- 01
Gifts, not investments
A backing is a voluntary gift towards a goal. Nothing is sold, no ownership changes hands and no return is promised. Backers support a person; you keep control.
- 02
Why milestones still matter
Without contracts, Backers rely on transparency. You post proof for each milestone so they can review your progress and choose to support your dream directly with confidence.
- 03
What you owe Backers
Honesty: a true story, proof for each milestone and updates in chat. Not profits or repayment. Because Backers can pay milestone by milestone, they only send further support as you prove progress.
How Backers are protected
14-day review per milestone
When proof is posted, each Backer has 14 days to review the proof, ask for more info, and decide whether to keep supporting your next milestone.
0% commission — direct gifts, nothing taken
Backers pay exactly what they choose directly through your payment methods. cohero takes 0% commission on backings, so you keep what is sent. Any refunds or disputes are handled directly between you, the Backer and your payment provider.
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.
Example milestone plan
An example plan for a fertility treatment dream with a goal of CN¥120,000. Backers pay you directly, funding the goal all at once or milestone by milestone as you post proof for each step.
Milestone 1
CN¥18,000 · 15%
Confirm the clinic plan
Post a redacted clinic estimate, consultation receipt and cost outline defining the treatment period covered by the goal.
Milestone 2
CN¥48,000 · 40%
Fund the main procedure
Share clinic payment receipts and a redacted invoice for the main procedure stage, without publishing reproductive records.
Milestone 3
CN¥36,000 · 30%
Cover medicines and monitoring
Upload receipts for prescribed medicines, monitoring visits and related clinic charges, with identifying details removed.
Milestone 4
CN¥18,000 · 15%
Close the funded cycle
Post a redacted expense reconciliation and receipts for final appointments or travel within the funded treatment period.
Budget example
A typical cost split for a fertility treatment dream in Shanghai, shown in CNY. Backers pay you directly using your accepted payment methods.
Example goal
CN¥120,000
- Clinic and procedure feesCN¥66,000 · 55%
- Prescribed treatment medicinesCN¥30,000 · 25%
- Monitoring and laboratory costsCN¥12,000 · 10%
- Clinic travel and supportCN¥12,000 · 10%
What you receive
- Backers give
- CN¥120,000
- 0% platform commission
- −CN¥18,000
- You receive
- CN¥102,000
Risks to plan for
- R1
Medicine costs may vary
Prescribed medicines and monitoring needs may differ from the first estimate. Separate these costs from procedure fees and update the relevant milestone with redacted provider figures.
- R2
Cycles may be interrupted
A planned cycle may be delayed or stopped, leaving some costs already incurred. Define proof around paid services and explain how unused planned expenses would change the remaining stages.
- R3
Outcomes remain uncertain
Treatment does not guarantee pregnancy or a birth. Frame milestones around documented appointments and procedures, and avoid making a personal medical outcome the trigger for support.
Questions and answers
Should a pregnancy announcement be the final milestone?
Use completion of the funded treatment period and documented expenses instead. Pregnancy is not a guaranteed result, and you should not need to disclose an outcome for Backers to review clinic receipts and other spending proof.
Can my goal cover more than one treatment cycle?
Define exactly which cycles or treatment period the budget includes, using clinic estimates rather than an open-ended promise. Give each stage clear expense boundaries and explain that additional treatment would need a revised plan.
Do I have to pay Backers back?
No. Backers send gifts directly to your own payment account. cohero never holds funds or reverses payments; any dispute or refund request is handled between you and the Backer through your payment provider.
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