- 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. Money is held per milestone and released only when you prove progress, so they can give with confidence.
- 03
What you owe Backers
Honesty: a true story, proof for each milestone and updates in chat. Not profits or repayment. If you cannot finish, unreleased money goes back to Backers.
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: ₹10,000 gives the Dreamer ₹8,500. 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.
Example milestone plan
An example plan for a medical treatment dream with a goal of ₹2,800,000. Backers fund the whole goal, but each milestone's money stays held until you post the proof and Backers release it.
Milestone 1
₹280,000 · 10%
Document the care budget
Post a provider estimate and receipts for initial appointments, with names, contact details and clinical information hidden.
Milestone 2
₹1,260,000 · 45%
Cover the main treatment
Share redacted provider invoices and payment receipts for the main treatment stage, showing the funded expense categories.
Milestone 3
₹840,000 · 30%
Fund continuing care
Upload receipts for planned follow-up care, related supplies and necessary travel, with personal and medical details hidden.
Milestone 4
₹420,000 · 15%
Reconcile remaining expenses
Post a redacted final expense summary and receipts for the remaining follow-up visits, supplies or treatment-related journeys.
Budget example
A typical cost split for a medical treatment dream in Pune, shown in INR. Backers are charged the equivalent in US dollars.
Example goal
₹2,800,000
- Provider and treatment fees₹1,680,000 · 60%
- Prescribed medicines and supplies₹420,000 · 15%
- Care travel and accommodation₹420,000 · 15%
- Follow-up and practical support₹280,000 · 10%
What you receive
- Backers give
- ₹2,800,000
- Platform fee (15%)
- −₹420,000
- You receive
- ₹2,380,000
Risks to plan for
- R1
Care plans can change
The provider’s plan may change after an appointment, altering costs or timing. Use expense-based milestones and explain how revised estimates will be shared without revealing clinical details.
- R2
Invoices arrive unevenly
Large treatment bills may fall due before a milestone can be reviewed. Map invoice dates before publishing and explain how payments will be covered while release decisions are pending.
- R3
Travel adds hidden costs
Repeated appointments can add journeys, overnight stays or support costs. Include these in the initial estimate and keep receipts grouped by the treatment stage they relate to.
Questions and answers
Do I have to pay Backers back?
No. Money released for completed milestones is yours. Money still held for unfinished milestones can go back to Backers under the Backing Policy, minus the platform fee.
Do I have to publish my diagnosis to explain the goal?
You can explain the expenses and stages without publishing a diagnosis or full medical history. Use provider estimates and receipts with personal details hidden, keeping only the information needed to understand the funded costs.
What if my treatment plan changes after people back it?
Post an update explaining the changed expenses and timing without sharing private clinical records. Provide a revised estimate for the affected milestone so Backers can assess its proof against the current spending plan.
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