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By clicking Create you accept our Terms and Conditions available here .

NOTE. You can play and test the fairness of the game without any account or money. Once you decide to create an account, you must activate it by depositing an arbitrary negligible fraction of XMR within 24 hours. Not activated accounts will be removed.

This site does not mess with any captchas (protection against robots). This means that we have to throttle the speed of creating new accounts. In the rare cases when you receive a Try again later message, try to create your account in a few moments.


Your most frequently asked questions.

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How do I play?

Request a new card deck, drag the Monero chip to either the Player, Banker or Tie section to make your bet and use the Deal cards link. As easy as that. After each round you can review an instant fair proof of the game and continue with the New game link. Be sure to also review the General part of this FAQ for more information.

What is Baccarat?

Baccarat is a card game played with a standard 52 card deck with French suits (hearts, diamonds, clubs and spades) with no jokers. We play the most widespread Baccarat version of the game the so called Punto banco version. Once a card deck is shuffled, the result of the Baccarat game is deterministic (no decision making during the game is involved). The game was popular in Europe since the 19th century and has since then become a well known card game in all parts of the world. It belongs to the most played and popular card games in casinos because of its very low house edge. The Baccarat rules are described further below in this FAQ. If you haven't played Baccarat yet, you can read more about it and its typical house edge on Wikipedia here .

What are your payouts?

We use higher payouts for the Baccarat game than all casinos we have ever visited or heard of (including the very few fair online Baccarat game providers). Even money is paid in case of a banker’s win and more than even money is paid in case of a player’s win. Tie pays 9.1 times the bet amount as it is also the least probable outcome of the game. Here is a brief comparison:

CasinoOur site
Banker0.95 : 11 : 1
Player1 : 11.05 : 1
Tie8 (9) : 19.1 : 1

All payouts are instant and credited to your balance immediately by the game engine. To give you an example, if you bet 1 XMR, the payouts for the three possible game outcomes will be as follows.

PLAYER - 1.05 XMR    BANKER - 1 XMR    TIE - 9.1 XMR

The payout is instantly credited to your balance and can be used for another game round or withdrawn immediately. An immediate withdrawal is possible because we already waited for the necessary transaction confirmations after you had deposited your money.

What are the Baccarat rules?

Both the player and the banker draw two cards (starting with the player and alternating) and then follow some rules for drawing a third card. In Baccarat the 2 through 9 cards in each suit have their face value, the 10, jack, queen, and king have a value of zero and aces are worth one point. The total value of cards is always given by the last digit of the sum of the cards, so that the highest possible total value is 9. Some examples follow.

  =  9
  =  0
  =  7

We implement the standard Punto banco rules so the game goes on as follows. If either the player or banker or both achieve a total of 8 or 9 at this stage, the game ends with a natural win or tie. If that's not the case, following rule applies for the player. If he has an initial total of 0 through 5, he draws a third card. If the player has an initial total of 6 or 7, he stands. The banker then acts as follows. If the player has two cards, he applies the exact same rule as the player. If, however, the player has three cards, the rules for the banker to draw a third card are more complex depending also on the banker's total as follows.

With player having three cards and with a current total value of 2, the banker always draws a third card. If his total is 3, he draws a third card unless the player's third card was an 8. If it is 4, then the banker draws a third card if the player's third card was between 2 and 7. If it is 5, then the banker draws a third card if the player's third card was between 4 and 7. If it is 6, then the banker draws a third card if the player's third card was a 6 or 7. If it is 7, the banker stands. At whichever stage the game ends with two or three cards in the hand of the player and the banker, the final result is calculated with the higher total amount winning the game or having a tied game if the values are equal.

What are my chances to win in Baccarat?

Due to the more complex Baccarat rules compared to something as simple as a dice game for example, it is not obvious to everybody. Calculating the winning probabilities with standard math is hard because of the many conditions that need to be taken into account. So a better way is to run some simulations and let a computer program do the job. Here are the results. With a randomly shuffled card deck the banker has roughly a 46 percent chance to win the game, whereas the player only about 44.6 percent. That’s why many people in casinos tend to bet on the banker. From thousand rounds only about 95 games will end up to be a tied game.


We play fair and here is how.

