Picture this

Who it is for

Wanjiru Kamau and four neighbours near Nyeri, Kenya, pooled money for a used tractor, then fought every planting season over who used it first, left it idle three weeks when the clutch broke, and watched one neighbour rent it out and keep the money. Co-Own records everyone's shares, books planting days by share weight with a clash rule they agreed, tops a repair fund with every hour of use and splits outside rental income by shares. The paper agreement still says who legally owns the tractor; Co-Own keeps the shares and money straight.

Two ways to own it

What you get

Base$100

Yours in 3 to 5 days

The user app: share register for one shared thing, booking calendar with days by share weight and a clash rule, usage fees into a repair fund, repair votes by share weight, outside rentals with income split by shares, ledger with receipts, share sale with first refusal, plans and simulated checkout.

You choose: accent color
You choose: asset type and units (days, hours, trips)
You choose: clash rule
You choose: local currency labels

Customfrom $2,000

Built around you

Reshape it entirely: new features, your flows, your brand end to end, integrations you need. We scope it with you.

Everything in Base
Custom features and design
Priority build

Why it is new

What exists today, and what this does differently

What is new

Fractional ownership platforms tokenize yachts and property for investors, and co-ownership tools schedule boats offchain. What is new is the small, known group version as an owned app: an onchain share register for people who already know each other, booking days weighted by shares with an agreed clash rule, a repair fund topped by usage fees, repair votes by share weight and rental income split automatically, with plain honesty that the legal agreement stays offline.

Closest things out there

CBA and EY's shared smart asset pilot with farmers who co-owned a tractor, WeCoOwn (co-ownership with blockchain share tracking, offchain scheduling), diyFractional (offchain scheduling and expenses), plus yacht and property tokenization platforms aimed at investors.

Checked with web searches in October 2026. A search is not proof that nothing similar exists, and the market moves fast, so we recheck before every build.

What it unlocks

The human in it

Neighbours can afford a machine none of them could buy alone, and stay neighbours because the rules and the money are written down where everyone can see.

The Regatta Board

Races Co-Own can enter

2 live races fit this app. Each one says why, with its prize and countdown. The rule on existing code is on the race page.

Grant roundPolygonPolygon Community GrantsFundingNot announcedRolling, apply any timeWhy it fits. Real world asset coordination for small groups fits community grant themes; check current terms.13 other apps can enter tooSee the race Grant roundBaseBase Builder GrantsFundingNot announcedRolling, apply any timeWhy it fits. Shipped apps with real groups recording shares on Base can apply; check current terms.56 other apps can enter tooSee the race

See every race on the board

What you own

The whole app, not a starter kit.

Your own small group co-ownership app: neighbours record shares in a tractor, boat or roaster, book days by share, fill a repair fund with every hour of use and split rental income, while your console runs plans, group defaults, growth and the assistant log.

Base price · $100

The user app, complete

Every buyer gets the same finished app. Basic branding and copy changes come through a quick form.

Illustrated home with share ring and first-run onboardingHome

Three step welcome, your share, days left, the repair fund and the shed board.

Season calendar with days by shareBook

Tap to book or release days, quotas by share weight, max days in a row and the first rain marker.

Season quota barsBook

Each co-owner's used and allowed days, with the usage fee estimate into the fund.

Booking clash with the group's ruleMoments

Two people want the same day; rotating first pick or bigger share decides, or a recorded paid swap.

Repair vote and fund payoutMoments

Mechanic quote against the fund, votes by share weight to a threshold, top up by shares or pay the rest later.

Outside rental splitMoments

A neighbour rents on a free day; the fund's cut first, the rest split by shares.

Share register and money ledgerLedger

Share sale with first refusalLedger

A leaving member's shares are offered to co-owners first at the agreed price.

Plan, group settings and invitesMe

Plain legal note, group plan through simulated checkout, SMS reminders and co-owner invites.

Permissions, share card and visionMe

What the assistant may and may never do, a share card and where the app is going.

Open the full app demo

Add-on

Owner console

Your admin side: revenue, paywall editor, users, rules and the agent log.

Revenue dashboard and payoutsRevenue

MRR, plan mix, monthly chart, incoming USDC payments and payment method toggles.

Live paywall editorRevenue

Rename tiers, set prices and choose what is gated; the Plans sheet updates instantly.

Group defaultsRules

Usage fee, rental rate, fund cut, repair vote threshold, max run and the clash rule.

Assistant log and costsAgent

Offline double bookings and hour disputes, how the system adapted, and monthly running costs.

Roadmap and build requestsRoadmap

v1 included, v2 hour meter and M-Pesa, v3 share market and insurance.

Top-up

Growth and referrals

Referral and growth mechanics, switched on when you are ready to grow.

Renter loop and asset mixGrowth

Rental receipt growth loop, what groups co-own and groups by month.

The money path, built in

How it earns for you

Each group pays you a small monthly plan, once for the whole group. The register, calendar and repair fund are free for small groups; Yard and Co-op add rentals, bigger groups, share sales and more assets. You never take a cut of rentals or the fund.

ShedFreeOne shared thing, up to 4 co-owners, share register, booking calendar, repair fund.

