Common questions,
plain answers.

5arz pays you real money to complete short tasks from your phone — answer questions, label content, rate quality. Each task earns Stars worth $1 each. Cash out anytime, or use what you earn however you want — including paying down a debt. No fees to join, no job required.

No. A loan is money you receive up front and owe back with interest. 5arz is the opposite — we pay you in Stars (1★ = $1) for verified work, you cash out to your bank, and you decide what to do with the money. There's no obligation to send us anything, ever. We're paying you for your work, not lending you anything.

Pay varies by task and isn't guaranteed — see our earnings disclosure. Most tasks pay $2–$5 in Stars and take 10–15 minutes. What you do with your earnings is up to you: cash out, save, cover a bill, or put it toward a debt yourself. Steady weekly effort makes steady progress — your results are your own.

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 surveys, 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 how the pay is funded — businesses buy the verified work you complete.

Nothing happens — there's no penalty and no obligation. 5arz pays you 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. Cash out what you've earned, 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 — we pay you for your work, and what you do with your earnings is your choice.

1 Star = $1. Cash out your Stars to your bank account at that 1:1 rate via Stripe Connect — payouts run weekly with a $10 minimum.

If you've chosen to apply your earnings to a balance with us, your Stars reduce that balance automatically at the same 1:1 rate — no conversion needed. Either way, it's your money and your call.

When you cash Stars out as USD, yes — that income is reportable to the IRS as miscellaneous income (1099-NEC if over $600/yr). We issue 1099s at year-end and are working on a tax-prep partner discount.

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 gets converted — the agreement covers both cases. 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.

You pay per delivered 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 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.

Three layers: (1) minimum dwell-time gates per category so click-through speedrunners can't farm Stars; (2) consensus thresholds — answers needing high accuracy get N reviewers and an agreement score; (3) ongoing performance scoring per member so high-skill workers get prioritized for high-value work. Every record 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 available for Tier 2+ accounts.

Scale and Surge are middlemen — they take a large cut of what you pay and pass the rest to workers. We route nearly the full task price to the member, who earns real money and cashes out. That means better quality at the same price point: motivated, identity-verified workers with a proof-of-work trail, not an anonymous gig pool churning through a quota.

Share your personal 5arz link. When a friend you refer joins and starts completing verified tasks, you earn rewards — Stars worth $1 each. 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 Stripe Identity; (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 who could use the help.

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.