What is Vinzo?

Vinzo is a skill-based commitment platform. You pick a daily movement goal, commit your own money to it, and get that money back in full by hitting the goal every day of the challenge. Finishers also share the pool left behind by the people who stepped away. It is not gambling, because there are no odds and no chance: whether you finish is decided entirely by what you do each day. And it is not an investment or savings product: the only way money comes back is by keeping your own word.

How does a challenge work?

1. Commit. Pick a daily goal (for example 10,000 steps) and a challenge length, then commit real money to it: $20, $25, $30 or $35, plus a flat $3 fee shown before you commit. You join a pack of people committing to the same challenge, capped at 500 per pack.

2. Move every day. Your phone counts your steps and Vinzo verifies them automatically. There is nothing to log and nothing to submit. Hit the goal before the day ends in your pack's timezone and the day is done.

3. Bank your winnings. Finish every day and your full commitment returns, plus your share of the pool left by those who didn't finish. The money lands in your Vinzo balance, ready to withdraw or to commit to your next challenge.

Where does the extra money come from?

From forfeited commitments, and nowhere else. When someone misses a day, their commitment stays in the pool, and the whole pool is distributed to the people who finished. Vinzo takes nothing from the winnings. Our only revenue on a challenge is the flat $3 fee.

How are my steps verified?

Through Apple Health on iPhone and Health Connect on Android, the health systems built into your phone. Vinzo reads the activity records those systems hold and verifies them server-side. Three things follow from that:

• Self-reported numbers never count. There is no field to type steps into.
• Manually entered health data is excluded automatically.
• Manipulated data voids the challenge, and repeat attempts close the account.

Money challenges require a connected, verified source before you can commit. If you use a watch or ring, connect it to Apple Health or Health Connect in its own app, and certified sources count from there.

How does the money side stay safe?

Payments and payouts run through an established payment partner on bank-grade rails. Your card details never touch Vinzo's servers. Before your first withdrawal there is a one-time identity check, handled by our payment partner, which keeps every pack fair and every payout going to a real, verified adult. Withdrawals start at $50: standard is free and arrives in about 1 to 3 business days, instant arrives in minutes for a 3% fee.

What does it cost?

A flat $3 per commitment, shown before you commit, charged on top of your commitment, and non-refundable. No subscription. No percentage of the pool. No withdrawal fee on standard payouts. That's the whole price list.

Who can join?

Adults 18 and older in supported regions. Identity is verified before money is paid out. If an identity check ever reveals an account holder is under 18, the account is closed and all commitments are refunded to the funding card, never forfeited.