Shared ownership
Shared ownership: your share, after the loan.
Every total at your share: co-owned flats, companies and structures.
Built and tested; not yet seen on real data.
Features
One register
Property, funds, companies, art, vehicles, bank accounts and debt in one place.
Your share of each
Every holding keeps its own currency and is shown at the share you own.
Sources you can check
Open a figure to see how it was made and where it came from.
How it works
- 01
Record the owners
An asset has owners with percentages that total exactly one hundred. A co-owner can be a registered user, or just a name and an email address until they sign up.
- 02
Count your share
Every total is pro rata. A property you own half of counts as half its value, and its loan, rents and payment schedule are scaled the same way.
- 03
Approve changes together
Editing an asset that has another registered owner asks that owner to approve. A request nobody answers is applied after seven days, and an owner who has not registered never blocks an edit.
- 04
See what sits behind a structure
Trusts, foundations, holding companies and SPVs appear as a tree and a map of what each one holds. What is held through structures plus what is held personally equals net worth.
A worked example
Invented figures in US dollars. Not live, not a real account.
| Whole asset 100% | Your share 50% | Other owner 50% | |
|---|---|---|---|
| Property value | 2,000,000 | 1,000,000 | 1,000,000 |
| Loan outstanding | −1,200,000 | −600,000 | −600,000 |
| Net equity | 800,000 | 400,000 | 400,000 |
The same flat, seen through a holding company
| Marina HoldingsHeld through a holding company: your share of the flat, after its loan | 400,000 |
|---|---|
| Held personally: a cash account | 150,000 |
| Net worth: held through structures plus held personally | 550,000 |
Worked out with the same functions the dashboard uses. The names and every figure are invented.
What it does not do yet
- 01
A shared structure cannot be edited yet.
A holding company that has several owners is shown, but not edited in this version, because that would bypass the approval step.
- 02
No look-through into funds.
A private-equity fund is one line; the companies it holds are not listed.
- 03
No tax or legal treatment.
A trust or a foundation is recorded as a label. Opes does not say who owns what in law.
Verifiable
What is in place, stated plainly.
- 01Signing in with a password needs a second step: an authenticator app or a passkey.
- 02Each person's records are separated from everyone else's at database level.
- 03Shares, advisors and the AI connector are read-only.
- 04Each headline figure says where it comes from: calculated, a price feed, a document, or typed by you.
- 05No independent audit yet. See what is and is not in place.
A common question
Does it connect to my bank?
Not yet. You upload statements or type figures, and confirm a preview.
Who can see my data?
You, and only the people you share with, read-only. Opes is not end-to-end encrypted, so Opes can read stored data to total it and read statements. Opes does not sell your data.
Is there a free plan?
Yes. Free covers accounts, holdings, property and goals, with no card. Paid levels open later.