Gig workers renting accounts is no longer a fringe issue—it’s becoming a widespread survival tactic. New data from TransUnion’s Winter 2026 Gig Economy Worker Report shows nearly half of surveyed gig workers admit to renting or selling access to their accounts. Many do so despite platform rules that prohibit the practice. The findings answer a growing question: why account sharing keeps rising even as platforms invest in security. The short answer is economic pressure. For many workers, unstable income and limited job options outweigh the risks. Trust and safety, once framed as a consumer issue, are now clearly a worker crisis too.

New Data Challenges the “Bad Actor” Narrative

The report complicates the common assumption that gig economy fraud is driven mainly by criminals at the edges of the system. Instead, it points to a pattern shaped by financial stress, uneven enforcement, and structural barriers. Millennials and Gen Z workers reported the highest rates of account renting, with one in four saying they had personally done it. These behaviors, while often labeled as fraud, are increasingly normalized coping mechanisms. The data suggests many workers are reacting to a volatile labor market rather than acting with malicious intent. This shift forces platforms to rethink how they define risk. It also raises questions about how sustainable current safeguards really are.

Why Workers Share Accounts Despite the Risks

Interviews and surveys revealed a wide range of account-sharing scenarios. In some cases, organized crime groups do take over legitimate accounts. More often, however, workers said they allowed friends or family members to use their profiles. These individuals may have failed identity checks or lacked sufficient driving history to qualify on their own. That distinction matters because it highlights systemic barriers rather than deliberate deception. Workers described the practice as mutual aid in an unforgiving economy. When access to income is restricted, rules become negotiable.

Financial Dependence Is Reshaping Worker Behavior

Economic pressure shows up throughout the report in troubling ways. One in four respondents said they wanted to leave gig work after being scammed or abused but felt financially trapped. This dependence discourages reporting and distorts the data platforms rely on to design safety features. When workers stay silent, risks appear smaller than they are. Over time, this erodes trust on both sides of the marketplace. The system keeps running, but confidence weakens underneath.

Workers Don’t Trust Platform Verification Systems

Only 45% of surveyed workers believe gig platforms have strong identity verification processes. While many companies invest heavily in background checks at onboarding, that scrutiny often fades over time. Ongoing checks like device monitoring, biometric confirmation, and account continuity are inconsistently applied. Workers also notice that consumers face far less verification. This imbalance fuels resentment and exposes workers to abuse. Trust breaks down when safety feels one-sided.

Customer Fraud and Tip-Baiting Add to the Strain

The data also highlights how often workers are harmed by customers. Thirty-four percent said customers cheated them while they were working. Even more striking, 43% reported experiencing tip-baiting, where promised tips disappear after delivery. Despite these incidents, reporting remains low. Only about two-thirds of fraud victims informed the platform, and just half contacted law enforcement. Workers who experienced fraud were also less confident that in-app safety tools would protect them, signaling a deeper loss of faith.

Verification as Prevention, Not Punishment

The report argues that stronger verification should be framed as prevention rather than discipline. Workers who had been scammed actually supported more robust checks for both earners and customers. These included biometrics, device intelligence, address validation, and cross-platform fraud signals. Importantly, many wanted problem users removed entirely, not merely flagged. TransUnion suggests this can be done without harming user experience by layering data points over time. Adaptive verification, not static rules, is key.

A Trust Threshold the Gig Economy Can’t Ignore

Looking ahead to 2026, the report raises a critical warning. If platforms fail to respond, account renting could become a normalized operating cost of the gig economy. That outcome carries serious risks, from physical safety to financial loss. Weak verification and underreporting prevent platforms from seeing the true scale of the problem. The data suggests gig platforms are nearing a trust threshold. Without meaningful investment in safety for both workers and consumers, the system may continue—but increasingly through gray-market workarounds that threaten its long-term stability.