewards. Earn 1% in gold rewards on eligible spending and convert eligible expenses into Value Coins, subject to applicable programme terms.
Value Coins are contribution credits, not financial instruments.
02 · Online Shopping & Gold Rewards
Discover offers from 500+ participating online brands, with gold rewards of up to 20% on eligible offers.
The reward differs by brand and offer; up to 20% applies to eligible offers only.
Also live — protection, borrowing, learning and gold
Overseas Education
Navigate overseas education with support across the journey, from exploring options to admissions-related steps, with applicable gold rewards.
Explore Education ServicesInsurance
Compare life, health and general insurance options, get help navigating claims, and access applicable gold rewards.
Our promise
Already have a quotation? Bring it to us — we’ll match it or find you a better one.
On comparable cover, from the insurers we work with. Terms apply.
Loans
Explore loan options, compare available interest rates and get support through the process, with applicable gold rewards.
Interest rates, eligibility and approval are set by each lender.
Explore Loan OptionsGold Store
Explore digital gold and jewellery at manufacturing cost on eligible designs — with manufacturing charges, product pricing and applicable terms explained clearly.
The value of gold can rise or fall.
Explore Gold StoreDelivered through Goldify, the first product in the COOWN ecosystem. Rewards, rates and eligibility are set out in each programme’s terms and can change. Insurance cover and loan terms, rates and approval are set by each insurer and lender. The value of gold can rise or fall.
Co-owning
COOWN brings people together to improve everyday consumer experiences. By combining collective participation, service innovation and responsible business relationships, we aim to create better value while building a company around shared prosperity.
Learn About Co-owningMembership is participation. It does not grant shares, equity or financial returns.
People can access the services COOWN offers.
Collective participation can help create opportunities for better pricing and service.
People can propose ideas and participate in shaping future solutions.
COOWN aims to build a company whose growth contributes to better experiences for ordinary people.
What comes next
COOWN’s future ecosystem will be shaped by real needs, collective ideas and opportunities to improve everyday experiences.
None of these is live yet. Each is proposed or being explored — with no dates or commitments until that is true.
Collective participation, aimed at better terms on the things people buy most.
Bringing interested buyers together to ask for better terms on homes and plots.
How it would workPooling interest in vehicles so buyers can approach suppliers together.
How it would workSourcing directly from manufacturers, with fewer steps between maker and buyer.
A food marketplace built around quality, service and fair terms.
Services shaped by the people who use them.
A place for members to offer goods and services to one another.
Suggest what COOWN should build and vote on the ideas that matter to you.
Help decideLonger-term ideas for the services families depend on most.
A hospital co-owned by the people who work in it, built around quality of care.
One-to-one physical classes, a world-class curriculum and learning paced to each individual student.
Helping you find the right hospitals and labs for your need. If we can’t find a good one, we’ll tell you so. Information, not medical advice.
Support for people building products and services that improve everyday life.
Research into better ways of delivering everyday services.
Vote the Next Solution
Suggest a solution, explore community proposals and vote on the ideas that matter to you.
Explore IdeasExample ideas — illustrations, not results
Finding a reliable plumber, electrician or cleaner usually means asking around and hoping — with no clear standard or recourse.
Stage: Idea
Routine screening is easy to put off when it is hard to compare and costly to buy alone.
Stage: Idea
Books, uniforms and supplies arrive all at once, in a rush, at whatever the nearest shop is asking.
Stage: Gathering interest
No votes have been counted yet. Real proposals will appear as they are shaped.
The movement
We are walking to meet people, listen to their experiences and invite them to help build a company around shared prosperity.
The walk is one way we start conversations — alongside the services we build.
Co-owners Circle
The Co-owners Circle is COOWN’s community space for participation, discussion and ideas — where people who want to help shape the company can meet, talk things through and learn from each other.
The Circle isn’t open yet. Join the movement and we’ll let you know when it is.
Join the MovementJoin COOWN to explore our services, participate in the movement and help shape what we build next.
Our goal is to bring together 25,000 founding members. That is a target, not a count of people who have joined. Membership is participation; it does not grant shares or returns.
What members get
Gold rewards on eligible card spending and online offers.
Insurance, loans and overseas education — with support and applicable gold rewards.
Suggest solutions and vote on the ideas that matter to you.
The Co-owners Circle and the walk are how members will meet and shape what we do.
