MSZN's operator payout-speed score runs 0-100. Three components weighted:
- Cash-out median minutes × 0.55 — normalised so 9-minute GCash = 55 points, 40-minute = 12 points.
- KYC first-pass minutes × 0.25 — 3-minute = 25 points, 15-minute = 5 points.
- First-payout certification × 0.20 — binary 20 or 0.
Worked example: partner operator (#1)
9-min GCash (55) + 3-min KYC (25) + cert (20) × 0.9 adjustment = 97/100. The 0.9 multiplier accounts for slot-vs-bingo distribution — all MSZN leaderboard scores run through a final 0.9× normaliser so bingo-heavy operators and slot-heavy operators are comparable.
Worked example: Operator India (#10)
48-min GCash (6.6) + 11-min KYC (11.3) + no cert (0) × 0.9 = 63/100. A 34-minute gap in payout timing alone is enough to move a score from the certified band (90+) to the bottom quartile (< 70).
Why weight GCash so heavily
GCash is 48% of all Filipino-player cash-outs on MSZN's sample. Maya is 21%, GrabPay 11%, Coins.ph 7%, InstaPay 6%, BDO 4%, BPI 2%. Weighting the primary rail high in the score reflects Filipino-player actual behaviour.