Common questions,
plain answers.

5arz issues a signed credential proving a real, ID-verified, live human performed a specific action — verifiable by anyone, offline, against public keys.

For members, that means you earn Stars for short verified tasks from your phone — answer questions, label content, rate quality. Free to join, no job required. Cash-out is paused right now; every Star you earn is recorded and stays yours.

No. A loan is money you receive up front and owe back with interest. 5arz is the opposite — you earn Stars for verified work, and there's no obligation to send us anything, ever. We're recording what you earn for your work, not lending you anything.

It varies by task, and there's no income guarantee — see our earnings disclosure. Every task shows its Stars up front, so you decide what's worth your time, and every Star you earn comes with a receipt. Cash-out is paused right now; every Star you earn is recorded and stays yours.

Short multiple-choice and rating tasks: which of two responses is better, is this content off-topic, rate this for accuracy on a 1–5 scale. No coding, no calls, no "watch this ad." Think Reddit moderating, except each task earns Stars.

Your answers help AI research partners and labeled-data buyers improve their products. That's what funds the Stars — businesses commission the verified work you complete.

Nothing happens — there's no penalty and no obligation. You earn Stars for verified work, so if you stop, you simply stop earning. There are no fees, no interest, and nothing is owed.

Your earned Stars stay in your balance. Take a break and come back to earn more whenever you want. We don't report anything to credit bureaus — 5arz isn't a credit account.

Signing up and earning has no impact on your credit score — any eligibility check we run is a soft pull with zero impact. If you choose to put your earnings toward a debt, how that debt reports is between you and your creditor; paying a balance down generally helps over time. 5arz is not a credit-repair or debt-settlement service — you earn Stars for your work, and what you do with your earnings is your choice.

Not yet. Cash-out is paused right now; every Star you earn is recorded and stays yours. Each Star carries a receipt showing the task it came from, and we'll announce any change to cash-out on this page first.

If you've chosen to apply your earnings to a balance with us, your Stars reduce that balance as set out in your agreement. Either way, your Stars stay yours.

Possibly, once anything is paid out. Cash-out is paused right now, so no Stars are being paid out in dollars today. If and when payouts happen, they may be reportable income, and we'll issue the tax forms the law requires.

While Stars are reducing a debt with us, the IRS treats this as discharge-of-indebtedness income only in narrow cases. We send a 1099-C if applicable. Talk to a CPA for your specific situation.

Yes. Email info@5arz.com with the subject "Account closure". Your remaining balance with us either stays open (so you can come back) or is handled as your agreement describes. We respond within one business day.

From your dashboard, hit the Support link in the side dock, or email info@5arz.com. Include your member ID (top of the dashboard) and we'll triage within one business day.

Anything that benefits from human judgment at scale: prompt-response ranking (RLHF), content moderation, image annotation, translation QA, audio labeling, document review, accuracy rating. We're best at short (5–15 minute) multiple-choice and ranking work — not long-form open-ended generation. We also run focused industry surveys (auto, legal, healthcare, financial) for market-research buyers.

Human verification is free at any volume — no card. The Free plan includes 1,000 seals a month; paid plans (Starter $99/mo, Growth $499/mo, Scale $2,499/mo) add seal volume, a hosted dashboard, webhooks, and support. Full details on pricing.

Commissioned human work — datasets, labels, ratings — is priced per accepted record. Most categories run $0.40–$2.00 per record depending on complexity and required worker skill level. Volume discounts kick in at 1,000 / 10,000 / 100,000 records. Your first $50 of records is free while you validate quality.

Sign up as a business on /business-profile and tell us what you need. Standard datasets you can buy off the catalog. Custom datasets get a scoping conversation within one business day, then we run the collection for you.

Standard catalog datasets ship within 1–7 days depending on volume. Custom collections take 1–4 weeks depending on scope. Our throughput grows daily as we onboard members — by end of 2026 we expect sub-week turnaround on most custom requests.

Every record passes quality gates and reviewer consensus where accuracy matters, and carries an audit trail you can inspect before approval.

Yes — CSV and JSON export from your business dashboard, plus webhook delivery for streaming integrations. API access is included on every plan, including Free — see pricing.

