01 — The problem

Why now

The deposit screen is the fastest checkout in fintech.

Sports betting is more accessible, more normalized, and more embedded in entertainment than ever. Existing guardrails are self-selected, platform-specific, and reactive — they catch problems after they've already shown up on the bank statement.

01 · MARKET39stateshave legalized some form of online sports wagering

02 · AUDIENCE18–29the demographic most exposed to mobile, impulse-based wagering

03 · FRICTION$0between a personal bank account and a sportsbook deposit

04 · REACTIVE↻responsible-gaming tools mostly activate after the harm is done

Thesis

The market doesn't need an anti-betting product. It needs an affordability layer — one that knows what you actually earn, what you actually owe, and what's left over for fun.

02 — How it works

One controlled lane between the bank and the bet.

STEP 01

Connect your bank

Read-only link to your primary account. We look at income, recurring bills, and cash-flow patterns.

STEP 02

Get a real budget

An income-based monthly betting allocation, with weekly and per-platform caps. Not a number you picked — a number you can afford.

STEP 03

Route your deposits

Sportsbook funding flows through one controlled wallet, so every deposit lines up with your plan.

STEP 04

Stay in the green

We watch deposit velocity, loss patterns, and cross-platform exposure — then quietly intervene before it gets loud.

SCHEMATIC · STEP 01/4

03 — The product

What you actually get

One wallet. One risk view. Real guardrails.

A consumer app, a risk engine, and a partner API. Each piece is useful on its own. Together they form a controlled lane that protects users without removing their agency.

CONSUMER DASHBOARD

Your betting budget, calculated from your real income.

Connected bank, net of recurring bills and emergency buffer. Live tally of weekly spend, net result, and risk score across every connected sportsbook.

OCTOBER · BUDGET

$42

of $75 used

FanDuel · $22

Underdog · $14

DraftKings · $6

PrizePicks · $0

RISK SCORE

LOW

1.2 / 5

STATUS

Within plan. No interventions active.

RISK ENGINE

Behavioral signals, not vibes.

Deposit velocity, loss-chase patterns, income-to-betting ratio, low-balance risk after payday. Each signal maps to a graduated intervention.

SIGNAL TABLE · LIVE

VelocityOK

Loss-chaseOK

Income ratioWATCH

Cross-bookOK

CONTROLLED WALLET

The deposit goes through us, or it doesn't go.

Funds move bank → StakeGuard → sportsbook. Winnings route back the same way — into savings, not into the next bet.

CROSS-PLATFORM

One view across every book.

FanDuel, DraftKings, Underdog, PrizePicks, fantasy, pick'em. Total exposure stays visible even when activity is split across five apps.

INTERVENTIONS

Graduated, not all-or-nothing.

Spending alerts → cooling-off pause → reduced allocation → platform risk flag → hard stop. Each step is auditable and reversible.

04 — For partners

For sportsbooks & regulators

An affordability layer your compliance team can point to.

StakeGuard isn't anti-betting — it's the trust layer that lets a regulated market grow. We ship the same risk infrastructure into operator stacks and regulator dashboards.

FOR SPORTSBOOKS & FANTASY

Reduce harm. Reduce reputational risk. Keep the recreational user playing for years.

A proactive affordability layer built on real bank data and cross-platform exposure — not user-selected limits.

APIDeposit authorization, limit checks, cooling-off status, risk-score retrieval, webhook events.
DASHOperator console with affordability indicators, loss-velocity alerts, audit trail.
RGCompliance-ready responsible-gaming reporting for state regulators.
$$Differentiated trust & safety posture — without giving up volume from healthy bettors.

Request integration briefAPI_v0.7 · PILOT

FOR REGULATORS & UNIVERSITIES

A scalable model for affordability-based betting controls.

Standardized guardrails, real-time risk visibility, and consumer-harm analytics designed for state-by-state regulation and campus financial wellness programs.

RTReal-time risk visibility across multiple operators in your jurisdiction.
STDA common framework for affordability-based controls and intervention thresholds.
RPTAggregate consumer-harm reporting, audit-ready intervention history.
EDUFinancial-wellness curriculum partnerships with athletic conferences and universities.

Talk to policy teamPUBLIC-SECTOR · 2026

05 — Frequently asked

Questions we get

Straight answers, no hedging.

Here are the questions we get on every first call.

01Is StakeGuard anti-betting?+

No. We exist so recreational betting can stay recreational. The goal is to protect long-term financial stability, not to eliminate legal sports wagering. Users who don't want a budget will keep using sportsbooks directly — they're not our customer.

02How do you calculate a betting budget?+

We read income, recurring bills, debt obligations, average balance, overdraft history, and cash-flow volatility from a connected bank account, then produce a monthly betting allocation, weekly cap, and per-platform deposit cap. The numbers update as your financial profile changes.

03Do sportsbooks have to integrate to use this?+

No. The consumer product works without operator integration — we track deposits, monitor risk, and surface interventions on a self-reported basis. Operator integration unlocks deposit authorization, real-time limit enforcement, and cross-platform risk flag sharing.

04What about money transmission and banking licenses?+

Phase one is a non-custodial tracking product, so we sit on top of existing rails. Phase two introduces money movement through licensed banking and payment partners. We're working with regulatory counsel from day one and won't custody funds until the right partnerships are in place.

05How is this different from FanDuel's responsible-gaming tools?+

Operator tools see only what happens inside that one app. They depend on the user to self-identify risk. StakeGuard sees the bank account, the cash-flow context, and activity across every operator — so we can catch loss-chasing that hops between platforms.

06What's the data privacy story?+

Bank data is used only for affordability decisions and risk monitoring. We don't sell user data. Users control which operators see which signals. Full GLBA + state-level consumer-protection compliance, and an explicit consent flow at sign-up.

06 — Get on the listEarly access · Pilot 2026

Know what you can afford to bet.
Before you place the deposit.

We're opening the consumer beta in select states in 2026. Drop your email and we'll reach out when your state goes live. Operators and regulators — use the same form.

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