Cooper Hayes is a Sydney iGaming reviewer who has reviewed online casinos since 2019, following a five-year fintech payments career.
For online-casinos.io he read the Terms, sweepstakes rules, FAQ pages and App Store listings of five US sweepstakes casinos on October 29, 2026, logged every conflict he found between them and edited the field test that Alex Carter ran in Colorado.
Payments work came first for me. I spent five years in fintech, where identity checks, anti-money-laundering holds and settlement delays were daily problems, then started reviewing online casinos in 2019. In 2026 I began checking US sweepstakes casinos for online-casinos.io.
That background decides where I look. A cash-out rule tells me more than any welcome banner. The five US casinos I checked differ most right there. Coinz's rules set a 100 SC minimum, one redemption request every 24 hours and up to 10 business days for a bank payment. Acebet's FAQ promises up to 10 business days, while its own sweepstakes rules allow up to 30 days in some cases.
Gaps like that show up only when two documents are read side by side.
I read the Terms, sweepstakes rules, FAQ pages and App Store listings of SpinBlitz, Coinz, Splash Coins, Acebet and Crown Coins on October 29, 2026. For each casino I recorded the operator's name, the minimum age, the excluded states, the cash-out minimum and time frame, the playthrough rule, the coin expiry rule and the ID checks it reserves the right to run.
I did not play this round myself. These casinos serve US players only, and I do not use a VPN, a tool Coinz bans in section 3.11 of its Terms. Alex Carter, our field tester in Denver, Colorado, opened the accounts, bought the coin packs and logged every redemption, and I compared his log with each casino's rules before anything went on the ranking page. Every figure that comes only from third-party reviews carries that label.
The full routine is on how we test casinos, and the two steps that turn the findings into an order are on how we rate casinos.
Five subjects take up most of my notes, and each one rests on a specific record from the October 2026 check.
I compare every casino's excluded states with the laws already passed. SpinBlitz's FAQ, updated October 15, 2026, lists 18 excluded states, Oklahoma included. Crown Coins' Terms name only seven, which leaves out six states where a ban is already in force, New York and New Jersey among them.
I look for a minimum and a time frame in the operator's own documents. Only Coinz and Acebet print both, and Acebet prints two different time frames. Alex's test then showed how long each payout really took, from 2 days and 17 hours at SpinBlitz to 6 days and 19 hours at Coinz.
I read the dormancy clauses that most players skip. Acebet's rules expire unused Sweeps Coins 90 days after they are credited, Splash Coins' Terms expire Virtual Coins after 60 straight days without gameplay, and Coinz carries balances over from one 60-day sweepstakes period to the next.
I check that the company in the Terms matches the company everywhere else. Crown Coins' Terms version 4.1 name Sunflower Limited and Stiarsia Ltd, while its July 24, 2026 blog post names Sunflower Technology Inc. as the operator.
I note what each casino puts in writing about limits and exclusion. Acebet shows a Self Exclude option on acebet.cc, and Alex found a time-out request under Player Safety at SpinBlitz. At Coinz, Splash Coins and Crown Coins, breaks and self-exclusion go through support or a request page.
The same habit shapes what I refuse to publish.
I do not write that I played, deposited or cashed out at a casino unless I funded the account myself. Every purchase and payout in the US ranking is credited to Alex Carter. I do not take editorial direction from affiliate managers, and nothing goes live before the checks in the editorial policy are done.
Affiliate links do appear on this site, and a commission may come in when someone opens an account through one. The affiliate disclosure sets out how that works. The two ranking steps apply to every casino in the same way, so a commission cannot move a casino past them.
Gambling Help Online ran the responsible gambling awareness course I completed in 2021. Before that came five years in fintech payments, and reviewing online casinos has been my main work since 2019.
I follow three areas closely for US readers: state sweepstakes bans, the gap between what a casino advertises and what its Terms allow, and the cash-out rules players actually face. In October 2026 those three areas produced most of the conflicts printed on the ranking page.
I own no stake in any gambling operator and accept no gifts, hospitality or fees from any operator or affiliate program. Affiliate commissions for sign-ups are the only payments in the picture.
Email [email protected] with a correction, a challenge to a specific number or a tip about a rule change. I normally reply to editorial messages within 48 hours.
Disputes with a casino are outside my reach, because I work for this site and not for any operator, and I cannot see any player account. Open a ticket with the casino's own support first, and keep a copy of what you send.
One ranking page is live on this site, with the method and policy pages that support it.
Each page carries the date of its last check, and that date moves only when the check is repeated.
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