COOWN Platform Description¶

Version: 2.0
Last Updated: 2026-02-09
Status: Current

Executive Summary¶

COOWN is an enterprise-grade FinTech SaaS platform that enables European SMEs to manage their entire business cashflow through a single, integrated solution combining crypto and traditional finance. By bridging the gap between blockchain-based payments and conventional banking, COOWN eliminates the friction, costs, and complexity of managing multiple financial tools while providing unprecedented transparency and control over business finances.

Website: https://coown.finance

The Problem¶

European SMEs face significant operational challenges in managing their finances:

1. Fragmented Financial Infrastructure¶

Multiple disconnected systems: banks, payment processors, ERP, accounting software
No single source of truth for financial data
Manual reconciliation between systems
Data inconsistency and reporting delays

2. High Transaction Costs¶

Traditional banking fees for international transfers
Payment gateway fees (3-5% for card payments)
Currency conversion spreads
Wire transfer costs

3. Operational Inefficiency¶

Manual invoice generation and tracking
Time-consuming approval workflows
Complex treasury management
Reconciliation overhead

4. Limited Financial Control¶

Difficulty enforcing spending policies
Slow approval processes for payments
Lack of real-time visibility into cash position
Inadequate shareholder reporting

5. Compliance & Security Risks¶

White-collar crime (unauthorized transactions, fraud)
Weak internal controls
Cyber security vulnerabilities
Audit trail gaps

The COOWN Solution¶

Elevator Pitch (30-Second Version)¶

"The average European SME wastes €50k yearly on fragmented financial tools and transaction fees. Worse, in traditional banking, CEOs and IT staff face no technical restrictions on accessing funds—creating fraud risk.

COOWN lets shareholders take back control. The shareholder assembly sets spending limits for everyone—including executives. Operations pays suppliers within their competencies, managers approve payments from mobile with push notifications, and real-time reporting keeps everyone aligned. Social controls within each account plus shareholder oversight prevent fraud and insider attacks while enabling operational speed.

One platform for Euro and crypto payments. 80% overhead reduction. Blockchain-hosted, accessible via Microsoft, Google, Apple, Proton, or cold keys. No coding needed. Individual users enjoy free Euro and stablecoin transactions."

Elevator Pitch (10-Second One-Liner)¶

"COOWN gives shareholders control over company funds through smart contracts—preventing CEO fraud while empowering teams to operate at full speed."

Governance-Focused Version (For Investors/Board Members)¶

"Most SME treasuries have a fatal flaw: CEOs and IT staff can access funds without technical restrictions. COOWN solves this with shareholder-controlled smart contracts. The shareholder assembly is the highest authority over funds. They set spending limits for management and employees. Operations pays suppliers within approved budgets, managers approve via mobile push notifications, and social controls within each account prevent insider fraud. Euro and crypto payments in one platform. 80% cost reduction. Real-time reporting. Blockchain security. No coding. Free for individuals."

Core Value Proposition¶

One Platform. Both Worlds. Full Control.

The Problem COOWN Solves:

European SMEs face three critical challenges:

Governance Risk: Unchecked Executive Access
In traditional banking, CEOs and IT staff have unrestricted access to company funds
No technical limits on transfers—executives can drain accounts
Shareholders discover fraud months later during audits (think Wirecard)
Single points of failure (CEO incapacitated = operations frozen)
Operational Bottlenecks
Only 2-3 people (CEO, CFO) can approve payments
Employees wait days for expense approvals
Operations stalled by finance bureaucracy
Lost opportunities due to slow payment execution
Financial Inefficiency
💸 €50,000+ wasted annually on transaction fees (3-5% payment gateways, wire transfers)
🔀 Fragmented tools (banks, payment processors, accounting software, ERP)
⏱️ Hours spent on manual reconciliation and data entry
🔒 Multiple attack surfaces, weak internal controls
⚖️ Complex AML/KYC compliance

The COOWN Solution:

COOWN introduces shareholder-controlled treasury via smart contracts:

1. Shareholder Assembly = Ultimate Authority - Shareholders control the smart contract holding company funds - Set spending limits for everyone (including CEO, CFO, CTO) - Approve transactions >€100k via mobile push notifications - Real-time dashboard visibility into all funds - Cannot be overridden by management or IT staff