Plain language introduction

Have you ever played Baccarat or another card game in a casino? While playing, you could see the card deck all the time so you could be sure that nobody manipulates the card order after you made your bet. This is essential because if a casino could manipulate the cards after your bet, they could easily reorder the cards in such a way that you would lose the game so that you wouldn't have much fun to play. Playing a card game with us, you can't see the card deck, right? Wait, actually you can. Of course, we can't reveal the cards to you before your bet - that wouldn't be much funny either. However, we can show you the card deck in a very smart way that makes sure that the order of cards in the deck is both random and fixed and can't be changed by us after you made your bet. We do this by showing you a long number before each round which, if we were to change the card deck in any way, would never fit into the fairness proof that you can review after every game. Yes, luckily there is the math for doing such smart things. So remember, we don't ask you to blindly trust our site, we just ask you to believe in the math.

The basics

While some online game providers only guarantee that they do not manipulate the outcome of a game, which is easily done by using modern hash functions, this is far from what we call a provably fair system. An online game provider can easily learn from your bets and can be tempted to cheat while still being able to prove not manipulating the outcome. How? Many Baccarat players for example are known to bet just on the banker. If the provider sees that, he can shuffle the card deck before the game so that the result is player and he will show you the hash of the card deck. After you lost the game he will still be able to prove that he didn’t manipulate the card deck. Playing card games online, a provably fair system must always guarantee two things. Cards must not be reordered after your bet and the card deck must be shuffled randomly before each round.

Byte representation of cards

Before we embark on the explanation of our provably fair system, let’s have a look at how we actually map a card to a byte value. Since there are only 52 or 54 cards in a standard card deck that we are using, it is obvious that a byte range will be more than sufficient to represent a single card uniquely. We use the French suits with hearts, diamonds, clubs and spades. Let SUIT be an integer value defined for each suit as follows:


Each card has a value of 2, 3, 4, 5, 6, 7, 8, 9, 10, J, Q, K or A. While the numeric cards map to a integer value directly, we have to define some values for the J, Q, K and A cards. So let VALUE be defined as follows:

JOKER = 0 - 1
CARD = 2 - 10
JACK = 11
QUEEN = 12
KING = 13
ACE = 14

We then use the four higher-order bits to represent the suit and the four lower-order bits to represent the value of the card. With other words, we construct a byte value for any particular card as:

CARD = (SUIT << 4) | VALUE

Let's have a look at two examples:

  =  (1 << 4) | 2 = 0x12 = 18
  =  (3 << 4) | 9 = 0x39 = 57

Server and client seed data

As we show in the description below, we use data from both ends the server and the client to shuffle the card deck. The server generates a random data block for every round (server seed) and sends a SHA512 hash of it back to the client before a fresh card deck is requested. This hash can be reviewed at any time, its full representation is always visible under the SEED link. The important point is that you are given the hash before you request a card deck. Only after the server seed has been fixed and its hash has been made visible to you, you request a fresh card deck by also sending data from your end (client seed). Note that even the initial client seed for each round is generated on the client side so that the server is not involved even in the very first client seed calculation (this is often omitted in provably fair system implementations). Of course, you can change the client seed and request a new card deck before making your bet. And not only that, you can shuffle the card deck multiple times before you decide to play by providing a different client seed and repeatedly requesting a fresh card deck (remember, the server seed is fixed). This way we guarantee that the card deck will not only stay untouched for the upcoming game round, but will also be fully random.

How provably fair sites cheat

Omitting random game conditions: Many providers can prove that they do not manipulate the outcome of the game which is easily done with modern hash functions. However, given a Baccarat game for example, a site can easily see that you tend to bet on the banker. So for the next game they prepare a winning card deck for the player and send a hash of it to you. After you lose the game, they can still prove, nothing was wrong with the card deck. You could try to defend yourself by betting completely random, but as humans are poor in generating anything random, you would be out of luck.

No true client seeds: To guarantee a random shuffle of a card deck, it must obviously also be derived from some data not controlled by the site. This is often called the client seed. But do you really bother changing the seed before you play? If the initial client seed has been generated by the server, it’s like you would be playing without any client seed at all which also means that a card deck could be manipulated to decrease your chance to win against the service provider. This is why our initial client seed is generated by the browser rather than the server. Some implementations might also add some other pseudo randomness by incorporating other data sources like transactions or time. If done in an appropriate way, it is ok but it should never fully replace the client seed.

