Now accepting early access signups

Your everyday spending, building your home

The debit card that turns every purchase into property investment. Fractional ownership, powered by blockchain.

9:41

Welcome back

Sarah

SJ

Property portfolio

£2,84712.4%
Card
Invest
Property

Recent

Tesco

-£42.80

+42 pts

TfL Oyster

-£8.50

+8 pts

Rent

-£1,200

+1,200 pts

The Problem

Homeownership is broken. Your spending could fix it.

Every year, billions in loyalty rewards expire unused while an entire generation is priced out of property. We believe the money you already spend should be building your future -- not someone else's.

67%of young adults cannot afford a deposit
8.5xaverage house price to income ratio
35%of income spent on rent with nothing to show

Products

Three paths to property ownership

MicroEstate

Start small, grow steadily.

Fractional property investment from as little as your daily coffee. Points auto-invest into diversified UK property.

Fractional ownershipAuto-investSell anytime

Auto-invested

£1,4208.2%

Manchester Mixed-Use

0.3% ownership

+8.2%

EstateLink

Invest together, own together.

Pool resources with friends or family to co-own property. Everyone builds equity. Legal protection built in.

Co-investmentIncome sharingLegal protection

Co-investment group

The Flat Fund

JT
SJ
ER
MK
4 members

Group equity

£12,400

Your share

£3,100

EquityLadder

The path to your front door.

Graduate from fractional investing to full home ownership. No deposit, no traditional mortgage.

Zero depositNo mortgageGradual ownership

EquityLadder

Your home journey

Ownership

34%

Equity

£96.9k

Monthly

£850

Target

2-bed flat

ETA

2029

How It Works

From spending to owning

Today

Transactions

Pret A Manger

Food & Drink -£4.50

+4 pts

TfL Contactless

Transport -£2.80

+2 pts

Sainsbury’s

Groceries -£28.40

+28 pts

Netflix

Entertainment -£10.99

+21 pts

Monthly Rent

Housing -£1,200

+1,200 pts

Why Opencube

Built for the way you already live

Effortless investing

Points auto-invest in property. No accounts to manage, no decisions to make. Wealth-building on autopilot.

Real asset returns

Backed by UK property. Your portfolio grows through rental income and property value appreciation.

Blockchain secured

Every transaction is transparent, immutable, and verifiable. Your ownership is cryptographically guaranteed.

Ethical by design

No gambling, arms, tobacco, or exploitative industries. Your money only funds what you can be proud of.

From the Waitlist

Why people are excited

"I spend on rent every month with nothing to show for it. The idea that those payments could actually build toward owning property -- I signed up the moment I heard about it."

Sarah J.

Marketing Executive, London

"My flatmates and I have been talking about pooling money to invest together for ages. EstateLink is exactly what we have been waiting for. Cannot wait to get access."

James T.

Software Developer, Manchester

"Every fintech app wants me to trade crypto or stocks. This is the first one that actually connects my everyday spending to something real -- property. That just makes sense."

Emma R.

Teacher, Birmingham

FAQ

Questions & answers

Ready to make your spending count?

Join our early access list. Be the first to turn everyday purchases into property wealth when we launch.

Get early access

Be first in line when we launch.