Terac

Who can join

• Be at least 18. Terac's Terms of Service say persons under 18 are not permitted to use or register for the services, and that experts work as independent contractors, not employees.
• Real professional expertise. Terac says minimum qualifications typically require undergraduate-level expertise, and each opportunity lists who should apply.
• A mobile phone number you can verify by text. It is the one required onboarding step, and you need it to apply; virtual numbers such as Google Voice and landlines cannot be used, and numbers from some countries are not supported yet.
• One account per person. Terac says multiple accounts may result in suspension, and you cannot merge a duplicate created by mistake yourself: its support assistant, Sophia, has to help.
• A government-issued photo ID before your first cash-out. The check is run by its payout partner, which its safety page names as Whop (if you verified before Terac switched payout partners, you are asked to verify once more); your name, date of birth and address must match the ID exactly, and US experts give their SSN.
• A country Terac can pay. It publishes no list: cash-outs go through its payout partner (Whop), and in the few countries the partner cannot pay out to, through Virtual Incentives, which emails you a link to choose a payment method.
• For AI interviews, a computer or phone with a camera and microphone (the camera stays on throughout) and an up-to-date browser: Terac says Chrome or Edge work best, and Safari and Firefox lack some checks. Some opportunities run only on a computer.

Step by step

1. 1

   Sign in with an account you already have

   There is no password to create. Continue with LinkedIn is the option Terac recommends, because it pre-fills your background; Facebook, Google, Microsoft and GitHub also work. Always use the same provider: one with a different email address creates a new account instead of opening yours.

2. 2

   Verify your phone number

   This is the one required onboarding step. You send a pre-filled text from your phone (on a computer, by scanning a QR code) or ask for a 6-digit code instead; once your phone is verified, onboarding counts as complete and you can apply to opportunities.

3. 3

   Build your profile and set your rate

   Connect LinkedIn or upload a resume (a PDF of up to 10 MB) so Terac can fill in your experience, education and certifications, check what it filled in, and set your preferred hourly rate (you can change it later). Terac says completed profiles are much more likely to be approved for opportunities.

4. 4

   Take the onboarding interview (optional)

   A voice conversation of about 10 minutes, in English, with Sophia, Terac's AI interviewer, that helps match you with opportunities. You need your camera and microphone on and must share your screen. You can skip it, or leave and finish later, but once finished it cannot be taken again.

5. 5

   Verify your identity early

   Under Profile, then Identity and Security, complete the ID check before you start work: you cannot cash out anything you earn without it, and the application checklist marks it Required.

6. 6

   Find opportunities

   Invitations appear on Home as a row in Your turn, marked Invited, with the pay and when the invitation expires; declining one gives up your place for good. Everything else open to you is on Explore, with All opportunities, Project-based and One-time tabs. Read each listing's 'Who Should Apply' section; most opportunities you are not a fit for are listed separately under Refer & earn, where you cannot apply.

7. 7

   Apply and pass the screening

   Click Start Application. Steps vary by opportunity and can include connecting accounts or a calendar, basic info, screening, tasks and payout. If your basic-info answers do not match what the opportunity needs, you are told straight away; screening can be a short form, a quick AI voice interview or a file upload.

8. 8

   Take an assessment if the opportunity asks for one

   Since 24 October 2026 some opportunities use assessments: real work from your field, such as a case to solve or a model to build. You take each one once, and your answer counts for every opportunity that asks for it, including ones that open later; each opportunity still decides on your fit separately.

9. 9

   Wait for the decision

   Your work is reviewed after screening, after tasks, or both, sometimes automatically and sometimes by the Terac or research team, and Terac emails you when there is a decision. If you are screened out, the screen says 'let's find you something better' or 'This study wasn't the right profile match', without saying which requirement you missed; you can still apply to others.

10. 10

    Do the work and get paid

    Approved one-time work goes into your Terac balance. Project work usually starts with setup tasks such as signing a contract; on hourly projects only the hours you track in Insightful are paid, after review, and a project may pay all tracked time, productive time only, or productive and neutral time. Each project sets its own payout schedule.

Tips to get accepted

• Verify your ID before you need the money. The first cash-out requires a one-time Whop identity check, and your name, date of birth and address must match your ID exactly; if you verified with Terac's previous payout provider, you must verify again.
• Always sign in with the same provider. Signing in with one that uses a different email address creates a new account instead of opening yours.
• Check Home for invitations and Explore for new listings often. Terac's own FAQ answer to 'Why don't I see any opportunities?' is that new ones open all the time, so check back regularly.
• Connect Google Calendar under Profile, then Availability, so Terac can see when you are free, and keep your profile complete.
• On hourly projects, give the Insightful time tracker (its app is called Workpuls) screen-recording permission: it takes screenshots only while your timer runs, and most hourly studies expect them to back up your hours.
• Expect to be screened out of most studies at first. One 2026 review of an account found most applications screened out and $20 earned across 6 studies, while listed studies paid $100 to $350: a listed price is not income until you pass screening.
• Only verify your ID from your Terac settings or Earnings page. Terac never asks for a password, a verification code, a bank login, a fee or a deposit, and a genuine study link always points to terac.com.
• You can take Terac's open assessments before any opportunity asks for them: its assessments page lists five free ones (a 300-minute engineering assessment, a 35-minute rubrics and RL assessment, a learning ability assessment, an IQ test and a work-style assessment). A result counts for every opportunity that asks for that assessment, but does not get you into one by itself, and for some opportunities the client can read your submission. Recorded assessments need a computer with one screen, shared with your camera on.