How CRCQL works

Three kinds of campaigns

Personal campaigns cover medical bills, disasters, memorials, and hardship. CRCQL takes a 0% platform fee. Payment processing (about 2.9% + $0.30 for cards, less for bank transfer) is passed through. Donors can optionally cover those costs so the organizer nets 100% of the gift. On card checkout, donors can also add a voluntary tip to CRCQL (off by default). Tips go to the platform, not the campaign. Personal campaigns can also take USDC on Base or Polygon: you send it to the organizer's wallet. CRCQL does not hold those keys. You can buy USDC with a card (convenience only — still the card processor's rules). If cards are blocked, USDC stays available.

Organization campaigns are nonprofits, churches, and community groups CRCQL chooses to list. Only CRCQL creates those campaigns. Anyone can donate. Same 0% platform fee as personal campaigns: keep what they raise, identity before payouts, cards and optional USDC. They browse separately from campaigns people start, on Organizations we support.

Business and creative campaigns cover gadgets, films, art, and startups. They are all-or-nothing: if the goal is not met by the deadline, pledges are not charged. If the goal is met, CRCQL takes 5% and the rest goes to the organizer. Card backers can add the same optional CRCQL tip at checkout. Crypto is not offered on business campaigns until a non-custodial smart-contract escrow is legally cleared in Pennsylvania.

Platform fees, processor rates, optional tips, and what you keep are on Pricing.

Identity before payouts

Organizers complete identity and bank verification before withdrawals. That is a banking requirement, not a content review. Donors do not need to verify identity for ordinary gifts.

What we will not host

Illegal activity, terrorism, fraud, and unlawful goods are prohibited. We do not suspend campaigns for ideology, controversy, or third-party pressure when the campaign stays inside the law.