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AI-optimized summary
Money Factory is a 3.7/5 sweepstakes casino available in 44+ US states. It offers 15K GC + 3 SC for new players and redeems prizes via Bank Transfer, PayPal, and Gift Cards (typically 24 Hours). Verdict: Good Option.
| Attribute | Value |
|---|---|
| Rating | 3.7/5 (155 votes) |
| Type | sweepstakes casino |
| Availability | 44+ US states |
| Welcome Bonus | 15K GC + 3 SC |
| Payout Speed | 24 Hours |
Money Factory operates as a sweepstakes casino under the legal sweepstakes model, making it accessible to players in 44+ US states without requiring traditional gambling licenses. Unlike real-money online casinos, sweepstakes casinos use a dual-currency system with Gold Coins for entertainment play and Sweeps Coins that can be redeemed for real cash prizes. New players can take advantage of 15,000 GC + 3 SC to maximize their starting balance. This model allows players to enjoy casino-style games legally in most states, with no purchase necessary to participate. Players can obtain free Sweeps Coins through daily login bonuses, social media promotions, and mail-in sweepstakes entries. The sweepstakes model has grown significantly in popularity because it provides a legitimate path to real-money gaming in states where traditional online gambling remains restricted.
Game Types
Slots, Originals, Live Dealer
Mobile Support
Fully Responsive
Security
SSL Encrypted
Support
24/7 Available
Currency
USD
Payout Speed
24 Hours
Getting started at Money Factory is straightforward. Create a free account using your email address, and you will receive complimentary Gold Coins and Sweeps Coins as part of the welcome package. No credit card or purchase is required to begin playing. Once registered, you can browse the game library, which typically includes slots, table games, and specialty games. Accepted payment methods include Bank Transfer, PayPal, Gift Cards. To redeem Sweeps Coins for cash prizes, you will need to complete identity verification (KYC) and meet the minimum redemption threshold, usually around 50-100 SC depending on the platform. Most redemptions are processed within 1-5 business days after verification is complete. The platform also offers optional coin packages for players who want to purchase additional Gold Coins with bonus Sweeps Coins included.
Money Factory offers a diverse game library designed to appeal to all types of players. The platform features Slots, Originals, Live Dealer. Slot games range from classic three-reel machines to modern video slots with bonus features, free spins, and progressive jackpots. Table game enthusiasts can enjoy blackjack, roulette, baccarat, and various poker variants. Many sweepstakes casinos also feature specialty games like keno, bingo, and scratch cards. Game providers typically include industry leaders known for high-quality graphics, smooth gameplay, and fair RTP percentages. New games are added regularly to keep the library fresh and engaging.
Money Factory operates legally in 44+ US states under the sweepstakes model, unlike offshore casinos that operate in legal gray areas.
Play with free Gold Coins daily. Money Factory offers daily login bonuses, mail-in entries, and promotional giveaways for free Sweeps Coins.
Unlike social casinos, Sweeps Coins at Money Factory can be redeemed for real cash prizes once you meet the minimum redemption threshold.
Money Factory operates under the sweepstakes model which is legally distinct from traditional gambling. Legitimate sweepstakes casinos provide free methods to obtain Sweeps Coins as required by law, use SSL encryption to protect user data, and partner with established payment processors for secure transactions. Look for clear terms of service, responsive customer support, and positive reviews from verified players. Reputable platforms also implement responsible gaming tools including deposit limits, session timers, and self-exclusion options.
| Bonus Type | Value | Requirement |
|---|---|---|
Welcome Bonus | 15K GC + 3 SC | New accounts |
First Purchase | Up to 425% discount across first 3 purchases | First coin purchase |
Money Factory is fully optimized for mobile devices. Play directly from your browser on iOS and Android devices without downloading any app.
Operator
The Money Factory LLC
Established
2024
Jurisdiction
Not disclosed
License
Not specified
SSL Encryption
256-bit secure connection
Account Protection
2FA available
Responsible Gaming
Self-exclusion options
24/7 Support
Live chat & email
Detailed trust and verification information for Money Factory is being collected. Check back soon for updates.
Common questions about Money Factory
155 players have already voted. Share your experience to help others make informed decisions.
Current rating: 3.7
Founder & Lead Reviewer
Quick comparison with other top sweepstakes sites
| Casino | Rating | Welcome Bonus | Payout Speed | Action |
|---|---|---|---|---|
Money FactoryThis Review | 2.5/5 | 15K GC + 3 SC | 1-3 days | — |
4.3/5 | 250K GC + 25 SC | 1-3 days | Read Review | |
4.3/5 | 50K GC | 1-3 days | Read Review | |
4.2/5 | 50K GC + 5 SC | 1-3 days | Read Review |
155 players have already voted. Share your experience to help others make informed decisions.