Order of seed generation: Even if you are given the option to change your client seed, you should always check that the site fixes the server seed first. You should only be asked to provide or change your client seed after you have been given the hash of the server seed. Otherwise, it is not a problem for the site to manipulate the game outcome by trying out some random server seeds until the desired outcome is achieved.

How we shuffle the card deck

Given the plain server seed data (SERVERSEEDPLAIN) and the client data received with every card deck request from the client (CLIENTSEED) we calculate a data block as follows (CARDDECKBASE):

SHA512 ( SHA512 (

This data block is almost what we want. It is based on both the server and client seed data and has been hashed. Deriving a card deck from this data block means that the card deck is random and unalterable. We can’t, however, map this data block directly to the playing cards for a simple reason. The data block might (and mostly will) contain duplicate bytes and we can’t play with duplicate cards in one card deck, right? So as a final step we need a deterministic algorithm to derive our 52 or 54 card deck from the 64 bytes produced by the SHA512 hash function. The algorithm is quite easy, we start with a sorted card deck (sorted by suits and then by values as defined above). So a sorted deck looks like this (SORTEDDECK):

H2 H3 ... HA
D2 D3 ... DA
C2 C3 ... CA
S2 S3 ... SA
J0 ... J1

Using the first 52 or 54 bytes of the 64-byte hash we compute 52 or 54 random indexes into the sorted card deck to pick up the cards into the final deck. After each step, of course, we must remove the card already taken from the sorted deck and make sure that the next index will not overflow the remaining number of cards in the sorted deck. Let CARDDECK be be the final deck to play with, then the algorithm in some hopefully readable pseudo code goes like this. Note that CARDCOUNT is 52 or 54 depending on whether a card game is played with or without the two jokers.

for (i = 0; i < CARDCOUNT; i++) index = (carddeckbase[i] << 8 | carddeckbase[i + 1]) * (CARDCOUNT - i) / 0xFFFF; carddeck[i] = sorteddeck[index]; sorteddeck.Remove(index);

What this algorithm does, is that it basically maps a random value to a smaller range (index into the sorted card deck). Note that some other approaches (modulus approach) generate a biased distribution after the mapping so that some cards would have higher probability to appear on certain positions in the final deck. Even the linear mapping approach used here is slightly biased by design, that's why we take two bytes from the random base for each index, which makes this effect negligible.

Instant proofs

To help you verify the fairness of the game outcomes, after each game a fair proof link will appear automatically. This instant proof will guide you through the steps of a single game verification using the current server seed, client seed and, of course, revealing the entire card deck.

Probability based approach

Once a card deck is shuffled, a Baccarat game outcome is deterministic. With other words it does not involve any decision making on either the user or server side. That being said, probabilities can be calculated for a banker, player or tie game outcomes. So for example, given a fresh card deck, a bet on the banker has a more than 46 percent winning probability. So if you play many rounds, you should observe that the banker’s winning ratio approximates to this value.


Current server seed hash:


A new server seed is generated for each game and you see its hash before a card deck is shuffled.

Client seed:

new      save

The client seed was generated by your browser, you can change it anytime and request a new card deck.


Your XMR deposit address:


Enter your XMR withdrawal address:

Amount to withdraw:




Last withdrawal state:


We played this game fair and here is the proof.

This is how the card deck looked like in left to right orientation:

We showed you the following data before the game (SERVERSEEDHASH):

The server seed that we kept secret was (SERVERSEEDPLAIN):

Now you can verify that the following holds:


This shows that the seed has been fixed before the game and has not been modified.

Let's prove that we have not cheated the card deck. You gave us this data for the card deck (CLIENTSEED):

We have shuffled the card deck with the help of both data blocks including your data (CARDDECKBASE):

SHA512 ( SHA512 (

The above formula produces the random base for the card deck:

Using the algorithm described on our FAIR page you can now unambiguously derive the card deck (CARDDECK):

As you can see, these bytes directly represent the card deck as shown on the beginning of this proof. See the FAIR page for more details on the card to byte mapping and more.


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1. Introduction.

1.1. By using or visiting any section of our website (hereafter referred as Website) you the user (hereinafter referred as User) agree to be bound by these Terms and Conditions (hereafter referred as Terms).

