- 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: €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.
Example milestone plan
An example plan for a nursing school dream with a goal of €14,000. Backers fund the whole goal, but each milestone's money stays held until you post the proof and Backers release it.
Milestone 1
€2,800 · 20%
Secure the first term
Post an enrolment confirmation, the first tuition receipt and a dated breakdown of required nursing course supplies.
Milestone 2
€4,200 · 30%
Begin clinical training
Share paid course invoices, a placement schedule with identifying details hidden and receipts for clinical supplies.
Milestone 3
€4,200 · 30%
Continue supervised practice
Upload the next tuition receipt, a redacted attendance summary and travel records for the funded placement period.
Milestone 4
€2,800 · 20%
Complete the final term
Post final-term payment records, receipts for remaining required materials and a course completion update.
Budget example
A typical cost split for a nursing school dream in Barcelona, shown in EUR. Backers are charged the equivalent in US dollars.
Example goal
€14,000
- Tuition and course fees€8,400 · 60%
- Clinical supplies and uniforms€2,100 · 15%
- Books and learning tools€1,400 · 10%
- Placement travel and living€2,100 · 15%
What you receive
- Backers give
- €14,000
- Platform fee (15%)
- −€2,100
- You receive
- €11,900
Risks to plan for
- R1
Placement dates can move
Clinical placement dates or locations may change during the course. Separate placement costs by term and allow room in the travel budget for a revised route or schedule.
- R2
Required supplies vary
A placement may require different uniforms or equipment from classroom study. Confirm supply lists before purchase and attach the relevant list to each materials milestone.
- R3
Study reduces paid hours
Classes and clinical shifts can reduce time available for paid work. Map essential living costs to each training block rather than assuming the same work schedule all year.
Questions and answers
What proof can I share without revealing patient details?
Use tuition receipts, required supply invoices and course attendance records with personal details hidden. Never post patient notes or clinical images; Backers need evidence of the funded step, not access to patient care.
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.
Can my goal include travel to clinical placements?
Yes. Explain which placement journeys the goal covers and show how you estimated them. Use travel receipts or a redacted journey log as proof, without exposing patient information or confidential placement records.
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