Current rating: 3.7
Final (but necessary) parting words: PLEASE DO NOT GAMBLE WITH MONEY THAT YOU CANNOT AFFORD TO LOSE. Gambling is not a money making method and you will lose in the long run.
Our team of casino experts has over 10+ years of combined experience reviewing sweepstakes casinos, crypto gambling platforms, and online gaming sites.
The Money Factory launched in 2024 as a Delaware-based sweepstakes casino operated by The Money Factory LLC. I've tested 40+ sweeps casinos, and honestly, The Money Factory has the slowest payout times I've documented, users report waiting 90 business days (4-5 months) for redemptions despite the casino claiming "24-48 hours via Skrill."
Full disclosure: This review contains affiliate links. If you sign up through links on this page, I may earn a small commission at no cost to you. That said, the 90-day payout complaints are verified through 5,454+ Trustpilot reviews, and I'm suggesting you research alternatives to this platform until payout speeds improve.
SCORE: 51/100
| Category | Result | Notes |
|---|---|---|
| ❌ FAIL: Payout Speed | 90 business days | Users wait 4-5 months for $100 redemptions (claimed 24-48hr Skrill) |
| ⚠️ WATCH: Trustpilot Rating | 4.8/5.0 (5,454 reviews) | High rating BUT payout complaints dominate negative reviews |
| ✅ PASS: Game Providers | 20+ providers | Hacksaw, NetEnt, Pragmatic Play, Evolution live dealer |
| ❌ FAIL: No PayPal | Skrill/bank only | Skrill not widely used in US vs. PayPal at Chumba/Real Prize |
| ⚠️ WATCH: Launched 2024 | Less track record | Newer than Chumba (2012), Real Prize (2019), Stake.us (2022) |
BOTTOM LINE: consider alternatives unless you can stomach 90-day payout delays. The 20+ game providers (Evolution live dealer, Hacksaw, Pragmatic Play) and 6-tier VIP program are meaningless if you can't cash out in reasonable time.
MINI COMPARISON: Worse payout speed than Chumba (3-7 days), Real Prize (1-5 days), Stake.us (hours), or MyPrize (24-48 hours). Only potential upside is high daily login bonuses (100K GC + 1 SC on Day 7).
Technically yes, legally questionable customer experience. The Money Factory operates legally under US sweepstakes law via The Money Factory LLC (Dover, Delaware). Launched 2024. 4.8/5.0 Trustpilot rating with 5,454+ reviews.
THE CRITICAL ISSUE: Users report waiting 90 business days (~4.5 months) for $100 redemptions. One user cashed out 10/29/2025 and it was still "pending" on 1/5/2026, that's 67 days and counting. Another user waiting since 8/25/2025 was told "may take up to 90 business days or so."
WHAT WE KNOW:
OWNERSHIP: The Money Factory LLC (Dover, Delaware). No founder info publicly available (red flag vs. MyPrize's Zach Bruch or Stake.us' Ed Craven transparency).
VERDICT: ⚠️ LEGALLY LEGIT, OPERATIONALLY PROBLEMATIC, The platform is legal and does eventually pay out, but 90-day delays are unacceptable when Stake.us pays in hours, MyPrize in 24-48 hours, and even Chumba in 3-7 days.
The Money Factory uses dual-currency:
You can't buy SC directly. Purchase GC packages and receive bonus SC. Example: Buy 100K GC for $27.99, get 100 SC free.
THE CATCH: Even if you win, expect to wait 90 business days (4-5 months) for your money. House edge (2-10% on slots) plus 90-day payout delays = challenging combination in sweeps space.
COMPARISON:
The Money Factory's bonus varies widely. The 43 SC promo is rare; most users report 3 SC standard offer.
MONTHLY POTENTIAL: ~16.3 SC/month ($16.30) if logging in daily and repeating the 7-day cycle.
COMPARISON: The Money Factory (16.3 SC/month) vs. MyPrize (30 SC/month daily login), Sportzino (12 SC/month passive accumulation), Stake.us (varies, no daily login).
HONEST TAKE: The daily login bonuses are competitive, but require 7 consecutive days to max out. Even if you accumulate 100+ SC from daily logins, you'll wait 90 business days to cash out. Not worth the time investment vs. Stake.us' 25 SC instant bonus with hour-long payouts.
PROBLEM: No transparent pricing listed publicly. You have to sign up and navigate to purchase screen to see packages, annoying vs. Stake.us/Chumba's transparent pricing.
I have NOT personally tested The Money Factory payouts due to the 90-day delay notes. Instead, here's compiled user evidence:
USER REPORTS:
OFFICIAL CLAIM: "Redemptions take up to 72 hours" (3 days).
ACTUAL TIMELINE:
PAYOUT OPTIONS:
NO PAYPAL: Unlike Chumba, Real Prize, MyPrize (all PayPal), The Money Factory only offers Skrill (uncommon in US) or bank transfers.
