Mato is a platform designed to help you achieve measurable personal goals by combining financial incentives with structured support. You start by setting a specific, achievable goal (e.g., losing weight, gaining muscle, learning a skill, or earning a certification). If your goal is approved, you commit by paying a deposit. Over the course of 12 months, you work toward your goal while tracking progress on our platform. Upon successfully completing your goal and providing evidence, you earn up to 4x your initial investment as a reward.

You can set any measurable and achievable goal, such as:

Weight loss or fitness goals (e.g., losing 10 kg, running a marathon).
Muscle gain (e.g., gaining 5 kg of muscle).
Skill mastery (e.g., learning piano, coding, or a new language).
Professional certifications (e.g., earning a PMP, CPA, or a tech certification).
The key is ensuring the goal is specific, realistic, and trackable.

When you submit your goal, our team reviews it based on specific criteria, such as clarity, measurability, and achievability. We may ask for additional details or suggest adjustments to align your goal with realistic outcomes. This process ensures fairness and increases your likelihood of success.

If your goal isn’t approved, we’ll provide feedback on why it didn’t meet the criteria. You can modify your goal based on our suggestions and resubmit it. Common reasons for disapproval include overly ambitious timelines, vague objectives, or goals that aren’t measurable.

The subscription flat-based fee of €4.17 means participants pay a fixed amount each month for 12 months. Instead of paying the deposit upfront, this monthly fee spreads the commitment evenly over the year, making it more affordable and manageable. 

You can earn from 2x to 4x your deposit if you reach your target, which means that a subscription fee of $50 per year ($4.17 per month) could turn into a reward of $200 guaranteed.

If you don’t achieve your goal within the 12-month timeframe, you won’t be eligible for the reward, and your deposit is non-refundable. This structure ensures that participants remain committed to their objectives.

Mato’s platform includes tools to help you monitor and track your journey. Depending on your goal, you can upload progress updates, log activities, and use our reminders and motivational content to stay on track. These features help you stay accountable and motivated throughout the process.

Evidence requirements depend on your goal. For example:

Fitness goals: Photos, weigh-in records, or fitness app data.
Skill mastery: Videos of you performing the skill or certification documents.
Certifications: Official certificates or test scores.
You’ll receive guidance on acceptable evidence after your goal is approved.

Unfortunately, partial achievements don’t qualify for the reward. Mato’s system is designed to incentivize full commitment and success. However, we celebrate all progress as a step forward and encourage you to set new goals if you fall short.

No, goals cannot be changed after approval, as your deposit and reward terms are tied to the original agreement. If your circumstances change significantly, contact our support team to discuss options.

There’s no strict deadline to submit your goal, but the 12-month period starts once your goal is approved and you’ve made your deposit. We recommend submitting your goal as soon as possible to begin your journey.

Once you submit evidence of your success, our team will review it within 5 business days. If approved, your reward will be processed, and you’ll receive your payout within 3–5 additional business days.

Mato maintains fairness through:

Rigorous goal reviews to ensure they’re realistic.
Clear reward terms outlined in your approval email.
Transparent tracking and evidence submission processes.
A dedicated support team to address any concerns or disputes.
With these safeguards, we ensure everyone has a fair chance to succeed.