How Backers are protected
14-day review per milestone
When proof is posted, each Backer has 14 days to release their share or ask for more. Money not released in time goes back to the Backer.
15% fee, deducted — never added
Backers pay exactly what they choose. The 15% fee comes out of each backing: €100 gives the Dreamer €85. The fee is kept if money is returned.
Gifts, not shares
Backings are gifts. No shares, equity, interest or repayment, and Dreamers keep full ownership. Nothing on cohero is an investment or a loan.
- 01
Before you back
Read the story and the milestones. Check that the amounts add up and that each step has something concrete to prove. If anything is unclear, ask in chat first.
- 02
While the dream runs
Your backing is split across the milestones. When proof is posted you are notified and can release your share or ask for more. You can back anonymously.
- 03
If something goes wrong
If you do not release a milestone in time, the money still held for it and later steps comes back to you, minus the fee. You can report a dream or block a user at any time.
Example milestone plan
An example plan for a cycling race dream with a goal of €8,000. Backers fund the whole goal, but each milestone's money stays held until you post the proof and Backers release it.
Milestone 1
€1,600 · 20%
Confirm event and setup
Post entry confirmation, a bike condition checklist and a course-specific preparation outline with private details hidden.
Milestone 2
€2,800 · 35%
Service and equip bike
Share workshop invoices, replacement-part receipts and photos of the completed setup, with frame serial numbers concealed.
Milestone 3
€2,000 · 25%
Test race preparation
Post dated training ride summaries, a loaded transport check and travel confirmations with personal booking details removed.
Milestone 4
€1,600 · 20%
Report race participation
Share start-area evidence, a race activity file or published result where available, plus a report on the bike’s performance.
Risks to plan for
- R1
Mechanical problems recur
A repaired bike may still develop faults during longer rides. Put a race-length equipment test after servicing and include essential spares in the parts budget before travel is finalised.
- R2
Bike transport damage
Transport can damage a race-ready setup or delay its arrival. Budget for suitable packing and show a transport plan during preparation, leaving time to inspect the bike before the event.
- R3
Course demands differ
The course may demand gearing or handling skills not covered by routine rides. Review the route early and link training proof and final component choices to the actual event conditions.
Questions and answers
Can I see how my money was used?
Yes. Each milestone shows the Dreamer's proof, how much is held and how much is released. You only release money for milestones you have reviewed yourself.
Can I include a replacement bike in the goal?
Explain why the existing bike does not suit the event and show how the proposed replacement fits the race plan. Keep the equipment scope explicit, with purchase records and a tested setup before travel and participation proof.
What if I start the race but do not finish?
Post a factual race report with participation evidence and explain why the ride ended. Set the final milestone around documented event participation rather than a guaranteed finish, placing completed preparation in earlier stages.
Budget example
A typical cost split for a cycling race dream in Paris, shown in EUR. Backers are charged the equivalent in US dollars.
Example goal
€8,000
- Bicycle parts and servicing€3,200 · 40%
- Race travel and bike transport€2,400 · 30%
- Training and preparation support€1,600 · 20%
- Entry and race consumables€800 · 10%
What you receive
- Backers give
- €8,000
- Platform fee (15%)
- −€1,200
- You receive
- €6,800
Ready when you are
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