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: CN¥1,000 gives the Dreamer CN¥850. 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 therapy dream with a goal of CN¥27,000. Backers fund the whole goal, but each milestone's money stays held until you post the proof and Backers release it.
Milestone 1
CN¥4,050 · 15%
Arrange the opening sessions
Post a redacted fee schedule and receipts for the opening appointments, hiding names, contact details and session content.
Milestone 2
CN¥8,100 · 30%
Fund the first session block
Share redacted payment receipts and a simple count of attended sessions for the first full block of funded appointments.
Milestone 3
CN¥8,100 · 30%
Continue the support block
Upload receipts for the next session block and related access costs, with all personal and therapeutic details removed.
Milestone 4
CN¥6,750 · 25%
Account for final sessions
Post payment records for the remaining funded appointments and a redacted summary comparing session costs with the budget.
Risks to plan for
- R1
Provider fit may change
You may need to change provider after initial appointments. Keep the opening stage small and explain how different session fees would alter the number of appointments funded later.
- R2
Missed sessions affect spending
Cancelled or missed appointments may still create costs under a provider’s terms. Check those terms before budgeting and explain how any charged cancellation would appear in the expense proof.
- R3
Privacy can feel pressured
Public funding can create pressure to share personal experiences. Set proof boundaries before publishing and use redacted receipts instead of session notes or descriptions of therapeutic progress.
Questions and answers
Can I change therapists during the funded period?
If you change providers, update the remaining session budget and explain any fee or scheduling differences. Keep clinical reasons private and provide redacted receipts so Backers can understand how the revised block uses the funding.
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.
Do Backers need to know what I discuss in therapy?
Explain the session count, fee basis and funding period rather than the content of your appointments. Redacted receipts can show the funded service without exposing session notes, personal history or your reasons for seeking support.
Budget example
A typical cost split for a therapy dream in Xi'an, shown in CNY. Backers are charged the equivalent in US dollars.
Example goal
CN¥27,000
- Therapy session feesCN¥21,600 · 80%
- Private access essentialsCN¥1,350 · 5%
- Travel and connection costsCN¥2,700 · 10%
- Initial consultation costsCN¥1,350 · 5%
What you receive
- Backers give
- CN¥27,000
- Platform fee (15%)
- −CN¥4,050
- You receive
- CN¥22,950
Ready when you are
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