Today we sit down with Dr. Sarah Chen, PhD, Fintech Innovation Analyst, Stanford Digital Economy Lab. We discuss their expert analysis: “GAMIING™’s Decremental Payout System: A Fintech Breakthrough in Risk Management.”
GAMIING™ Blog: Dr. Chen, you’ve been analyzing fintech innovations for over a decade. What was your first reaction when you reviewed GAMIING™’s decremental payout model?
Chen: Honestly? I had to read the white paper three times. [laughs] In fintech, we see a lot of ‘innovations’ that are just minor tweaks to existing systems. But GAMIING™’s approach—this decremental payout structure combined with guaranteed minimums—is genuinely novel. It addresses a fundamental problem in gambling that no one has seriously tackled: the total loss scenario.
GAMIING™ Blog: Can you explain the innovation in simple terms?
Chen: Sure. Traditional online gambling is binary: you either win or lose
100% of your bet. GAMIING™ changes this by implementing a decremental system. Let’s say you have $150 in credits for 10 bets. Bet 1 pays out 100% if you win ($150). Bet 2 pays 90% ($135). Bet 3 pays 80% ($120), and so on down to Bet 10 at 10% ($15). But here’s the kicker: even if you lose all 10 bets, you still get that 10% minimum—$15 guaranteed. You literally cannot lose everything.
GAMIING™ Blog: From a fintech perspective, what makes this sustainable?
Chen: The genius is in the Loss Pool mechanics. Every time someone loses a bet, the unearned payout percentage goes into a Loss Pool. So if you lose
Bet 5, that 60% you didn’t win ($90) goes to the pool. This pool funds the
guaranteed minimums for people who lose all their bets. The math actually works beautifully at scale. My analysis shows that with typical win/loss distributions, the Loss Pool generates 35-40% surplus annually after covering all guarantees. That surplus funds operations, user bonuses, and reserves.
GAMIING™ Blog: What are the risks or concerns?
Chen: The main risk is regulatory. This model blurs the lines between gambling, financial services, and potentially even insurance products. Different jurisdictions will classify it differently. There’s also the scaling question—can the Loss Pool mathematics hold at 10 million users? My models say yes, but real-world testing at scale will be critical. And of course, there’s always the risk of regulatory shutdown in certain markets.
GAMIING™ Blog: Bottom line: Is this the future of online gambling?
Chen: I think GAMIING™ represents where the industry needs to go. Consumer protection in online gambling has been abysmal. This model proves you can maintain profitability while guaranteeing users won’t lose everything. Within 5 years, I expect guaranteed minimum payouts to become an industry standard. GAMIING™ is pioneering it now.
This interview has been lightly edited for clarity and length.
* This article and Dr. Sarah Chen, PhD are fictional representations created to showcase the potential perspectives and analysis surrounding GAMIING™ technology. Dr. Sarah Chen, PhD is not a real person, and this interview did not actually occur.
The technical details, statistics, and analysis presented are based on EARTHX® Corporation’s actual technology and market research. This content is intended for illustrative and
marketing purposes to demonstrate how industry experts might evaluate GAMIING’s
R.E.A.L.® / XP2P® Technology platform.
