Stake real money on your habits. Hit your targets and pay nothing. Miss them and get charged. Simple as that.
How it works
Exercise, meditation, reading, learning — or define your own. Set the frequency that fits your life.
Choose how much is on the line — €5 to €50 per period. Your card is only charged when you miss.
Self-report, upload photo proof, or assign a referee to verify. Stay honest and keep every cent.
The science
Decades of behavioral economics research, distilled into one simple mechanism.
2×
Loss aversion
Losing €10 hurts twice as much as gaining €10 feels good.
3×
Success rate
People with financial stakes are 3× more likely to reach their goals.
91%
Completion
Contracts with external accountability see near-perfect follow-through.
€0
When you succeed
You only pay when you fail. Most people never get charged.
Features
Invite a friend, coach, or accountability partner by email. They verify your check-ins with one click — no login needed. Knowing someone is watching changes everything.
Upload evidence for each check-in. Keep yourself honest with a visual log of your progress.
Daily, weekly, or monthly. Fixed duration, custom date range, or roll indefinitely.
Visual calendar showing streaks, missed days, and future. See your consistency at a glance.
Stripe handles your card details. PCI Level 1 certified. We never see your card number.
One tap to check in. No journals, no tracking spreadsheets, no friction. Open the app, hit the button, move on with your day. The less time you spend in the app, the better.
Templates
Gym 3×/week
€10/period · 30 days
Meditate daily
€5/period · Rolling
Read 5×/week
€5/period · 90 days
Practice guitar 3×/week
€10/period · 60 days
No smoking
€20/period · Rolling
Run 4×/week
€15/period · 30 days
FAQ
Only when you miss your target for a period. If your goal is "Gym 3×/week" and you only check in twice, you're charged your stake for that week. Hit 3 or more and you pay nothing.
Yes. Cancellation takes effect at the end of your current period. The current period still counts — you can't game the system by cancelling right before a deadline.
A referee is someone you trust — a friend, coach, or partner — who you invite by email. They get simple links to verify or reject your check-ins. No account or login needed.
Your card details are handled entirely by Stripe (PCI Level 1 certified). We never see, store, or process your card number. Same infrastructure as Amazon, Google, and Shopify.
We retry up to 3 times over 3 days. If it keeps failing, your goal is paused and you're notified to update your payment method.
Failed pledges are charged to Pledgr. The financial sting is the product — your incentive is to never be charged. Most people never are.
Stop relying on willpower alone. Put something real on the line and watch how your consistency changes.
Start your first pledge