2. Empowered Teams with Guardrails - Every employee gets controlled access to funds (custom daily/monthly limits) - Operations pays suppliers within their €10k/month competency—no bottleneck - Managers approve payments from mobile with push notifications - Social controls within each account (peer visibility, role-based permissions) - Prevents fraud while enabling operational speed

3. Integrated Financial Platform - Crypto + Fiat: Bitcoin, stablecoins, Euro (IBAN, SEPA, VISA) in one platform - Payment processing: Shop, POS, invoices, quotes—all with automated accounting - Treasury management: Multi-sig, spending limits, approval workflows, real-time reporting - Non-custodial security: Users control keys (management can't drain accounts) - Automated accounting: Real-time P&L, cash flow, shareholder dashboards

The Result:

✅ Shareholder control - Smart contracts enforce governance; management can't override
✅ Fraud prevention - Technical restrictions on CEO/IT; shareholders approve large transactions
✅ Operational speed - Teams pay within limits; no bottlenecks; mobile approvals
✅ 80% cost reduction - Replace 5+ tools, free Euro/stablecoin transactions for individuals
✅ 10+ hours saved weekly - Automated reconciliation, real-time reports
✅ Complete visibility - One dashboard for all finances (crypto + fiat)
✅ Enhanced security - Non-custodial, blockchain-hosted, full audit trail
✅ Regulatory compliance - PolyReg-licensed (Swiss VASP), FINMA-compliant
✅ Universal access - Microsoft, Google, Apple, Proton, or cold keys login

Who This Is For:

Small to medium enterprises (35-350 employees) in the Eurozone that: - Are paying high transaction fees and want to reduce overhead - Need better treasury controls (spending limits, approval workflows) - Want to accept both crypto and traditional payments - Require real-time financial visibility for decision-making - Value security (non-custodial) and compliance (PolyReg/FINMA)

Core Features & Capabilities¶

1. Payment Processing¶

Shop Integration¶

Embeddable payment widget for e-commerce
Support for crypto and fiat payments
Real-time settlement (no 3-day bank delays)
Automated accounting entry creation

Point of Sale (POS)¶

In-person payment acceptance
QR code-based crypto payments
Card payments via integrated VISA
Receipt generation and tracking

Invoicing¶

Professional invoice generation
Automated payment tracking
Multi-currency support (EUR, BTC, stablecoins)
Payment reminders and status updates

Quotes¶

Quotation creation and management
Convert accepted quotes to invoices
Track quote-to-payment lifecycle

2. Treasury Management¶

Multi-Signature Wallets¶

Shared business wallets with role-based access
Configurable spending limits per user/role
Payment approval workflows (single or multi-party)
Shareholder control mode (for high-stakes decisions)

Spending Controls¶

Daily/weekly/monthly spending limits
Per-transaction approval thresholds
Category-based budgets
Real-time balance visibility

Payment Approvals¶

Configurable approval chains (1-of-N, M-of-N)
Mobile push notifications for pending approvals
Audit trail of all approval actions
Escalation for time-sensitive payments

3. Crypto Services¶

Supported Assets¶

Bitcoin (BTC): Native support
Euro Stablecoin (EURe): Primary stable asset (via Monerium)
USDC: Circle USD stablecoin
Additional stablecoins: ERUC, zCHF (Frankencoin), GLDT (gold-backed)
Future: Additional assets from Arc Network, Stellar, Keeta

Wallet Services¶

Non-custodial: Users control their private keys (COOWN team cannot access funds)
Multi-sig architecture: Business logic for spending controls
Receive, hold, send: Full wallet functionality
Gas-free transactions: COOWN sponsors transaction fees (except Bitcoin)

Blockchain Infrastructure¶

Primary: Internet Computer Protocol (ICP)
EVM compatibility: ICP canister runs EVM for direct communication with Ethereum, Base, and other EVM chains
Cross-chain: Potential integration with Keeta network (DAG-based, Base-compatible)

4. Fiat Services¶

Euro Integration (via Monerium)¶

IBAN accounts: Each user/business gets EU IBAN
SEPA Instant: Real-time Euro transfers (24/7/365)
EURe stablecoin: Seamless conversion between fiat EUR and crypto EURe
Regulatory coverage: Monerium is a licensed e-money institution

