The sample account

A desk that prices a mechanism has to publish what it assumed. These are the five assumptions, the four numbers they produce, and the ladder a reader can use to substitute their own.

Open the partner account Start with the fees

Account stub

Deposit: 100.00
Return used: 96% on one stake
Wallet fees: 1.5% each way, no minimum
Conversion spread: 2.00%, applied twice when currencies differ
Not quoted: no real company’s fees, terms or figures

the seamOne hop from one ledger to another, each with its own terms and its own fee

the wallet balanceA claim on the wallet, safeguarded and not deposit-insured

the round trip6.86 through a wallet against 4.00 direct, on one sample account

Direct answerThe sample account funds a wallet with 100.00, pays 1.50 to take the money in, stakes the remaining 98.50 once at a 96% return, withdraws the 94.56 that comes back and pays 1.42 to send it out, receiving 93.14. Every other figure on this desk is a variation on those numbers.

Assumption 1 one deposit of 100.00, funded in a single movementAssumption 2 one stake, at a 96% return, no bonus in playAssumption 3 a wallet fee of 1.50% each wayAssumption 4 a conversion spread of 2.00%, when the currencies differAssumption 5 no minimum fee, so the rate applies exactly

Where the 6.86 goes

the game

the wallet

the game’s margin, charged on what is stakedthe wallet’s two fees, charged on the movement of the money

Two bars, two different bases. The game’s 3.94 is charged on the 98.50 that was staked and is paid only when a stake is lost; the wallet’s 2.92 is charged on the way in and on the way out, so it is paid whatever the stake does. That is why the seam is not a rounding error on this desk: it is 42.6% of what a single round trip costs.

The five assumptions

The ladder, per 100.00 funded funded 100.00 top-up fee at 1.50% 1.50 the wallet staked 98.50 game margin at 4% of the stake 3.94 the operator returned 94.56 withdrawal fee at 1.50% 1.42 the wallet received 93.14 total cost 6.86 the game 3.94 57.4% of the cost the wallet 2.92 42.6% of the cost cost of the extra hop against a direct deposit 6.86 - 4.00 = 2.92 the wallet's share of everything lost 2.92 / 6.86 = 42.6%

Start from the stake, because the game’s margin is charged on what is staked rather than on what is deposited.
Add the wallet’s fee on the way in, which is charged on the deposited amount.
Apply the return to the stake to find what comes back, then add the fee on the way out, charged on that smaller sum.
If both balances are in different currencies, apply the conversion spread at each end and count it twice.

Why the assumptions are what they are

Why 96% and not a specific game

A return figure is a property of a game engine, and that subject belongs to another desk in this series. What matters here is that a return is applied between the two wallet fees, so the second fee is always charged on less than the first.

Why 1.5% each way

It is a round number that makes the two hops visible without arithmetic noise, and it sits inside the range a licensed wallet publishes. The page shows the formula, so any other rate can be substituted and re-derived.

Why no bonus

Granted credit changes both the effective return and the withdrawal amount, and it introduces conditions that are a different desk’s subject. The sample account deliberately plays with its own money so the seam is the only variable.

Substituting your own numbers. Replace 1.50% with the fee in a real fee schedule, replace 96% with the return of a real game, keep the order of operations, and the result is the real cost of one round trip. The order is the thing the desk teaches: fee, stake, return, fee, and a spread at each conversion if the currencies differ.

The fees, priced

The same ladder turned into a worked example on the fees page.

The third charge

What the sample looks like when the currencies differ.

How this desk is built

The method, the sources of the sample and what it refuses to rate.