What's the difference between Challenges and Commits?

Challenges are accountability squads where you commit together and Achievers earn bonus rewards. Commits are custom goals with flexible terms (Standard or Charity option).

How is Accustom different from other accountability apps like Forfeit or stickK?

Most accountability apps only punish failure — you lose your money if you quit and that's it. Accustom is built around rewarding success: in a Commit every check-in settles on its own, so each day you prove returns that day's pledge. In Challenges, achievers get their full pledge return and also earn bonus rewards from participants who fell short. You're not just avoiding a penalty — you're actively competing to win.

How do Grace Days work?

A Challenge includes free Grace Days — the number is shown on the challenge — and you can buy more up to that challenge's limit. Using one covers a missed day, but each one you spend reduces your share of the bonus reward. Commits do not have grace days.

What verification methods are supported?

Four: a photo, a timelapse video you record with your own camera app and upload, an in-app camera photo, or a screenshot. You pick one when you create your Commit; on a Challenge it is set by the challenge.

How does settlement work in Challenges?

Non-achievers' pledges form the bonus reward pool, less the platform fee shown on that challenge. Achievers share it by consistency — the fewer grace days you used, the larger your share. A moderator approves the settlement before any payout is released, within 7 days of the challenge ending.

What happens at the end of a challenge?

Achievers who complete their goals receive their full pledge return plus bonus rewards. In Commits, your pledge can also support charity.

Can I customize my commitment schedule?

Yes. A Commit can run daily, weekly, or once. You choose the duration, the deadline, how you will prove it, and how much you pledge per check-in.

How is my evidence audited?

A moderator assigned to your challenge reviews each check-in against the challenge's requirements. Invalid check-ins may require a Grace Day.

What if everyone completes the Challenge?

If everyone completes the Challenge, everyone gets their full pledge return! It's success for everyone building habits together.

Can I chat with other participants?

Yes! Challenges include community squads where you can connect with other participants, share progress, and keep each other accountable.

Is my data safe and private?

Your data is encrypted and stored securely. Evidence is only used for verification, and check-in data is deleted 15 days after a challenge ends unless there is an open support case about it. We do not sell your data or share it for advertising; see the Privacy Policy for the service providers we rely on.

Maintenance|Services will resume on September 1, 2026

Where Habits Pay Off

The habit app where you pledge real money on your goals and win it back plus more.

2026 Challenges · $489 paid to winnersBrowse

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How It Works

Four steps from commitment to achievement

Step 01

Join the Challenge

Choose a Challenge or Commit, then set your pledge and duration.

Pledge: $50.00
Duration: 30 days
Grace days: 3 free

Step 02

Check In Your Way

Upload a photo, timelapse or screenshot before your deadline.

How often you check in

DailyWeeklyOnce

Step 03

Get Verified

Moderators review every check-in you upload before it counts.

Day 13In review

Day 12Verified

Day 11Verified

Step 04

Get Your Pledge Return

Complete your goal for a full pledge return. Achievers earn bonus rewards.

Pledge returned$50.00

Bonus reward+$28.00

You receive$78.00

Science-Backed Approach

Four findings from peer-reviewed trials, and what each one actually says.

3×

Success Rate

Financial incentives nearly tripled long-term quit rates in a workplace trial — 14.7% against 5.0% for information alone.

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+13pt

Deposit > Reward

Among people willing to stake their own money, deposit contracts beat reward programs by 13 percentage points. Fewer opt in — but those who do, do better.

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Neural Loss Aversion

Potential losses quiet the same reward circuits that gains excite — and how sharply they drop predicts how loss-averse someone is.

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2×

Loss Aversion

Losses register about twice as strongly as equivalent gains. We fight harder to keep what is already ours than to win the same amount.

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All research findings are peer-reviewed and published in leading scientific journals

Two ways in

Challenges and Commits

Both put real money behind a habit. The difference is who you are up against.

Challenges

You against a group

Join a challenge with other people and a shared pledge pool. Finish and you get your pledge back plus a share of what the people who dropped out left behind.

Who sets it up: Accustom or a partner
What you get back: Your pledge + a bonus reward
Missing a day: Grace days absorb a few

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Commits

You against yourself

Write your own commitment and pledge an amount per check-in. Each check-in settles on its own, so you get back every day you proved.

Who sets it up: You, in one sentence
What you get back: Each day you proved
Missing a day: That day's pledge is forfeited

Create a Commit

Multiple Verification Methods

Choose how you prove it

Photo

Take or upload a photo as proof

Timelapse

Upload a timelapse from your camera app

Camera Only

In-app camera only, no gallery

Screenshot

Upload screenshots from gallery

Powerful Features

Grace Days System

Get 3 free grace days to skip when life happens. Purchase more if needed. Strategic use can save your commitment.

Flexible Pledges

Choose a Standard Pledge (100% Pledge Return on success) or Charity Pledge (Donation if incomplete). You decide where your money goes.

Smart Reminders

Never miss a deadline with customizable reminders via app, email, and SMS. Stay on track with timely notifications.

Community Squads

Connect with other participants in Challenges. Share progress, motivate each other, and build discipline.

Where Habits Pay Off

How It Works

Join the Challenge

Check In Your Way

Get Verified

Get Your Pledge Return

Science-Backed Approach

Success Rate

Deposit > Reward

Neural Loss Aversion

Loss Aversion

Challenges and Commits

Challenges

Commits

Multiple Verification Methods

Photo

Timelapse

Camera Only

Screenshot

Powerful Features

Grace Days System

Flexible Pledges

Smart Reminders

Community Squads

Frequently Asked Questions