Every dial on the board comes out of the same four numbers. Nothing else feeds it: not lobby design, not game count, not how the app looks.

Usable credit

The redeemable balance credited free at signup, expressed on its own. Gold Coins are logged and scored at zero.

Redemption floor

The minimum balance the cashier enforces. We confirm it by attempting a withdrawal below it, not by reading the marketing.

Days to clear

How long free entries took to move the balance from the signup credit to the floor. Zero where the credit already covered it.

Filing to funds

Hours between submitting the redemption and the money arriving. Measured once per operator, on a first payout, with verification already complete.

• Usable credit measured against the floor, because together they decide whether a payout is realistically reachable
• Days to clear, the figure new players most often underestimate
• Settlement speed, which separates operators that otherwise look identical
• Payment integrity, treated as a gate rather than a score: a refusal removes an operator from the board

No operator has been removed on that basis. All eighteen paid in full.