Where PAT comes from, and where it goes

💬 Hang out

Chatting in a room enters you in Pepe's automatic raffles, and whoever spends the most time on mic each hour gets a top-mic reward. Chat messages and mic time also earn XP.

⬆️ Level up

1 XP per chat message, 1 XP per second on mic. Every new level pays 25,000 PAT, and every 5th level is a milestone: a bonus of 250,000 PAT × (level ÷ 5) — 250k at level 5, 500k at 10, 1.25M at 25, 2.5M at 50 — plus a level cosmetic for your profile or GTF avatar (prestige borders every 10 levels past 50). You also get a stat point every 10 levels for your heist character. Paid from the incentive budget: if this week's level-up budget is used up, your reward waits in line and lands as soon as it refills.

🏅 Achievements

100 achievements for chatting, mic time, games, heists and more. Each one is a pixel badge on your profile, plus XP and a PAT bonus.

🎲 Play

Spin the wheel, win at the tables, win trivia, crack a vault, collect on a good bet. Getting tipped counts too: anyone can send you PAT with !tip.

🏛️ The Federal Reserve

The central bank, in charge of monetary policy, and the only place new PAT is made: every mint follows a written rule and is on the public record. It keeps itself between a floor and a ceiling (the Fed band): below the floor it mints back up, a little each day; above the ceiling the excess is burned. It never pays a wallet. Its job is to keep the protocol stocked with PAT: it tops the incentive budget up every Monday, lends the House, the Bank and the Market maker the gap the moment one runs short (flash liquidity), and can grant PAT to a pool. It collects fines, the bounty fee and the shop fee, plus half of the protocol's weekly profit while it's below its ceiling. Nobody robs it: the bank heist cracks Fort Knox. !reserve shows its balance.

🎁 The incentive budget

Pays every reward in the game: welcome PAT, level-ups, achievements, room games, pad royalties, launch grants and the heist vaults' floors. Each kind has a weekly allowance, and the Fed guarantees the weekly total (22.5M PAT). Rewards are never printed straight into wallets. More below.

🎰 The House (casino jackpot)

The casino's bankroll. Wheel spins, losing bets, rake, the bingo cut, the wager fee and 60% of every lotto ticket go in; it pays the wheel, blackjack wins and the fixed lotto prizes. If a big win ever runs it short, the Fed lends it the gap on the spot. Its profit is settled every Monday. !jackpot (or !vault) shows what's in it.

🎟️ The Lotto pot

A separate rolling jackpot fed by 40% of every lotto ticket. Only a lotto jackpot win is paid from it, so a big lotto winner never drains the House. Capped at 100M.

🏦 The Bank & 📈 Market maker

Two working vaults: the Bank lends PAT to players through Reserve loans and keeps the interest, and the Market maker puts up the starting PAT for every prediction market and keeps its trading fees. Together with the House they're the capital vaults you can stake in, and the Fed backs all three with flash liquidity.

🥷 Fort Knox & the Casino vault

The heist vaults. Fort Knox (the bank job) collects half of what's spent in rooms, Prime Time, Season Passes, sticker packs and bank and store heist buy-ins; the Casino vault collects casino heist buy-ins. The incentive budget keeps each at 2M or more, and above its cap (13.5M and 9M, 60% and 40% of the weekly budget) the extra flows back to the incentive budget. Heists pay out of them like a dividend, and the admins can switch that faucet on and off.

🧭 The routing table

Every fee in the game has a row in one table that says where it goes. A fee goes to whoever put up the PAT for the activity: casino play and the wager fee to the House, market and pool fees to the Market maker, loan interest to the Bank. Fines, the bounty fee and the shop fee go to the Federal Reserve, and spending in a room is split between Fort Knox and that pad's vault. The admins tune the splits.

🚀 Boosts & stage slots

The front page shows the liveliest pad: you can't buy it. Anyone can boost a pad with PAT to push it up the ranking (boosts fade by half every hour and only count while the pad is active). Stage slots are free unless the pad's owner sets a price. Boosts and slot fees go half to that pad's vault and half to Fort Knox; each pad vault pays the pad's owner, its streamers and its regulars a little every day through the payout recipe. An owner paying in their own pad sends it all to Fort Knox. Boost from the 🚀 button on a pad's page, or type !boost 5000 in its chat room.

