Turn the conversation into action. Pick one, change anything, then seal it.
What we're building next. These aren't switched on yet.
Start here turn the conversation into action
New Year resolutions or write your own below
Say what you will do, by when, and what it costs if you don't. Nobody wins money on Cash Pact. If you keep your word, you pay nothing. If you miss, your penalty builds a community project.
Challenges listed by real clubs: run clubs, gyms, book clubs, faith and community groups. Join one and show up with everyone else. The leaderboard shows attendance, never money.
Make a promise with your friends and actually do the thing: the trip, the five a side, the monthly link up. Everyone sets the same penalty. Whoever flakes pays it, and it builds a project you pick together. Nobody ever wins money off a friend.
Like an ajo, susu or esusu, but for habits. A group makes the same pact together and everyone can see who has done it. Missed penalties build a project the circle chose. Nobody in the circle wins money.
Approved projects across Africa and the Caribbean, delivered by vetted local partners. Partners are paid milestone by milestone, against photos and receipts. All projects shown are samples for the demo.
Vote for the next project. Your vote is advisory: every project still has to pass partner checks before it goes live.
Every penalty collected, where it was allocated and what has been paid out. Community money and Cash Pact's revenue are kept in separate records and are never mixed.
Each line is the community share of a penalty, allocated to a project. In the live app each line links to the partner's receipt.
Cash Pact's share of each penalty. Kept separate from community money.
The most you can ever be charged in one calendar month, across all your pacts. Anything above this is never charged.
A warning at 24 hours, 3 hours and 30 minutes before every deadline, by app and WhatsApp. No period fails without warning.
The most you can spend on gifts in a month. Separate from your pact limit.
An optional paid plan with extra features, billed separately. It has nothing to do with your pacts or penalties. Not available in test mode.
Community share of each penalty. New pacts use this. Pacts already sealed keep the split they were sealed under.