Coinluck is a financial technology company focused on empowering individuals through opening up access to affordable and smart money services via the internet and mobile devices. They aim to create innovative and practical financial products for all by focusing on unmet demand and providing timely access to sound services. Coinluck operates on a peer-to-peer system rather than a centralized model, allowing users to be their own bank and directly connect to their financial networks in a more flexible and efficient manner.