✨ Pad cosmetics (frames, name glows, badges, an animated avatar) take the same route: a pad's owner buying for their own pad sends 100% to Fort Knox; a gift from anyone else goes half to Fort Knox, half to that pad's vault.

🔒 Escrow

When you stake PAT on something that takes days (a wager, a market, a loan, a bounty, a bingo card) it leaves your wallet straight away and is held in escrow. Every step is recorded, so if Pepe restarts mid-game your PAT is either paid out or refunded: never lost, never paid twice.

📅 The weekly settlement

Every Monday at 04:00 UTC the House, the Bank and the Market maker each keep a target bankroll (House 15M, Bank 2M or twice its busiest lending, Market maker 1M or 1.5× its market seeds). The protocol's profit above that target is the surplus, and it is split in this order:

• first it repays anything that vault borrowed from the Federal Reserve;
• 20% to stakers in that vault, pro rata, capped at 25% APR on what they staked (anything over the cap rejoins the rest);
• the rest: while the Federal Reserve is below its ceiling, half to the Reserve and half to the incentive budget; once it's at the ceiling, all of it to the incentive budget.

🛟 The weekly guarantee

Right after the settlement, the Federal Reserve tops the incentive budget up to the week's target: 22.5M PAT. A quiet week at the casino never means smaller rewards, and a busy one refills the Reserve instead of piling up in the budget.

SOON The target will grow and shrink with how many real, verified people are active, so rewards follow the people who show up. Activity checks keep alts and spam out of the count.

🧮 What the budget pays

• Heist vault floors. Fort Knox and the Casino vault are topped back up to 2M each day, so heists always have something to rob. Above their caps (13.5M and 9M, 60% and 40% of the weekly budget) the extra flows back here.
• Rewards. Welcome PAT, level-ups, achievements, connect bonuses, codes and platform rewards, and pad owner royalties until room payouts replace them, each within its weekly allowance. Rewards over it wait in line.
• Room games. The chat raffle, top mic of the hour, pictionary and !beg, paced through the week (at most 1/7 of the allowance a day). A prize over the allowance is skipped. Once room payouts are on, a room with a vault pays its games from its own vault's daily slice instead.
• Turf Wars: the turf income and the season prize of the current season.
• Launch grants that seed the vaults of new pads, as they build a following.
• SOON Activity rewards for people who chat and get on the mic, and pad top-ups that match what each pad vault pays out.

📊 This week

• Incentive budget: 59,835,583 PAT
• From this week's settlement: 6,620,757 PAT (about 945,822 a day)
• Welcome PAT: 1,350,000 of 1,500,000 left
• Level-ups: 59,835,583 of 0 left
• Achievements: 59,835,583 of 0 left
• Connect bonuses, codes, platform rewards: 109,413 of 350,000 left
• Pad owner royalties: 219,034 of 300,000 left
• Room games (raffle, top mic, pictionary, !beg): 1,768,753 of 3,500,000 left
• Turf income: 39,379 of 500,000 left
• Turf season prize: 3,000,000 of 3,000,000 left
• Launch grants for new pads: 1,000,000 of 1,000,000 left
• Activity rewards: 4,266,203 of 12,350,000 left

🔥 Total burned

…

Last 7 days

…

Last 30 days

…

🏦 Bank

Lends the PAT for Reserve loans to players (!loan reserve). Earns their interest and late penalties, plus the protocol's 10% cut of interest on loans between players.

Risk: borrowers who don't pay. A loan 30 days late is a default: the protocol's own profit in the Bank absorbs it first, and if that isn't enough the Federal Reserve lends the Bank the rest. The Bank keeps the claim on the borrower, and stakers' share price is untouched unless a default is bigger than all of that.

🎰 House

This is the casino bankroll: the jackpot that pays out wins. Earns the house edge: losing blackjack bets, hold'em rake, wheel spins, the lotto's margin, the bingo house cut and the 5% wager fee.

Risk: big wins, like a wheel jackpot or a blackjack streak. If a payout ever runs it short, the Federal Reserve lends it the gap on the spot (flash liquidity). Casino heists don't touch it: they rob the separate Casino vault, which the incentive budget keeps topped up. Still the most up-and-down vault.

📈 Market maker

Puts up the starting PAT (the "seed") for every new prediction market, then takes that market's 2% trading fees and whatever's left when it settles. The fee on betting pools goes to it too.

Risk: a market can lose at most its seed.