Yard$6 per month per groupUp to 12 co-owners, outside rentals with income split, repair votes by share weight, season reports.

Co-op$19 per month per groupSeveral shared things, share sales with first refusal, agreement export.

Prices are yours to set. Illustrative, not a promise of income.

Growth loops, built in

How it spreads

Renters get a receipt showing the split and start their own groups
Farmer co-ops, SACCOs and boat clubs show the calendar at meetings
Each co-owner invites the next when a group adds a second asset
Season reports a group can show the local agricultural officer

Roadmap · build the next phase with us

Where it goes next

v1 included

The co-ownership app

Share register
Calendar by share weight
Repair fund and votes
Rental income split
Plans, paywall editor and console

Included

Hour meter and M-Pesa

Bluetooth hour meter
Fees from real engine hours
Mobile money top ups and payouts
SMS booking for basic phones

Add-on from $600

Share market and insurance

Share sales to vetted neighbours
Group insurance quotes
Replacement savings
Local agreement templates

Add-on from $1,200

The pitch, ready for investors and grant reviewers

Unlocked when your app is paid in full

Your 2 minute demo script

Unlocked when your app is paid in full

Make it entirely yours

Your brand, asset types and units, local language, mobile money partner, hour meter hardware or a white label for a farmer co-op federation are scoped and priced together.

Custom from $2,000

BLUEPRINT

Why it matters and how it really works

The recipe (how it is built, the data, costs, risks, build order, the pitch and the demo script) is unlocked when your app is paid in full.

The need

Small groups who know each other buy things together all the time: a tractor, a fishing boat, a coffee roaster, a laser cutter. Then they argue over who uses it when, who pays when it breaks, and where rental money goes, until the thing sits idle or the friendship breaks.

What exists and what is new

Partly exists. Investor facing tokenization platforms fractionalize yachts and property, CBA and EY piloted shared asset ownership with farmers who co-owned a tractor, and tools like WeCoOwn and diyFractional schedule shared boats offchain. Co-Own is the small group version as an owned app: an onchain share register, booking by share weight with an agreed clash rule, a repair fund topped by usage fees, votes by share weight and rental income split automatically. Research verdict: partly exists, medium novelty.

The data it runs on

Unlocked when your app is paid in full

1.The mission

Let people who know each other own useful things together, fairly, without the fights.

2.Why people can't resist it

The planting calendar Everyone sees their days by share and who has the tractor today. Clashes follow a rule the group chose, not whoever shouts loudest.

The repair jar Every hour of use drops a few dollars into a fund. When the clutch goes, it is fixed the same week.

The rental split Rent it to a neighbour and the money is split by shares in seconds, with a cut for the fund.

3.How it works for real

Unlocked when your app is paid in full

4.Pricing

Cost per use: unlocked when your app is paid in full.

Shed Free

One shared thing, up to 4 co-owners, share register, booking calendar, repair fund.

Yard $6 per month per group

Up to 12 co-owners, outside rentals with income split, repair votes by share weight, season reports.

Co-op $19 per month per group

Several shared things, share sales with first refusal, agreement export for a lawyer or local authority.

5.Growth loop

Renters see the split on their receipt and start groups of their own. Farmer co-ops and boat clubs show the calendar at meetings. Groups are people who already know each other; there are no public share sales or investment pitches.

6.Risks and guardrails

Unlocked when your app is paid in full

7.Build order

Unlocked when your app is paid in full

8.Where this is going

Now
Five neighbours, one tractor, a calendar and a repair fund everyone trusts.
Next
Hour meters on the machine and mobile money top ups, so co-owners without smartphones are equal members.
Later
Fair share sales between neighbours, group insurance and a replacement fund next to the repair fund.
The world it builds
Small farmers, fishers and makers own the tools of their work together, instead of renting them from someone richer.

Costs and tools are estimates at the time of writing. General information only, not legal or financial advice.

OWNER PLAYBOOK

Own it, then chart your voyage

Nine routes from one vessel. Tap a port to open its chart.

Why own Co-Own

Everywhere, small groups buy useful things together and then fall out over them. Owning Co-Own means you give those groups a fair system: shares written down, days booked by share, a repair fund that fills itself and rental money split without arguments. Start with one group you know, a farm, a boat, a maker space, and let the rental receipt bring the next.

What’s stopping you?

“Is this a securities offering? I do not want legal trouble.”

Co-Own is for people who already know each other. Shares are only between approved members, there is no public market and no promised return. The app says plainly that legal ownership needs a signed local agreement. Rules differ by country, so get local advice before you run groups at scale. This is not legal advice.

“Farmers and fishers are not on crypto.”

They do not need to be. Passkey wallets, SMS reminders and mobile money top ups do the work; co-owners see days, shares and shillings. Start with one group where one member is comfortable with a phone.

“What if the group still fights?”

Most fights are about missing rules, not bad people. Co-Own makes the group choose a clash rule, a repair threshold and a fee before the first booking. When it gets hard, the rule decides, and the log shows what happened.

“Groups are small. Can this earn anything?”

Each group pays a small plan, and groups spread: every renter sees the split and every co-op has many groups. The ladder below grows by co-ops and federations, not by single sales.