Public draft, v 1.0, 21. April 2026

Table of Content

1. Executive Summary

• 2. Introduction
• 3. Values, Features and Technology
• 4. Organizational Structure and Partnerships
• 5. Risk, Quality, and Requirements Management
• 6. Market Entry and Compliance Strategy
• 7. Fees and Charges
• 8 Tokenomics

9. Road Map

10. Contact

1. Executive Summary

COOWN's crypto asset services help teams manage digital assets efficiently, securely, and in full compliance. Designed in Switzerland, developed by an international team, and rolled out by regional operators the platform enhances profitability and operational efficiency with precise control over financial transactions.

Built For You: Applications and Core Features

• Group-Centric Wallets: Ideal for private associations, corporations, and public institutions, enabling team-based asset management.
• Customizable Spending Power: Control access and spending limits to secure financial activities.
• Approved Transactions: High-value transactions require approvals for added security.
• Supported Crypto Assets: Transact with Bitcoin, stable coins (e.g. USDC, EURC), gold-backed securities, and more.
• KYC & AML: We identify individuals and entities ensuring that data protection and AML requirements are implemented in a harmonized and efficient manner, partially relaying of third party services to ensure interoperability.
• Privacy & Data Ownership: Users retain control over their data with enhanced network reliability.
• Corporate Governance: Maintain shareholder records and facilitate voting, including for the board of directors.
• Custom Digital Assets: Create and trade value tokens within the group or publicly.
• Automated Operations: Simplify transactions with split payments, recurring payments, and automated dividends.

COOWN combines e-banking, social media, enterprise resource planning, and stock exchange functionalities in one platform, with tailored views and controls to suit each role.

Built as a decentralized application (dApp) fully on chain COOWN is organized as a Decentralized Autonomous Organization (DAO), based on a Swiss foundation, and distributed by regional operators. The consortium of business partners adopts industry standards and is fully committed to compliance with national regulations.

Get your free personal account and explore the potential of COOWN today.

2. Introduction

From ancient times to modern societies, managing wealth has always required balancing individual rights with collective goals. However, today’s financial tools — like bank accounts, credit cards, crypto wallets, and accounting software — are not practical for collective use, especially when they need to be combined, as is necessary for most businesses. Integrating information across these systems demands significant resources, including the time of various co-workers, considerable computing power, and software licenses that often limit user access. Working with these common applications complicates decision-making for upper management and economic beneficiaries, and it makes ensuring user privacy difficult. This is especially challenging for companies with shareholders, where tracking funds, managing multiple currencies, and obtaining approvals can become cumbersome and costly.

Vision Statement:

COOWN empowers families, businesses, and public entities to manage digital assets together, respecting individual rights and achieving shared goals. Our tools help organizations manage assets efficiently and effectively.

Mission Statement:

COOWN provides a secure and user-friendly platform for digital asset management. Accounts are provided to individuals, legal entities, and their business units. Spending power is regulated based on transparent decision-making. Compliance is ensured locally.

Targeted User Groups

COOWN's platform addresses the needs of various industries and scenarios anywhere on the globe.

Families Managing their Assets

• COOWN Wallets offers an ideal solution for families managing shared assets, such as properties or investment portfolios.
• The platform provides a secure and transparent method for handling transactions and distributions, crucial for family financial management.

Business Processing their Transactions

• Businesses gain significantly from COOWN Wallet capabilities as financial resources can be allocated to units and managers however needed.
• Multi-signatures, and automated splitting of transactions ensure compliance with corporate governance policies.

Corporations

• Corporations can manage their shareholder books and implement shareholder voting to limit the spending power of executive mangers and IT administrators.
• Corporations can digitalizing company shares, and make them tradable, also for raising capital and for paying out automatically revenue based dividends.
• The platform can be used to mint custom NFT series as securities to be traded within groups or regional marketplaces.

Public Institutions

• Public institutions can use COOWN Wallets to manage fees, charges, and grants, including transactions in Bitcoin or stable coins enhancing payment modernization.