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 language study dream with a goal of €6,200. Backers fund the whole goal, but each milestone's money stays held until you post the proof and Backers release it.
Milestone 1
€1,860 · 30%
Book the opening block
Post the school booking receipt, the first course payment and a dated plan for accommodation during the opening block.
Milestone 2
€1,860 · 30%
Attend the core block
Share the next course invoice, an attendance summary and an original writing or speaking sample from this class block.
Milestone 3
€1,550 · 25%
Extend classroom practice
Upload receipts for the next teaching block and accommodation, plus a short learning update based on completed classwork.
Milestone 4
€930 · 15%
Finish and review learning
Post remaining course receipts, a final attendance record and a self-recorded language sample comparing your learning goals.
Risks to plan for
- R1
Class level needs adjustment
An initial placement may put you in a class that does not fit your skills. Ask about level changes before booking and allow the opening milestone to document the confirmed class.
- R2
Accommodation costs drift
Accommodation dates may not line up with teaching weeks. Budget for the actual stay, not only classroom days, and match housing receipts to the learning blocks they support.
- R3
Fluency is hard to define
A promise of fluency can make progress difficult to assess fairly. Use attendance and comparable language samples as proof, with specific learning aims for each teaching block.
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 accommodation be part of a language school goal?
Yes, if it is needed to attend the course. State the length of stay and separate accommodation from tuition so Backers can follow the budget. Share payment records with addresses and other personal information hidden.
What if my language level improves more slowly than expected?
Show the lessons attended and the work completed rather than claiming a guaranteed level. Use similar speaking or writing tasks at different stages, and explain any changes to your learning plan in the milestone update.
Budget example
A typical cost split for a language study dream in Lisbon, shown in EUR. Backers are charged the equivalent in US dollars.
Example goal
€6,200
- Language course tuition€3,100 · 50%
- Books and practice materials€620 · 10%
- Local transport€620 · 10%
- Accommodation and daily essentials€1,860 · 30%
What you receive
- Backers give
- €6,200
- Platform fee (15%)
- −€930
- You receive
- €5,270
Ready when you are
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