Group Pacts
Stop letting shared goals live in the group chat. Group Pacts make everyone accountable — with a vote required to break the seal early.
Create the Pact
One member creates the group envelope: sets the goal name, target amount, and unlock date.
Invite members
Share a link or invite by username. Up to 4 friends (5 members total including you).
Each person seals their share
Everyone connects their own bank and deposits their own contribution. No shared accounts — each person seals independently.
Unlock together on the date
When the goal date arrives, everyone gets their funds back — fee-free. The whole group unseals at once.
Group Pacts have strict rules to protect everyone's commitment.
48-hour vote window
Any early unseal request opens a 48-hour voting window for all members.
Majority approval required
2 of 3, 3 of 4, or 3 of 5 members must approve for the unseal to go through.
No vote = no approval
If a member doesn't vote within 48 hours, it counts as a no. Silence protects the group.
Full-unseal only (v1)
Group Pacts unseal fully — no partial unseals in the first version.
A 3-member pact where one member requests an early unseal.
Alex requests early unseal
Vote window opens. All 3 members notified.
Jamie votes: Approve
1 of 2 approvals needed.
Morgan votes: Deny
1 approval, 1 denial. 1 member hasn't voted.
Vote window closes
Alex didn't vote. Counted as denial. 1–2 = majority denies. Envelope stays sealed.
Can I leave a Group Pact?
Not before the unlock date (v1). The seal is a commitment for everyone. You can unseal early if the group votes to approve it.
What if someone doesn't contribute?
Each person's contribution is their own. You can start a Pact with zero contributions and add funds over time.
What's the fee for early group unsealing?
Same 3.5% Commitment Fee, capped by tier. It's calculated on each member's individual contribution amount.
Can I be in multiple Group Pacts?
Yes — you can participate in as many Group Pacts as you want, simultaneously.
Approval required
2 of 3
3 members
3 of 4
4 members
3 of 5
5 members
No vote within 48h counts as denial
See exactly how the invite flow and vote mechanic works. No real money, takes ~60 seconds.