verified challenge funding
Reserve the reward before the streak begins.
A sponsor funds a challenge upfront. Stripe confirms it. The app decides whether the money is released or refunded — based on whether the goal was met.
Minimal. High-trust.
Stripe-backed.
A sponsor funds first
The allowance app initiates funding, which opens a Stripe Checkout. The sponsor pays securely. The funds are reserved until the challenge outcome is decided.
The app decides the outcome
When the challenge ends, the app releases the funds to the winner or refunds them to the sponsor — based on whether the goal was met.
What this layer handles
Stripe payments, webhook-backed status tracking, and a Neon Postgres payment ledger. Challenge goals and state live in the main app — this layer handles the money.