Our Services
One ecosystem for everyday needs.
Six services are live today, delivered through Goldify. What comes next is listed separately and labelled honestly — proposed or exploring, never an offer until it says so.
Goldify Card
Live nowEarn 1% in gold rewards on eligible spending.
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.
What it offers today
- 1% in gold rewards on eligible spending
- Eligible expenses convert into Value Coins
- A virtual card on the free plan; a personalised physical card on paid plans
Live. Subject to applicable programme terms.
Explore Goldify Card (opens Goldify in a new tab)Online Shopping & Gold Rewards
Live now500+ participating online brands, with up to 20% in gold rewards.
Discover offers from 500+ participating online brands, with gold rewards of up to 20% on eligible offers.
What it offers today
- Offers from 500+ participating online brands
- Gold rewards of up to 20% on eligible offers
- The reward is shown against each offer before you shop
Live. Rewards vary by brand and offer.
Explore Online Offers (opens Goldify in a new tab)Overseas Education
Live nowSupport from exploring options to admissions-related steps.
Navigate overseas education with support across the journey, from exploring options to admissions-related steps, with applicable gold rewards.
What it offers today
- Support from exploring options to admissions-related steps
- Applicable gold rewards on eligible fees
- Live today inside the Goldify app
Live inside the Goldify app.
Explore Education Services (opens Goldify in a new tab)Insurance
Live nowCompare cover, get claims help — and we’ll match your quote.
Compare life, health and general insurance options, get help navigating claims, and access applicable gold rewards.
What it offers today
- Life, health and general insurance options to compare
- Help navigating claims
- Applicable gold rewards
- A quotation match, or a better option
Live. Cover, premium and claims are set by each insurer.
Explore Insurance (opens Goldify in a new tab)Loans
Live nowCompare rates and get support through the process.
Explore loan options, compare available interest rates and get support through the process, with applicable gold rewards.
What it offers today
- Loan options to explore
- Available interest rates to compare
- Support through the process
- Applicable gold rewards on eligible loan amounts
Live. Subject to lender terms and approval.
Explore Loan Options (opens Goldify in a new tab)Gold Store
Live nowDigital gold and jewellery at manufacturing cost on eligible designs.
Explore digital gold and jewellery at manufacturing cost on eligible designs — with manufacturing charges, product pricing and applicable terms explained clearly.
What it offers today
- Digital gold
- Jewellery at manufacturing cost on eligible designs, inside the Goldify app
- Manufacturing charges, pricing and terms shown clearly
Live inside the Goldify app.
Explore Gold Store (opens Goldify in a new tab)
What comes next
Proposed and exploratory — none of these is live.
Better value
Collective participation, aimed at better terms on the things people buy most.
Real estate group negotiations
ProposedBringing interested buyers together to ask for better terms on homes and plots.
Automobile group negotiations
ProposedPooling interest in vehicles so buyers can approach suppliers together.
Fashion marketplace
ExploringSourcing directly from manufacturers, with fewer steps between maker and buyer.
Online food marketplace
ExploringA food marketplace built around quality, service and fair terms.
Community-built services
Services shaped by the people who use them.
Members marketplace
ProposedA place for members to offer goods and services to one another.
Vote the Next Solution
Shaped by membersSuggest what COOWN should build and vote on the ideas that matter to you.
Reimagining essential services
Longer-term ideas for the services families depend on most.
Employee co-owned hospital
ExploringA hospital co-owned by the people who work in it, built around quality of care.
Employee co-owned school
ExploringOne-to-one physical classes, a world-class curriculum and learning paced to each individual student.
Medical information centre
ProposedHelping 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.
Business incubator
ExploringSupport for people building products and services that improve everyday life.
Research lab
ExploringResearch into better ways of delivering everyday services.
Within the ecosystem
Group Negotiations
By bringing interested people together, COOWN aims to create opportunities to negotiate better terms with suppliers across these services — keeping quality, service and experience in focus.
There are no live negotiations right now. Register your interest and you will be among the first to hear when a group forms.
Delivered 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. Questions? Ask through the Membership form.
Be part of what we build.
Register your interest — it takes a minute, and we will only write to you about COOWN.