| Tier 1 Licensed |
US States (NY, NJ, NV, OH, CO, PA) |
Mandatory segregated client trust reserves |
Binding State Gaming Commission arbitration |
1-3 business days (ACH, debit, PayPal) |
High (98/100) |
| Tier 2 Verified |
UK Gambling Commission (UKGC), Malta (MGA) |
Strict capital solvency & player asset ringfencing |
Independent Adjudication Services (IBAS/eCOGRA) |
2-5 business days |
Moderate-High (85/100) |
| Tier 3 Offshore |
Curaçao, Costa Rica, Anjouan (Unlicensed) |
No statutory reserve requirement / Mixed operational funds |
Zero legal recourse; operator terms final |
5-21 days (Crypto or wire with high fees) |
High Risk (25/100) |