Copay
Copay is a Brisbane-based AI-powered platform enabling fractional deeded co-ownership of premium lifestyle assets in Australia. It serves high-income professionals seeking shared ownership of holiday homes, luxury vehicles, motorhomes, boats, and jetskis via vendor subscriptions and transaction fees.
- Company typePrivate
- Founded2024
- HeadquartersBrisbane, Australia
- Headcount1–10
- GTM typeB2B and B2C
- OfferingSoftware
What Copay does
Copay is a Brisbane-based, AI-powered SaaS and marketplace platform that enables fractional co-ownership of premium lifestyle assets in Australia. The company targets high-income professionals (households earning $200K-$500K+) who want shared access to assets they cannot justify sole-owning, spanning holiday homes, luxury cars, motorhomes, boats and yachts, and jetskis. Rather than a timeshare, the structure is deeded equity: co-owners hold real title shares via solicitor-drafted agreements and access professional management services through the platform.
The underlying technology consolidates the co-ownership workflow into a single AI-assisted stack covering matchmaking between co-owners, contract generation, payment orchestration, and scheduling. The platform supports both consumer-facing share purchases, priced from approximately $6K up to $1M+ per share, and a B2B vendor channel for real estate agencies, dealers, and lenders who source inventory and finance demand. As of the most recent profile, the marketplace lists 15+ assets and the company operates across Queensland, New South Wales, Victoria, Western Australia, South Australia, and Tasmania.
The business model is dual-sided. On the consumer side, Copay captures transaction-linked economics on share purchases. On the B2B side, it sells tiered vendor subscriptions (Basic, Pro, Enterprise) and earns transaction and premium-service fees, layering recurring SaaS revenue on top of marketplace activity. No funding rounds, revenue figures, headcount data, patents, or awards have been disclosed, which constrains visibility into unit economics and scale despite clear evidence of active multi-state, multi-category operations.
Copay firmographics
Firmographics- Name
- Copay
- Legal name
- Elate Holdings Pty Ltd
- Website
- https://copay.au
- Company type
- Private
- Founded year
- 2024
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- Copay is a Brisbane-based AI-powered platform enabling fractional deeded co-ownership of premium lifestyle assets in Australia. It serves high-income professionals seeking shared ownership of holiday homes, luxury vehicles, motorhomes, boats, and jetskis via vendor subscriptions and transaction fees.
- Ownership category
- akta.pro rank
Copay industry classification
Industry- Product category
- Fractional Ownership Platform
- NAICS
- Traveler Accommodation (7211), Consumer Goods Rental (5322)
- SIC
- Services-Auto Rental & Leasing (No Drivers) (7510)
- akta.pro primary industry
- Resort & Branded Residence Vacation Rental Management (BPAJAIAE)
Keywords
Where Copay is headquartered
LocationHeadquarters
- HQ city
- Brisbane
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
Copay business model
Business model- GTM type
- B2B and B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Operations, Marketing or Sales, Personnel, Infrastructure
Revenue model
- Vendor Subscription Plans: Tiered subscription pricing for businesses (real estate agencies, automotive dealers, luxury goods vendors) based on usage volume. Three tiers: Basic Plan, Pro Plan, and Enterprise. Provides access to co-ownership infrastructure, automated contracts, payment processing, and asset management tools.
- Transaction Fees: Percentage-based commissions on each co-ownership sale and booking transaction processed through the platform. Includes sale commissions, booking fees, and processing fees from asset co-ownership transactions.
