£7 Billion in Wasted Rewards
UK consumers lose £7 billion annually in unclaimed loyalty points while struggling to save for property deposits. Your rewards should build your future, not expire worthlessly.
of income goes to rent with zero points earned
of young adults can't afford a home deposit in their desired area
average house price to income ratio in the UK
average deposit needed while rewards go unused
Three Paths to Property Ownership
Use your debit card points to invest in property through our three innovative products. Each designed for different stages of your wealth-building journey.
MicroEstate
Start with fractional property investment. Perfect for beginners building their first property portfolio with points from everyday spending.
EstateLink
Co-invest with friends and family. Pool your points together to buy properties where one person lives while others invest.
EquityLadder
Full home ownership without traditional mortgages. Use accumulated points for zero-interest, zero-deposit property purchase.
From Spending to Owning
Your journey from renter to property owner starts with your debit card. Every purchase builds your property portfolio automatically.
Spend & Earn
Use your Opencube debit card for rent (1x points) and everyday purchases (2x points). 1,000 points = £1.
Auto-Invest
Points automatically invest in your chosen product. Start with MicroEstate, upgrade to EstateLink or EquityLadder.
Build Wealth
Watch your property portfolio grow. Earn returns, reinvest profits, and build towards full home ownership.
Own Your Home
Graduate to EquityLadder for full ownership. Zero interest, zero deposit - just your accumulated wealth.
Why Choose Opencube
The only debit card that turns your spending into property ownership. Every purchase is an investment in your future.
Auto-Investment
Never lose rewards again. Points automatically invest in property, building wealth while you spend.
Real Returns
Earn 6-9% annually on property investments, far exceeding traditional savings accounts or expired points.
Ethical Investing
Your money never funds gambling, arms, tobacco, or exploitative industries. Invest with your values.
Path to Ownership
Clear progression from fractional investment to full home ownership. Your spending today funds your home tomorrow.
Frequently Asked Questions
Everything you need to know about turning your spending into property investment.
Ready to Start Your Investment Journey?
Join thousands of investors who are already benefiting from fractional property ownership.
Secure & Transparent
Blockchain-backed security ensures your investments are safe and transparent
Instant Access
Start investing in minutes with our streamlined onboarding process
Growing Returns
Average annual returns of 8-12% on property investments