Most labeling vendors ask you to trust their worker pool. We let you check it: every accepted record can carry a signed credential proving a real, ID-verified, live human did that specific task — verifiable by you, offline, against our public keys. You get identity-verified workers with a proof-of-work trail, not an anonymous gig pool churning through a quota.

Affirmative, cryptographic proof that a real, ID-verified, live human — not a bot or undeclared AI agent — performed a specific action. 5arz issues it as a signed Proof-of-Human-Fulfillment (PoHF) credential anyone can verify against our public keys, without trusting 5arz. Detection guesses; 5arz signs. Learn more →

Every credential is a standard ES256 JWT. Fetch our public keys from api.5arz.com/.well-known/jwks.json and verify with any JWT library — no 5arz SDK required. Or paste one into the free in-browser verifier. Verification is local and offline, in under a millisecond.

Get a free sandbox key at /docs (no card), call one verify endpoint per action, and you get back a signed credential. There's a drop-in SDK (npm i @5arz/sdk), a native mobile kit (App Attest / Play Integrity), and a hosted dashboard. The full credential format is the open PoHF standard.

Detection is a probabilistic score that grades itself and that sophisticated bots slip past. 5arz issues affirmative, signed proof a real human was present — a portable credential you verify and own. Compare →

Yes. Bind a verified-human credential to a wallet, then read isVerifiedHuman(wallet) on-chain for verified-human gating — without exposing identity. Live on Base Sepolia (testnet); mainnet after audit. Proof of personhood →

Not by 5arz. Face matching happens inside our verification partner's secure flow, and 5arz never receives the selfie, the ID image, or the facial geometry. Credentials carry a hashed subject identifier — never raw personal data. Details in our biometric data policy.

Share your personal 5arz link. When a friend you refer joins and starts completing verified tasks, you earn rewards in Stars. Rewards come only from real work a friend completes, never from someone simply signing up. The complete details live in the program terms.

No signup fees, no starter kits, nothing to buy. If a friend signs up and never uses it, nothing is owed — you earn only as they actually complete verified work on 5arz. Free to join, free to stay. Full program terms: /legal/referral.

Two things have to happen: (1) they verify their identity with our verification partner; (2) they complete their first verified task. After that, your rewards accrue automatically as they keep earning.

Sign up at 5arz.com, finish verification, then go to /team. Your personal link appears immediately — share it with friends.

We tag them as yours for 60 days. If they sign up within that window — even from a different browser or device — you get credit. After 60 days the tag expires.

No. We use a soft pull via Spinwheel — invisible to credit bureaus, zero impact on your FICO. The same kind of check Credit Karma and NerdWallet use.

Spinwheel charges us per pull (their actual cost is around $2.50; we add a thin margin to cover Stripe fees). We charge it because otherwise people scrape free credit reports through our system without ever intending to sign up. The $4 is fully credited back to your starting balance if you accept your debt offer — so the net cost is zero if you become a member.

Skip the $4 by choosing manual debt entry in the verify flow. You'll type each debt manually and upload a recent statement as proof, but it's free.

Outstanding balance, creditor name, account type, payment history (12 months), and current APR for each debt. They don't see your full credit report, your score, or any inquiries. Their data feed is delivered to us encrypted; we only retain the numbers we need (balance + creditor + type) for as long as you have an active 5arz account, then deletion follows our 30-day post-cancellation retention policy.

Yes: credit cards, medical bills, BNPL (Klarna / Affirm / Afterpay), private student loans, personal loans, store cards, past-due bills in collections.

Not yet: federal student loans (regulatory work in progress), mortgages, auto loans secured by a vehicle, business debt, tax debt, child support, court-ordered debt. We'll expand as licensing and partnerships allow.

Some debts (especially medical bills and collections accounts) don't always report to the standard sources. If Spinwheel comes back light, switch to manual entry and add the missing debts yourself with a statement upload. Your offer is built from the combined list either way.

Choose manual debt entry in step 2 of verify. You'll see a form to add each debt (creditor name, type, balance, APR, last 4 digits of account). After you submit, you'll upload a recent statement for each debt — or skip and our admin team verifies via outreach to the creditor. Slower but free, and the end result is the same.