- Premium Services: Upsell opportunities for enhanced features and services including insurance products, financing arrangements, legal verification, and asset management services facilitated through the platform.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Basic Plan for small-scale asset vendors |
| Subscription | Monthly | Pro Plan for established asset vendors |
| Subscription | Monthly | Enterprise Plan for large-scale operators |
| One time/ perpetual license | One time/ perpetual license | Holiday Home Co-Ownership Shares |
| One time/ perpetual license | One time/ perpetual license | Luxury Vehicle Co-Ownership Shares |
| One time/ perpetual license | One time/ perpetual license | Motorhome Co-Ownership Shares |
| One time/ perpetual license | One time/ perpetual license | Jetski Co-Ownership Shares |
Go-to-market motion2 records
Distribution channels5 records
Marketing channels6 records
Copay product offering
Product offeringCore offering
Copay operates an AI-powered SaaS platform that enables fractional deeded co-ownership of premium lifestyle assets (holiday homes, luxury vehicles, motorhomes, boats, and jetskis) for Australian consumers. The platform automates co-owner matchmaking, generates solicitor-drafted legal co-ownership agreements, manages shared financial expenses and payments, and coordinates usage scheduling, while providing professional end-to-end asset management including bookings, maintenance, cleaning, insurance, and compliance.
Product overview
Copay is a Brisbane-founded AI-powered SaaS platform for fractional co-ownership of premium lifestyle assets. The platform enables Australians to co-own holiday homes, luxury vehicles, motorhomes, boats, and jetskis through deeded equity shares. Key products include the core Holiday Homes portfolio (properties in Gold Coast, Byron Bay, Whitsundays, Brisbane, Sunshine Coast), Luxury Cars (Lamborghini, Porsche, Aston Martin models), Motorhomes, Boats & Yachts, and Jetskis. The platform provides integrated services including Co-Owner Matchmaking, Automated Legal Contracts, Transparent Financial Management, Smart Scheduling, Professional Property Management Oversight, and Dispute Management Tools, all accessible through the Owner's Portal.
Differentiator
Problem solved
Functional benefit
Products and services
- Holiday Homes Co-Ownership
Quantifiable outcome
- Up to 80% cheaper than full ownership
- +1 more outcomes
Companies that use Copay
Customer profileNamed customers3 records
Segments3 records
Ideal customer profiles3 records
Copay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature5 records
Copay partnerships and signals
Strategic signalPartnerships
Two partnerships are on record, tiered core and supporting.
- Licensed Real Estate AgenciescoreCopay partners with licensed real estate agencies to provide information on exclusive luxury holiday homes and investment properties. Agencies share customer inquiries with Copay to facilitate the co-ownership process and provide property curation and early access to listings.
- Service Providers (IT, Data Hosting, Payment Processing, Legal, Property Management, Marketing)supportingThird-party vendors providing essential services including IT support, data hosting, payment processing, legal services, property management, and marketing. These providers are obligated to protect customer information and use it only for disclosed purposes.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Copay competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Copay financial estimates
Financial estimateRevenue estimate
Valuation estimate
Copay leadership team
Management profileNumber of profiles
Profiles2 records
Copay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Copay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Copay
What does Copay do?
Copay operates an AI-powered SaaS platform that enables fractional deeded co-ownership of premium lifestyle assets (holiday homes, luxury vehicles, motorhomes, boats, and jetskis) for Australian consumers. The platform automates co-owner matchmaking, generates solicitor-drafted legal co-ownership agreements, manages shared financial expenses and payments, and coordinates usage scheduling, while providing professional end-to-end asset management including bookings, maintenance, cleaning, insurance, and compliance.
Is Copay a public or private company?
Copay is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Copay founded?
Copay was founded in 2024. It employs 1 to 10 people.
Where is Copay based?
Copay is headquartered in Brisbane, Australia, in the Oceania region.
How does Copay make money?
Three revenue lines are on record. Vendor Subscription Plans are the primary driver. The others are transaction Fees and premium Services.
Does Copay have an API?
No public API is recorded for Copay.
What industry is Copay in?
Copay's product category is Fractional Ownership Platform. Its primary akta.pro industry code is BPAJAIAE, Resort & Branded Residence Vacation Rental Management. Its NAICS code is 7211 and its SIC code is 7510.