1.2. Please read the Terms carefully. If you do not agree to accept and be bound by the Terms please do not open an account or continue to use the Website. Your continued use of the Website constitutes acceptance of the Terms.

1.3. You must not use the Website if you are under the age of 18 or under the legal age in which gambling is permitted under the jurisdiction which applies to you.

1.4. The current version of the Terms is effective from 1.5.2020.

1.5. We may need to change the Terms for a number of reasons to comply with new laws or regulations or for customer service reasons. The most up-to-date Terms can be accessed here, and the date on which they came into force is noted.

2. Provider.

2.1. The website is operated and managed by Monero Card Games.

3. Opening an account.

3.1. In order to place a bet via the Website, you may need to open an account on the Website.

3.2. You MUST NOT open an account if you are located in a jurisdiction in which applying for or opening an account or using our Website is unlawful or contrary to any applicable regulation (prohibited jurisdiction). It is your responsibility to ensure that this is not the case.

3.3. When attempting to open an account or using the Website from any other jurisdiction it is the responsibility of the player to verify whether gambling is legal in that particular jurisdiction.

3.4. You hereby acknowledge and accept that, by using the services made available on the Website, you may both win and lose money. For more information regarding the best course of action for you, you agree to learn about responsible gaming principles.

3.5. The account must be activated within some period of time shown by the Website with any minumum fractional part of a supported digital currency to prevent automated account creation.

4. User restrictions.

4.1. You warrant that you are not younger than 18 (eighteen) years old, or any legal age at which gambling or gaming activities under the law or jurisdiction that applies to you require.

4.2. You must be a resident in a jurisdiction which allows gambling.

4.3. You also warrant that the money deposited by you is not derived from any activity which is illegal.

4.4. After opening your account, you must not disclose (whether deliberately or accidentally) your username and password to anyone else.

5. Deposits and withdrawals.

5.1. If you wish to participate in betting or gaming using the Website, you may deposit money into your account which you can then use to place bets or play games.

5.2. Monero Card Games can, under certain circumstances, credit a player’s account with so called bonus money. The conditions for the crediting of the bonus and the amount of the bonus is determined by us set out on the Website from time to time.

5.3. Your Account is not a bank account and is therefore not insured, guaranteed, sponsored or otherwise protected by any banking insurance system. Additionally, any money deposited with us in Your Account will not earn any interest.

5.4. The time taken for your deposit to appear in your account balance may reach a typical value for the digital currency you are using to be treated as safely spendable money.

5.5. Withdrawal transactions shall not incur any fees.

5.6. You are exclusively responsible for reporting your winnings and losses to your local tax or other authorities.

6. Exlusion of liability.

6.1. We accept no liability for any damages or losses which are deemed or alleged to have arisen out of or in connection with Website or its content; including without limitation, delays or interruptions in operation or transmission, loss or corruption of data, communication or lines failure, any person's misuse of the Website or its content or any errors or omissions in content.

6.2. Your access to and use of the products offered via the Website, is at your sole option, discretion and risk.

6.3. We will provide the Website with reasonable skill and care and substantially as described in the Terms. We do not make any other promises or warranties with respect to the Website, or the products offered via the Website, and hereby exclude (to the extent permitted by law) all implied warranties in respect of the same.

6.4. We shall not be liable to the User in contract, tort (including negligence) or otherwise for any business losses, including but not limited to loss of data, profits, revenue, business, opportunity, goodwill, reputation or business interruption or for any losses which are not currently foreseeable by us arising out of the Terms or your use of the Website.

6.5. In the event of any dispute, you agree that the records of the server shall act as the final authority in determining the outcome of any claim.

7. Severability.

7.1. If any of the Terms are determined to be invalid, unlawful or unenforceable to any extent, such term, condition or provision will to that extent be severed from the remaining terms, conditions and provisions which will continue to be valid to the fullest extent permitted by law of your resident country. In such cases, the part deemed invalid or unenforceable shall be amended in a manner consistent with the applicable law to reflect, as closely as possible, our original intent.

8. Responsible Gaming.

8.1. We are committed to endorsing responsible gaming as a policy of customer care and social responsibility. We believe it is our responsibility to you, our customers, to ensure that you enjoy your wagering experience on our site, while remaining fully aware of the social and financial harms associated with gambling problem.

8.2. Should you need to take a break from gambling, you may exclude yourself for any definite or indefinite time.


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