A score out of five comes from four numbers and nothing else. Lobby design, game count and app polish get described in the review text but carry no weight.

Usable credit

The redeemable balance credited free at signup, stated on its own line. Gold Coins are logged for context and scored at zero.

Redemption floor

The minimum the cashier enforces. We confirm it by trying a withdrawal below it rather than trusting the terms page.

Free clearance

Days of daily bonuses and promotions needed to move from the signup credit to the floor. Zero where the credit already covers it.

Filing to funds

Hours from submitting a redemption to money arriving, measured once per operator with verification already complete.

• Usable credit 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 on paper
• Paying in full, treated as a condition rather than a score: a refusal means removal from the page

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