Train AI.
Earn Stars.
Erase debt.

No. There is no interest while you're an Active member, no APR, no origination fee. 5arz is a membership service: you pay your debt back with work, not money. The obligation is to complete tasks, not to send us payments.

We verify your debts within one business day, but we don't pay them on day one. Instead, you start earning Stars. At 25%, 50%, 75%, and 100% of your balance earned, we wire that share to your creditor directly. You see each payment confirmation in your dashboard. First tranche typically lands within 30 days of signup; full payoff in 6–12 months at the average member pace.

Two paths. Pause: a $9/month maintenance fee freezes your balance and holds your tranche schedule in place — like a gym membership while you travel. Inactive: if you go 90 days with no tasks and no explicit pause, the membership converts to a standard 12% APR obligation, well below typical credit card rates. A 30-Star "reactivation session" waives the fees and puts you back on the 0% Active track.

$0 if you stay Active — complete at least 100 Stars per month (about 6 hours of tasks) and you never pay us anything. $9/month if you choose to pause. The standard-rate obligation only kicks in if you go fully inactive for 90+ days without pausing.

Yes. The unit economics work because AI labs pay us for the training tasks you complete. As long as you keep working, your member side is free. We make our margin on the labs.

Onboarding is a soft pull — no score impact. As each tranche pays your creditor, the original tradeline shows the partial payment. Once fully paid, it closes in good standing. The 5arz obligation isn't reported to credit bureaus while you're Active or Paused. If you go Inactive and don't cure within 60 days, that's when it can become reportable.

Short tasks from AI labs — comparing two AI answers and picking the better one, labeling photos, rating translations, reviewing content. Average task is 12 minutes. Active members typically complete 5–8 hours per week.

No. Traditional debt settlement convinces creditors to take less than what's owed and trashes your credit during the negotiation period. 5arz pays your creditor in full (or on terms agreed at signup), and we pay in tranches as you prove the work. Your tradeline closes in good standing — not "settled for less."

Initial states: Texas, Florida, New York. Additional states roll out through 2026 as licensing completes. Verify your eligibility on the offer page in 90 seconds.

A Star is a 1:1 USD-pegged utility credit, fully reserved in FDIC-insured custody. Each validated task earns Stars equal to your share of the lab payment. Stars settle automatically against your balance and trigger the tranche payments to your creditor.