Its value counts each open market at what it expects back when it settles (the pot minus the winning shares, weighted by the market's own odds), not at the seed, so a one-sided market shows its coming loss straight away instead of at settlement.

🤖 Auto DEFAULT

A fund that holds all three for you, inside admin limits: at least 40% Bank, at most 35% House, at most 25% Market maker. Every day it leans toward whichever vault has done best over the last 30 days for the risk it took.

🕛 The daily cut-off

Stake and unstake requests don't happen instantly. They queue up and all run once a day (around midnight ET) at that day's price. That way nobody can jump in just before a lotto draw and jump out right after.

💸 Getting your PAT out

A withdrawal needs free PAT in that vault: the Bank's PAT may be lent out, and the House always keeps a minimum float to pay winners. If there isn't enough, your request waits in the queue and fills as PAT frees up.

📏 Limits

• Stakers can own at most 50% of any vault, so the protocol always keeps skin in the game.
• The weekly settlement: every Monday a vault's profit above its target size (the House: 15M; the Bank: 2M or twice its busiest lending; the Market maker: 1M or 1.5× its market seeds) is shared out. It first repays any Fed loan, then stakers get 20%, and the rest goes half to the Federal Reserve (while it's below its ceiling) and half to the incentive budget. Stakers' shares are never touched.
• Ceiling: stakers' share of a week is capped at 25% a year ⚙; anything above it rejoins the rest of the surplus.

🎡 Wheel of Misfortune

5,000 PAT a spin, on the site or in chat. Where it stops is what you win. The thin gold slice is the jackpot: it hits about 1 in 3,000 spins and pays a share of the House, the casino jackpot (up to 5M).

The gold wheel on your profile allows 100 spins a day plus 25 per level (level 10: 350), resetting at midnight UTC. +100 Daily Gold Spins in the shop adds 100 a day for good: 3M PAT for your first, +1M for each one you already own (3M, 4M, 5M…), and that PAT goes to the House too.

🂡 Blackjack

Pepe deals from a 6-deck shoe, shuffled fresh and provably fair every round. Blackjack pays 3:2, dealer hits soft 17. Double, split (up to 4 hands), insurance. Bets 100 to 10,000 PAT, up to 6 players.

🂠 Texas Hold'em

No-limit hold'em in chat. Chips are PAT 1:1: buy in to sit (20 to 200 big blinds), swap your chips back to PAT any time. Your hole cards come by private message. Up to 9 players. Can't run alongside a blackjack table.

🎟️ PAT Lottery

Powerball-style, drawn every Sunday at 9pm ET, ball by ball on stream. Pick 4 numbers from 1–30 plus a Pepe Ball from 1–10, or let Pepe pick. 1,000 PAT a ticket, no limit. All 4 + Pepe Ball wins the jackpot (1 in 274,050); smaller prizes from 1k to 500k, and about 1 in 6 tickets wins something. Results are on /lotto.

🔢 Bingo

75-ball bingo on the stream overlay. Cards are 2,500 PAT (up to 4), sent by PM. Type !bingo the moment you have a line; Pepe checks it for you. First line wins 30% of the prize pool, first full card wins the rest. A wrong call costs 1,000 PAT and a 60s sit-out.

🧠 Trivia

Everyone pays the buy-in (default 1,000 PAT) into one pot and the winner takes it all. Pick a topic if you like.

💲 Showdown

Price-is-Right style: guess Pepe's secret number (1–10,000). 10,000 PAT buy-in, closest without going over takes the pot, and nailing it exactly pays a bonus.

⚔️ Duels, brawls & the Arena

Dice duels (100 to 50,000 PAT), 1v1 brawls using your heist character's stats, and the Arena: a battle royale where the last fighter standing takes the pot.

🎨 Pictionary

Pepe draws live on stream, you guess in chat. Free to play; the first right guess each round wins PAT.

🤝 1-on-1 wagers

Challenge one person. Your stake is held right away; they have 10 minutes to accept and match it. The judge (anyone but the two of you) picks the winner, or voids it to refund both. Min 1,000 PAT. If the judge doesn't settle by the deadline (default 7 days, max 30), both get their PAT back.

👥 Betting pools NEW

A bet the whole room can get in on. Make a question (yes/no, or your own options), name a judge, and everyone backs the side they like with as much as they want. When the judge calls it, the winners split the losing side's pool in proportion to what they put in, so a correct bet never comes back smaller than it went in. This is the classic racetrack (parimutuel) model.

