Question 1

What is Pact?

Accepted Answer

Pact is a commitment market settled by your wearable. You stake real money on a habit, and your Whoop or Oura decides whether you held it. If you didn't, your stake goes to a charity you'd hate to fund.

Question 2

How is Pact different from Beeminder or StickK?

Accepted Answer

Beeminder and StickK both rely on self-report — you mark whether you held the habit. Pact is different because the verdict is written by a wearable API (Whoop or Oura), which cannot be gamed. The oracle is the body, not the user.

Question 3

Who settles the bet in Pact?

Accepted Answer

Your wearable. Pact reads directly from the Whoop or Oura API — sleep windows, workout counts, recovery scores, step counts — to determine whether the pledge was honored. There is no self-report.

Question 4

What happens to the money if I flake?

Accepted Answer

It goes to a charity you chose precisely because you'd hate to fund them. Not to the house, not to an opponent, not to strangers. The worst case is morally tolerable — someone, somewhere, wins. You just won't like who.

Question 5

Is Pact real money?

Accepted Answer

The first cohort (May 2026) stakes in play money — points, not dollars. The second cohort stakes in real dollars through a Gibraltar-licensed entity, rolling out in Q4 2026. Play money is trust-building. Real money is the business.

Question 6

Who built Pact?

Accepted Answer

Param Vaswani, a solo founder based in Bangalore, India. Param argues that every habit app fails at the same place — self-report. Wearables are the fix, because they can be read but not bargained with.

Provider	Verdict	Value	Samples	Latency	Error
Whoop	insufficient	—	—	190ms	below_min_samples
Oura Ring	unavailable	—	—	160ms	no_token
Ultrahuman M1	unavailable	—	—	90ms	no_public_api
Apple Health	unavailable	—	—	85ms	no_token