Funds

Fund safety summary

Owners review support terms before accepting. Supporters’ money is held until collection.

Two support paths

Funds can include return-backed support and no-return donations where available.

Trust reminder

Accepted return-backed support creates commitments and affects trust history if missed.

Overview

A Fund is a community-backed goal. Instead of one supporter covering the full amount, multiple people can help move the goal forward. Some backers may offer return-backed support. Others may donate with no return expectation where donations are enabled.

The owner chooses what to accept, collects when ready, and then completes any required returns according to the schedule generated for the accepted return-backed support.

Support Types

Return-backed support

A backer contributes an amount with expected return terms. If accepted and collected, it becomes part of the Fund return schedule.

Donation / no-return support

A supporter contributes without expecting repayment. It helps Fund progress but does not create a return obligation.

Creating a Fund

📝

Title and story

Explain what the Fund is for and why it matters. Clear goals attract better support.

🎯

Goal amount

Set the total target. Your progress can include accepted support and donations where enabled.

🔁

Return settings

For return-backed support, define the schedule and repayment structure clearly before collection.

🌐

Visibility

Share publicly, through Community+, or inside a Circle depending on your strategy.

Funds can be shared with a public link and can also appear in Community+ as announcements. This gives supporters a clear page to review the goal, progress, and available ways to help.

Best practice: Share the Fund link with context. A bare link is weaker than a clear explanation of the goal and why support is needed.

Support Offers

Backers can submit return-backed support offers. The owner reviews the amount and expected return before accepting. Accepted offers contribute to the Fund and can become part of the return schedule after collection.

Offer item	Meaning
Contribution amount	How much the supporter is willing to back.
Total return / return terms	What the owner should expect to return if the offer is accepted and collected.
Hold	The supporter’s wallet amount may be held while the offer is pending or accepted, depending on status.

Donations

Donations are no-return contributions. They help the Fund progress without creating a repayment schedule for the owner.

Donation rule: Donation support should be presented clearly so supporters understand there is no return expected.

Accepting & Declining Offers

Fund owners do not have to accept every offer. Review the amount, total return, and overall schedule impact before accepting.

Action	What happens
Accept	The offer counts toward the Fund and may remain held until collection.
Decline	The offer is not used and the backer’s hold is released/refunded where applicable.
Ignore for now	The offer remains pending until the owner makes a decision or the Fund status changes.

Collecting

Collection is the point where accepted support moves from commitment into the owner’s wallet. After collection, return-backed support becomes an active obligation.

Before collecting: Make sure you are ready for the return schedule. Once the Fund is collected, the accepted support is no longer just interest — it is an active commitment.

Returns Schedule

For return-backed support, the schedule shows due dates, total due, and how returns are split across backers based on the accepted shares and terms.

📅

Due dates

When each return is expected.

🧮

Split by backer

Each backer receives the portion tied to their accepted support.

✅

Completion

Completing the schedule protects trust score and future support access.

Wallet & Holds

Holds protect the Fund process. A backer should not promise support they cannot fund, and an owner should be able to trust that accepted support is real.

Supporter experience: A held amount may reduce available wallet balance until the offer is accepted, declined, withdrawn, refunded, or collected depending on the status flow.

Status Lifecycle

Open

The Fund can receive offers, donations, and visibility.

Accepted support

The owner has accepted one or more backer offers.

Collected

Accepted return-backed support moves into the owner’s wallet and the schedule begins.

Completed

All required returns are complete.

Closed / expired / cancelled

The Fund is no longer collecting new support. Holds are released where applicable.

Missed Commitments

Missing a Fund return can affect the owner’s trust history and may trigger reminder, overdue, default, or protected support workflows depending on the Fund and account state.

Resolve quickly: Recovering a missed commitment is much better than leaving it unresolved.

FAQ

Can a Fund receive donations?

Yes, where donations are enabled. Donations help progress without creating return obligations.

Do I have to accept every support offer?

No. Fund owners can accept or decline offers based on amount, return terms, and fit.

What happens when I collect?

Accepted return-backed support moves into your wallet and the return schedule begins.

Can I share a Fund publicly?

Yes. Use the public Fund link and Community+ announcement flow where available.

Does a Fund affect trust score?

Return-backed support can affect trust history if missed or completed. Donations do not create return obligations.