📊 How it works

• Buying pushes an answer's price up, selling pushes it down.
• Sell any time while trading's open: lock in a profit or cut a loss before the result.
• Yes/no by default, or 2–6 answers. Trading closes at the set time (default 1 day, max 30).
• The judge can't trade. A void needs a reason, and trading fees are not refunded: the Market maker takes back its seed first, then holders split what's left, up to what they put in. (Pools and wagers are different: a void there refunds every stake in full.)

⌨️ Commands

Your positions on /markets show your entry price, today's price and your profit or loss, with a price chart.

🏛️ Who pays the winners?

An automated market maker (LMSR, the maths behind many prediction sites) is always there to trade with you. The Market maker vault seeds each market's starting liquidity, and the pot can always cover every winning share. Whatever's left over when it settles goes back to the Market maker.

1. Name him

Use judge @pepe when you create it. Works best for questions with a clear, checkable answer.

2. He proposes

When it's time, Pepe proposes a result and posts his reasoning so everyone can see why.

3. Dispute window

Players then get a dispute window (default 1 hour) to object if they think he got it wrong:

4. Pay out or escalate

Enough disputes and it goes to an admin to decide. Otherwise it pays out automatically when the window closes.

Put PAT up for someone to do something. Others can chip in to grow the pot. Hunters claim it ("I did it"), and the poster pays whoever pulled it off; several hunters split it evenly. You can't claim your own bounty.

🌐 On the site

See every bounty on /bounties, chip in, claim one with a note, and (if you posted it) pay the hunters or cancel.

🤝 Person to person

Lend PAT with interest (a flat rate for the term, max 50%). The amount is held from you right away; they have 10 minutes to accept. Borrowers can repay early, in part or in full.

When it's due, Pepe collects automatically: whatever they have, then the rest as PAT comes in. Anything still owed grows 2% a day (capped at +50% of the loan) and the borrower carries a public LATE mark until square.

🏛️ Federal Reserve loans NEW

Borrow at the Reserve's rate, with the PAT lent out of the Bank vault. Within your limit it's approved instantly; your limit grows with your level and a clean repayment record. Want more? Ask the admins, who can also grant loans themselves.

🔐 Stashes

Personal vaults. Park PAT outside your wallet and share it with accounts you trust: anyone you grant can deposit and withdraw. Up to 3 stashes, 10 members each. Closing one pays what's left to the owner.

📈 Staking: capital vaults NEW

Stake PAT from a stash into a capital vault: the 🏦 Bank (lends PAT, insured), the 🎰 House (the casino bankroll, most volatile), the 📈 Market maker (seeds prediction markets), or 🤖 Auto (the default, a mix of all three). You buy shares; as the vault earns, the share price rises and your earnings compound inside it. If the vault takes a loss, the price drops.

Requests run once a day at the cut-off (around midnight ET) at that day's price, and unstaking pays out once the vault has free PAT. Your stake goes back into the same stash.

👛 Your wallet & the vaults

See your stashes, stakes (value and profit or loss) and loans in one place on /wallet. /staking is the live vault dashboard: share prices, APR, revenue by source and your positions.

🥷 Heists

Crew up and survive rounds of dice rolls to bank loot; bail out or go for the vault door. The store is always open; the casino job robs the Casino vault (its own pot, refilled by casino heist buy-ins) and the bank job cracks Fort Knox (half of everything spent in rooms flows into it). The incentive budget keeps both at 2M or more.

🗺️ Turf Wars

Gangs fight over the districts on this season's map (the map changes every season). Each district runs a business that earns its owner PAT every day. Claim, raid, defend, and climb the season score.

🎩 Gangs

A gang shares a treasury, wages and heat. Take turf together, defend it together, split what it earns.

Free, no PAT involved. One vote per person, in the room or on the site. Every poll gets a live results page; see them all on /polls.

Once a chat account is linked to your PATV account (Settings → Account → Connections; for Camfrog, type !verify with the code in a room), you can do most of this right here:

• create and trade markets, join pools and wagers
• post, fund and claim bounties
• vote in and start polls
• buy lotto tickets
• manage your stashes and loans on /wallet
• watch the vaults and your stakes on /staking

It's the same balance and the same rules as in the room; Pepe places your orders through the normal checks.