VISA Debit Card¶

Physical and virtual VISA cards
Funded from COOWN wallet (crypto or fiat)
Spend crypto at any merchant accepting VISA
Real-time transaction notifications

Payment Gateway¶

Accept Euro payments from customers
Instant settlement to COOWN wallet
No chargebacks (crypto finality)
Low fees compared to traditional gateways

5. Financial Reporting & Accounting¶

Automated Accounting Trails¶

Every transaction automatically creates accounting entry
Double-entry bookkeeping compliance
Real-time financial statements
Export to external accounting software (if needed)

Shareholder Dashboards¶

Real-time profit & loss
Cash flow visibility
Spending by category/department
Customizable reporting periods

Dividend Management¶

Automated dividend calculations
Direct payment to shareholders via COOWN
Tax documentation generation
Historical dividend tracking

Technical Architecture (High-Level)¶

Decentralized Infrastructure¶

Primary Blockchain: Internet Computer Protocol (ICP) - COOWN's backend ("canisters") runs entirely on-chain - High-performance, scalable, tamper-proof - Web-speed blockchain (sub-second finality)

EVM Integration: - ICP canister runs embedded EVM - Direct communication with Ethereum, Base, and other EVM chains - No bridge required (chain-key cryptography)

Non-Custodial Security: - Users generate and control their own private keys - COOWN developers have zero access to user funds - Emergency recovery concept (if COOWN down >30 days, users can withdraw via EVM)

Tech Stack¶

Backend: - Languages: Motoko, Rust - Hosting: Internet Computer Protocol (fully on-chain)

Frontend: - Framework: ReactJS - Hosting: Internet Computer (served from canisters)

Infrastructure: - Domain/Email: Registered and hosted in Switzerland - Key Management: ID.ai integration (future) - Compliance: Swiss-based operations (PolyReg member)

Integrations¶

Partner	Service	Purpose
Monerium	E-money license, IBAN, EURe stablecoin	Fiat on/off-ramp, KYC/KYB
GnosisPay	VISA debit card	Crypto-to-fiat spending
Circle	USDC stablecoin	USD liquidity
Bitcoin Network	BTC	Native Bitcoin support
GLDT	Gold-backed token	Gold exposure
Frankencoin	Swiss franc stablecoin (zCHF)	CHF exposure
Keeta (future)	Cross-chain, Base network	Performance, bank partnership
Uniswap (future)	DEX API	Token swaps

Target Market¶

Primary: B2B (SMEs)¶

Ideal Customer Profile: - Company size: 35-350 employees - Geography: Eurozone (Northern Europe, Scandinavia, Baltics, Benelux, Ireland, Malta, Cyprus) - Industry: Any (with focus on crypto-friendly, tech-savvy businesses) - Pain points: High transaction costs, fragmented financial tools, need for treasury controls

Use Cases: 1. Invoicing & Payments: Replace traditional invoicing software + payment gateways with COOWN 2. Treasury Management: Enforce spending limits, approval workflows, shareholder oversight 3. Shareholder Reporting: Real-time financial visibility for investors/founders

Secondary: B2C (Freemium)¶

Offering for Individuals: - Free IBAN account - Free VISA debit card - Free crypto wallets (multi-currency) - Gas-free transactions (COOWN-sponsored) - No setup fees

Purpose: - User acquisition funnel (individual users become company decision-makers) - Network effects (more users = more utility) - Brand awareness

Business Model¶

Revenue Streams¶

Primary: B2B Subscriptions - Pricing: Per user group (company/team licenses) - Model: Freemium → Paid tiers based on usage/features - Transaction fees: COOWN sponsors fees (except Bitcoin) to provide seamless UX

Future: Token Economics (2027 ICO) - COOWN token launch - Staking rewards - Utility within platform - Potential yield-bearing integrations (Ondo, Circle yield products)

Cost Structure¶

Low-Cost Operations: - Infrastructure: ICP hosting (predictable, low-cost) - Transaction fees: Sponsored by COOWN (customer acquisition investment) - Team: Lean (4 developers, 1 designer, founder/CEO)

Key Investments: - Regulatory compliance: PolyReg membership, legal counsel - Marketing: Customer acquisition (currently vacant role) - Partnerships: Banking, blockchain integrations

