Bankroll as a Service
Bankroll as a Service
Bankroll as a Service is WINR’s shared liquidity engine for onchain casinos, creator games, and prediction markets. Instead of every operator raising and managing their own bankroll, they plug into a common, risk controlled pool that lives fully onchain.
Liquidity providers deposit into tranche vaults. Games draw payouts from these vaults under strict limits. The goal is simple: predictable risk for LPs, reliable liquidity for operators, and fully transparent behavior for everyone watching the chain.
How the bankroll works
The WINR Bankroll is built around three ideas:
Segmented liquidity Liquidity is split into isolated tranches. Each tranche has its own max payout per bet, drawdown limits, and performance. Losses in one tranche never spill into another. This lets LPs pick the risk level they want and keeps the system clean when a single game is volatile.
Risk validated games Every game that wants to use the bankroll is tested before it can route volume to a tranche. The model goes through Monte Carlo simulations, variance and EV checks, long tail loss scenarios, and max payout stress tests. Only games that fit the defined risk envelope for a tranche are allowed to use it.
Real time payout enforcement Every settlement call runs through the bankroll engine. The contract checks:
is the payout below the tranche max
are drawdown limits still respected
are there any active circuit breaker or stabilization rules
If a bet tries to pay out more than allowed, the transaction reverts. This makes the bankroll behavior deterministic and keeps risk bounded for LPs and operators.
Tranche model
The bankroll uses three main tranches, each with its own risk profile and parameters.
Senior tranche Low volatility, built for flagship casinos and stable, high volume games.
Max payout per bet around 3 percent of tranche TVL
Daily drawdown limit around 5 percent
Hourly drawdown limit around 2 percent
Monte Carlo survival target above 99.95 percent over long simulations
This tranche is for LPs who want predictable yield and operators who run high frequency, low multiplier games.
Medium risk tranche Balanced profile for growing casinos and most creator games that have structured payout curves.
Max payout per bet around 7 percent of TVL
Daily drawdown limit around 12 percent
Higher allowed short term drawdown and volatility than Senior
Monte Carlo survival target above 99.5 percent
It sits between safety and upside and is often the default for new, but well modeled, games.
High risk / experimental tranche For new mechanics, high volatility slots, jackpot style math, and early creator launches.
Max payout per bet in the 12–15 percent TVL range
Daily drawdown limit around 25 percent
Higher hourly drawdown and deeper variance cycles
Monte Carlo survival target above 97 percent
LPs in this tranche accept larger swings in exchange for higher expected yield.
Each tranche is fully isolated, with its own liquidity, limits, stabilization rules, and health metrics.
Risk controls inside the bankroll
The bankroll does not rely on “hoping the math works.” It enforces risk rules on every settlement.
Max payout control Each tranche has a hard cap on how much it can pay out in a single bet, expressed as a percentage of tranche TVL. If a game tries to settle a payout over this cap, the transaction fails. One spin can never drain away the bankroll.
Drawdown control Drawdown limits set how much a tranche is allowed to lose over different windows, such as hourly, daily, or weekly. If realized losses cross these thresholds, the system marks the tranche as stressed and moves it into Stabilization Mode. This stops variance from compounding unchecked and keeps the bankroll inside modeled boundaries.
Monte Carlo fitting Before a game is approved for a tranche, WINR runs millions of simulated rounds. Simulations cover variance, RTP drift, loss streaks, bonus volatility, and worst case paths. Only games that keep the tranche within its survival targets are approved. Games that fail can be rejected, assigned to a higher risk tranche, or adjusted by the operator.
Circuit breakers Circuit breakers watch for patterns that point to abnormal conditions, such as multiple large payouts in a short period, unusual clustering, or anomalies in RNG entropy and settlement behavior. When triggered, they immediately tighten exposure and can move the tranche into Stabilization Mode for deeper protection.
Together, these layers keep bankroll exposure bounded and transparent even under high volume and volatile gameplay.
Stabilization mode
Stabilization Mode is the protective state a tranche enters when losses or anomaly signals pass its thresholds. The goal is to let games continue while the tranche heals.
When a tranche is in stabilization:
Max payout caps are temporarily reduced
LP withdrawals are rate limited
Volatility and payout patterns are watched more tightly
New large risk is not taken until metrics return to normal
For example, a Senior tranche that normally allows a 3 percent max payout per bet may operate at 1.5 percent during stabilization. Withdrawals stay open, but only a controlled share of TVL can leave in each time window, with larger exits queued FIFO.
The tranche exits stabilization only after three things are true:
LP principal has recovered to a defined threshold without counting new deposits
Volatility metrics are back inside target bands
No new circuit breaker or anomaly events appear in the cooldown window
This mechanism makes the bankroll resilient to extreme streaks without pausing operators or breaking user flows.
Fees and economics
The bankroll uses a simple, performance based fee model. Fees apply only when the bankroll makes money. There are no deposit, withdrawal, or hidden fees.
Protocol fee WINR takes a flat 10 percent fee on net profit generated by each tranche.
If a tranche earns 1,000,000 dollars in net profit over a period:
100,000 dollars goes to the protocol
900,000 dollars is available for LPs
If there is no profit, there is no fee.
LP profit share After the protocol fee, all remaining profit is paid to LPs pro rata based on their share of that tranche’s TVL. LP principal is never touched by fees.
LP Payout = (LP Deposit / Tranche TVL) × (Net Profit × 0.90)
Operator cost Operators do not pay the bankroll fee directly. Their only protocol cost is the Oracle fee on Net Gaming Revenue, covered in the RNG section. Bankroll fees are taken from the profit the tranche makes, not from operator balance sheets.
All fee flows and distributions are onchain and visible through the Proof Layer.
Providing liquidity
Liquidity providers fuel the bankroll and earn yield from real game volume, not token inflation.
The flow is simple:
Choose a tranche that matches your risk appetite
Deposit stablecoins into the tranche contract
Receive LP tokens that represent your share of that tranche
Start earning as games settle and the tranche generates profit
LP tokens are an accounting claim on tranche TVL and future profits. Their value grows as the tranche earns net profit and recovers from stabilization cycles.
There is no impermanent loss like in AMMs. LP exposure is pure game variance, bounded by the risk rules explained above.
Withdrawals are always allowed, but subject to tranche specific limits so that large exits do not hurt the stability of the system. In normal mode, a fixed portion of TVL can leave within a day. In stabilization or emergency modes, these limits tighten but stay predictable.
Bankroll access for operators
Casino operators, creator platforms, and studios can request access to the bankroll and are mapped to tranches based on their games and expected volume.
The onboarding flow collects basic details:
product type and team
game catalog and volatility profile
RTP and multiplier ranges
expected volume and settlement behavior
Games are then tested with Monte Carlo simulations and assigned to a suitable tranche. Settlement integration is done through a single onchain call where the operator passes game outcome data and payout. The bankroll validates the payout against tranche rules and only releases funds if everything is within limits.
This gives operators instant access to a professional, risk managed bankroll without raising their own pool or running a custom risk engine, while keeping behavior fully transparent to LPs, players, and auditors.
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