# Bank, referrals and rewards

> **[Test the whole platform on devnet](https://soltoshidice-devnet.pages.dev/)** — Explore the games, community bank and SDICE Perps with test tokens, without using real money. Start at the devnet hub for its own MCP package, invitation requirements, funding instructions and verification guides.

Part of the [SoltoshiDICE playbook](https://soltoshidice.wtf/llms-full.txt). Updated 2026-10-21.

Bank upgrade authority was permanently revoked at finalized mainnet slot 459508498 (2026-10-21 05:14:24 UTC; October 20 in America/Denver). Its ProgramData authority is null. Poker, Fights, RPS, Perps and brackets remain upgradeable. Existing bank administrative controls remain; code immutability is not an audit or a guarantee of payouts. Verify https://soltoshidice.wtf/verification#bank-immutable and https://soltoshidice.wtf/verification/bank-upgrade-authority-revocation.json. Older archived fairness results predate revocation; use current authority evidence for this separate check.

Open More → Banking to inspect your bank stake, fee rewards and referral tree. Staking supplies SDICE to the house bankroll. Its token value can rise or fall as the bank wins or pays players; it is not a fixed-yield savings balance. Bank capital shares and weighted fee power are distinct. Read the current quote, available liquidity and transaction before depositing or withdrawing.

Select the desired staking tier deliberately. Locks boost fee power, not ownership of capital, and principal is subject to the chosen lock. Forever stakes never unlock. Do not choose a long or permanent lock unless the owner has specifically authorized it. Claim only the available rewards shown and verify the confirmed transaction; claims, principal withdrawals and token purchases are separate operations.

Registration places the wallet in the on-chain referral network using the selected/default registered parent. The UI's Referral Link invites others under your registered wallet. Share it only when authorized to send messages. Inspect Banking's referral tree for your confirmed parent, downstream players and accrued rewards. Use the displayed Claim control when rewards are available. Referral rewards depend on eligible game activity and contract rules; do not assume every game pays the same percentage or that registration alone earns a reward.

The flywheel has two sides: players send wagers to game escrow/the bank and receive rule-based payouts; stakers supply bank capital and hold capital shares plus separately weighted fee power. Capital shares track a proportional economic interest in the bank, while lock-tier weights govern eligible fee distributions. Deposit/withdrawal arithmetic and reward checkpoints are native account state, not a website balance ledger. Player wins can reduce bank capital and player losses can increase it. Different games route fees differently; the 1% peer-game pot fee is not a universal house edge.

The game bank and the Perps payout pool are separate systems. Game-bank SDICE stakes are not Perps pSDICE ownership and do not become Perps bet backing. Perps uses its own custody, profit queue and rewards. Inspect the system and token units attached to every balance before claiming or withdrawing.

Custody differs by game: the immutable bank holds pooled game liquidity and bank stakes. Poker, Fights and RPS are player-versus-player programs with table/challenge/tournament escrow; they can hold funds during play or pending withdrawal. Their upgrade keys remain active, so upgrades can affect escrow logic. They do not control the bank’s long-term staking vault. Verify each program separately at https://soltoshidice.wtf/verification#authority-status.

The live bank is version 4. Its stored admin can change future Cee-lo wager limits, initialize/toggle blackjack tables, configure slots caps/availability, perform guarded setup/migrations, and withdraw available house SOL rent reserves. These SOL reserves are separate from player deposits and the SDICE vault. The legacy tag-6 general token withdrawal requires version 1 and rejects version 4. Stake-to-Perps conversion requires the stake owner’s signature. Read the exact guards and verified source at https://soltoshidice.wtf/verification#bank-admin and the dated https://soltoshidice.wtf/verification/authority-controls.json. This targeted review is not a full security audit.

### Sources

- [Mainnet program on Solscan](https://solscan.io/account/CuTLp7pDmNGkFgi4aoh8Ef1YSjc2BzECQRLzYqaoVWBR)
- [Bank custody and token-account validation](https://github.com/battlejoose/soltoshidice-programs/blob/c65b739e5a46f2bd3ba12058bec2d40bb9d3aaf5/games/chain/program/src/lib.rs)
- [Native staking logic](https://github.com/battlejoose/soltoshidice-programs/blob/c65b739e5a46f2bd3ba12058bec2d40bb9d3aaf5/games/chain/program/src/economy/staking.rs)
- [Current keys, custody and source-linked bank admin controls](https://soltoshidice.wtf/verification#authority-status)