Competitive Differentiation¶

vs. Crypto Exchanges (Coinbase, Crypto.com, Binance)¶

Feature	COOWN	Exchanges
Target audience	SMEs/businesses	Retail consumers
Treasury management	✅ Multi-sig, spending limits, approvals	❌ Individual wallets only
Fiat integration	✅ IBAN, SEPA, VISA	⚠️ Limited (on/off-ramp only)
Invoicing/POS	✅ Built-in	❌ None
Accounting	✅ Automated trails, financial reporting	❌ Manual export
Non-custodial	✅ Users control keys	⚠️ Mostly custodial

vs. Traditional Banking¶

Feature	COOWN	Banks
Crypto support	✅ Native	❌ None or very limited
Transaction speed	⚠️ Instant (crypto), near-instant (SEPA)	❌ 1-3 days (SEPA)
Transaction costs	✅ Free (sponsored) or very low	❌ High (wires, international)
Programmable treasury	✅ Smart contracts, multi-sig	❌ Limited (approval workflows manual)
Real-time accounting	✅ Automated	❌ Manual reconciliation

vs. Payment Gateways (Stripe, Square)¶

Feature	COOWN	Payment Gateways
Crypto payments	✅ Native	⚠️ Limited (Stripe Crypto deprecated)
Transaction fees	✅ 0% (sponsored)	❌ 2.9% + $0.30 (Stripe)
Settlement speed	✅ Instant	❌ 2-7 days
Treasury management	✅ Built-in	❌ None (need separate tool)
Financial reporting	✅ Real-time	❌ Manual (export to accounting)

Unique Value: Holistic Approach¶

COOWN's Superpower: While competitors excel in ONE niche (exchange, banking, payments), COOWN covers ALL financial needs of SMEs in one platform.

Customer Impact: - Replace 5-8 tools with COOWN - Reduce transaction costs by 80% - Eliminate manual reconciliation - Gain real-time financial visibility - Reduce cyber security risk (fewer attack surfaces)

Geographic Focus¶

Primary Markets (2026-2027)¶

Northern Europe: - Netherlands, Belgium, Luxembourg (Benelux) - Ireland - Scandinavia (Denmark, Sweden, Finland, Norway - where EUR is used or accepted) - Baltic states (Estonia, Latvia, Lithuania)

Secondary Markets: - Germany, Austria (DACH region) - Southern Europe (Malta, Cyprus) - France, Spain, Italy (longer-term)

Excluded/Restricted Markets¶

Not served (initially): - United States: Regulatory complexity (SEC, FinCEN) - China Mainland: Crypto ban - Russia: Sanctions - Crypto-ban countries: Countries with explicit crypto prohibitions

Why Eurozone focus? - Monerium operates in EEA (European Economic Area) - SEPA Instant enables fast Euro transfers - PolyReg (Swiss SRO) provides regulatory coverage for Europe

Current Status (February 2026)¶

Product Stage¶

COOWN 1.0: MVP launched, then downgraded to prototype
COOWN 2.0: In development (Monerium integration, full fiat support)
Launch target: Q1-Q2 2026

User Base¶

200 early adopters (mainly test users)
45 test groups (companies testing platform)

Key Milestones Ahead¶

Q1 2026: Complete Monerium integration (IBAN, EURe, SEPA)
Q1-Q2 2026: Launch COOWN 2.0 to production
2026: Fundraising ($50-350k)
2027: Customer onboarding at scale, ICO (COOWN token)
2028: Profitability, potential DAO governance, ISO 27001 certification
2029-2030: Exit strategy (acquisition or IPO)

Roadmap Highlights¶

2026: Foundation¶

✅ Monerium integration (fiat on/off-ramp)
✅ PolyReg membership (VASP license)
✅ COOWN 2.0 production launch
🎯 Fundraising ($50-350k)

2027: Growth¶

🎯 Customer acquisition (SMEs in Eurozone)
🎯 Additional stablecoin integrations (Keeta if viable)
🎯 ICO (COOWN token launch)
🎯 Regional operator expansion (licensing in other jurisdictions)

2028: Scale¶

🎯 Profitability
🎯 ISO 27001 certification (information security)
🎯 Consider DAO governance model
🎯 Yield-bearing token integrations (Ondo, Circle)

