http://www.ign.com/articles/2013/08/09/this-is-how-xbox-ones-game-and-gold-sharing-works
Anyone can access digital library via your Xbox One and use their Gamertag to play it. The license is tied to the hardware rather than the original purchaser alone. That said, you can also play and share games on other Xbox One consoles, and any purchases made on a friend's Xbox will be available on your primary console as well. Similar to DVR functionality and Skype, you will need Xbox Live Gold to share your digital games.
here is another site talking about the same thing but gives alittle more information http://news.xbox.com/2013/08/xbox-one-digital-games-and-live-gold










