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The on chain program holds your pledge in escrow. Not the creator, and not us. Every campaign here is all or nothing. If the goal isn't reached by the deadline, the escrow unlocks and you take your pledge back with one tap. The fees you paid when you backed aren't returned. If the goal is reached, the money goes to the creator to build what you backed, and from then on you rely on them to deliver. Some creators don't, and no escrow can fix that. You can see the public escrow record from any campaign page.

Every campaign here is all or nothing. If the goal isn't met by the deadline, the escrow unlocks and you take your pledge back with one tap. No forms, no waiting. The fees you paid when you backed (the platform fee, the flat fee, any tip and any share reward) aren't returned.

Backing a campaign costs a platform fee of 1.5%. Paid plans lower it to as little as 0.5%, but they aren't on sale yet, so everyone pays 1.5%. Adding money by card costs our fee of 0.25% plus a flat $0.99, and the network fee, taken as it moves from its deposit wallet to yours. The payment partner shows its own fee on its page. Direct transfers into your account have no CoFunders fee, and browsing is always free. Every transaction you make carries the network fee, which you see before you confirm. Money held in your account also has a 0.01% weekly holding cost, about 0.52% a year. See “What is the holding cost?” below.

Money sitting in your account has a 0.01% weekly holding cost, about 0.52% a year. It pays for running and securing CoFunders. It's never charged on what you've backed, and nothing is charged on a balance of $10 or less. Once what accrues comes to $1.00 or more, it's taken automatically after a transaction you make, with the network fee of that transfer.

Add at least $20 to your account, back a campaign, create a campaign, open the app every day for 7 days in a row, post a short video about CoFunders on Instagram and TikTok, invite 10 people who each publish a campaign and back one, and finish the education course. Then send your claim from your profile. A person reviews it within a few days and pays $50 once. We can refuse a claim for any reason, including a video that doesn't meet our standards. Each person you invite also earns you money from the day they join: half of our fee on everything they back, a tenth of the fee revenue they bring in, and $20 for every $50 of revenue one of them brings in, for as long as they keep using CoFunders.

Rewards unlock based on how much you've pledged to that campaign. Open its page: tiers you've unlocked show their full details, and the creator arranges delivery through campaign updates and direct messages.

Your balance is held in digital dollars (USDC), a token its issuer designs to stay at one dollar. It isn't a bank deposit: no deposit guarantee stands behind it, and the issuer can freeze an address. It moves instantly and works worldwide. The app always shows your money in the currency you pick under Currency in the menu.

In your own account, protected by keys held on your device. Two things move without your approval, and both are small. Money added by card is moved out of its deposit wallet by a transaction a CoFunders key signs. And the holding cost is settled with a payment you were already making. The program that holds pledges can also be replaced by a single key CoFunders holds. You can export your account key any time under Menu → Security.

In Portfolio, tap Withdraw. Card and bank payouts go through MoonPay, a licensed partner that checks your identity and shows its own fee. We charge nothing. You can also send your balance to any Solana address.

Yes, in one case: if an all or nothing campaign misses its goal by the deadline, the escrow unlocks and you take your pledge back with one tap. The fees you paid when you backed aren't returned. Once a campaign reaches its goal, the money goes to the creator to build what you backed, so it can't be returned. Only back what you're comfortable parting with.