2029-2030: Maturity¶

🎯 Company shares tokenization feature (for customer fundraising)
🎯 Exit strategy execution
🎯 Potential acquisition by larger FinTech or banking entity

Team & Organization¶

Core Team¶

Founder & CEO: - Simon (located in Switzerland) - Vision, strategy, regulatory, fundraising

Development Team: - CTO + 2 developers (Pakistan-based) - ICP, Rust, Motoko, ReactJS expertise

Design: - 1 designer (Estonia-based) - UI/UX, brand, product design

Marketing: - Currently vacant (high priority hire)

Legal Entity¶

Managed-Trust.com LTD - Incorporated: Pfäffikon ZH, Switzerland - Role: IP holder, sponsor, PolyReg applicant - Purpose: VASP license holder, COOWN operator in Switzerland/Europe

COOWN init s.r.l - Incorporated: Costa Rica - Role: Sandbox operations (non-critical)

Regulatory & Compliance¶

Swiss VASP Status¶

PolyReg Membership (In Progress): - Application for Self-Regulatory Organization (SRO) membership - Equivalent to VASP (Virtual Assets Service Provider) license in Switzerland - Enables legal provision of crypto asset services - Timeline: Application Q2 2026, approval target Q2-Q3 2026

Compliance Framework: - Hybrid KYC/KYB: COOWN for crypto-only (<$1000/day), Monerium for fiat-enabled users - Transaction monitoring (manual + automated alerts for high-value txns) - Customer risk categorization (low/medium/high) - AML controls: Multi-sig spending limits, shareholder identification - SAR filing capability (via PolyReg once member)

Future Regulatory Goals¶

2028: ISO 27001 certification (information security management)
2027+: Additional VASP licenses via regional operators (other EU jurisdictions)
Future: Potential banking partnerships or licenses (via Keeta or others)

Funding & Investors¶

Current Status: Bootstrapped + grants - Developer grants (Internet Computer ecosystem) - Hackathon prize money - Founder investment

2026 Target: $50-350k seed/angel round - Use of funds: Marketing, compliance, Monerium integration completion - Investor profile: Crypto-native VCs, Swiss fintech angels, ICP ecosystem funds

2027: ICO (Initial Coin Offering) - COOWN token launch - Utility token for staking, governance (future DAO), platform benefits - Regulatory compliance: FINMA ICO guidelines

Partnerships & Ecosystem¶

Key Partners:

Partner	Type	Contribution
Monerium	E-money institution	IBAN, EURe, KYC/KYB, fiat on/off-ramp
GnosisPay	Payment provider	VISA debit cards
Internet Computer (DFINITY)	Blockchain infrastructure	Decentralized hosting, compute, storage
Circle	Stablecoin issuer	USDC liquidity
Frankencoin	Swiss stablecoin	CHF exposure (zCHF)
GLDT	Gold-backed token	Tokenized gold
Keeta (future)	Cross-chain network	Performance, potential bank partnership
Uniswap (future)	DEX	Token swap functionality

Strategic Goals: - Banking partnerships (fiat liquidity, regulatory coverage) - Accounting software integrations (Xero, QuickBooks, local EU tools) - E-commerce platform plugins (Shopify, WooCommerce) - Regional operators (licensing, local market expertise)

Documentation & Resources¶

Public: - Website: https://coown.finance (currently updating for COOWN 2.0) - Whitepaper: https://coown.notion.site/COOWN-Whitepaper-2a590a104e0546cdb0fce464e0953216 (partially outdated, update planned) - Pitch Deck: Google Slides - Social Media: https://coown.notion.site/ (links to profiles)

Internal: - Notion workspace (product roadmap, internal docs) - GitHub repositories (codebase) - Figma (UI/UX designs)

Contact & Inquiries¶

For partnerships, investment, or business inquiries:
Contact: Simon (CEO), Managed-Trust.com LTD
Location: Pfäffikon ZH, Switzerland

For regulatory and compliance inquiries:
This document serves as COOWN's official product description for PolyReg membership application and VASP supervision purposes.

Document Control: - Version: 2.0 (aligned with COOWN 2.0 launch) - Approved by: Simon (CEO) - Prepared by: Agent Maya-COOWN - Date: 2026-02-09 - Next Review: Quarterly or upon major product changes