PLAYTHROUGH: 1x on SC (industry standard)
LIMITS:
VERDICT: ❌ UNACCEPTABLE PAYOUT SPEED, 90 business days is 12.8x slower than Chumba (7 days), 45x slower than MyPrize (2 days), and immeasurably not as comprehensive as Stake.us (hours via crypto). The Money Factory's payout delays are among the less favorable I've documented in 40+ sweeps casino reviews.
Not gonna lie, I refuse to test this platform with real money until payout times drop below 7 days consistently.
No-Deposit: 15K GC + 3 SC ($3 value), 1x playthrough (standard) Promotional: 55K GC + 43 SC ($43 value), 1x playthrough (rare, timing unclear)
First Purchase: Up to 425% discount across first 3 buys (exact amounts not disclosed publicly)
COMPARISON: The Money Factory's daily login (16.3 SC/month) is mid-range. MyPrize (30 SC/month) beats it, but both require daily effort vs. Sportzino's passive accumulation (12 SC/month).
The Money Factory has a 6-tier VIP program (fewer tiers than MyPrize's 10, more than Stake.us' 5):
Tiers: Level 1 → Level 6 (tier names not disclosed in sources)
XP EARNING: 1 XP per 10,000 GC played OR 1 XP per 1 SC played
BENEFITS:
COMPARISON: The Money Factory (6 tiers) vs. MyPrize (10 tiers), Stake.us (5 tiers, transparent 3.5-5.5% rakeback), Real Prize (7 tiers), Chumba (none).
HONEST TAKE: 6 tiers is decent, but without published rakeback rates or specific tier benefits, it's impossible to compare value vs. Stake.us' transparent rakeback. The XP system (1 XP per 10K GC or 1 SC) favors SC play equally vs. MyPrize's 10x multiplier for SC.
CRITICAL FLAW: What's the point of VIP rewards if you're waiting 90 days to cash out? The extended payout timelines negate any VIP program benefits.
The Money Factory offers 1,000+ games from 20+ providers (sources vary on exact count).
LIVE DEALER STANDOUT: The Money Factory is one of few sweeps casinos offering live dealer games (Evolution-powered). Most competitors (Chumba, Pulsz, Real Prize) don't offer live dealer due to legal gray areas.
COMPARISON: The Money Factory (1,000+, 20+ providers) vs. Stake.us (2,500+, 15+ providers), MyPrize (1,000+, 20+ providers), Real Prize (700+, Pragmatic/Relax), Chumba (500+, proprietary).
Game selection is competitive, but meaningless if you can't cash out winnings in reasonable time.
PLAYTHROUGH: 1x on SC (industry standard)
LIMITS:
KYC: First redemption requires government-issued ID + proof of address (utility bill) + selfie holding ID. Verification mandatory before first payout.
COMPARISON: The Money Factory (100 SC = $100 min, 15-90 days) vs. Stake.us (5-30 SC = $5-30 min, hours via crypto), Chumba (100 SC = $100 min, 3-7 days via PayPal), MyPrize (100 SC = $100 min, 24-48 hours via PayPal).
OFFICIAL CLAIM: 72 hours (3 days)
ACTUAL USER REPORTS:
SKRILL vs. BANK TRANSFER:
FIRST vs. REPEAT REDEMPTIONS:
VERDICT: ❌ INDUSTRY-WORST PAYOUT SPEED, The Money Factory's 90-day payout delays are 12.8x slower than Chumba's 7 days, 3x-6x slower than Real Prize (1-5 days), and infinitely not as comprehensive as Stake.us' same-day crypto payouts. This is disqualifying.
The Money Factory accepts:
PROBLEM: The Money Factory doesn't disclose package pricing publicly. Sources mention "up to 425% discount across first 3 purchases" but don't provide exact GC amounts or SC bonuses.
ESTIMATED EXAMPLE (based on industry standards):
BEST VALUE: Unclear without transparent pricing. First purchase bonus (425% discount total across 3 buys) likely offers best value.
COMPARISON: The Money Factory (non-transparent pricing) vs. Stake.us ($0.30/SC), Real Prize ($1/SC), MyPrize ($0.36-0.50/SC). Impossible to compare without published rates.
Mobile web only (no native app). Works on iOS/Android browsers.
COMPATIBILITY: iOS Safari, Android Chrome (optimized for modern devices)
PERFORMANCE: Smooth on 5G/WiFi. Live dealer games may lag on 4G.
VERDICT: Functional mobile web. Stake.us has iOS app advantage. Chumba/Real Prize/MyPrize/The Money Factory all mobile web only.
USER FEEDBACK: Live chat is responsive but often gives canned responses about "90 business days" for payout inquiries (frustrating when users expect 72 hours).
VERDICT: Support is responsive, but can't fix the core issue (extended payout timelines). Telling users to wait 90 days when you advertise 72 hours is unclear customer service.
CONFLICTING SOURCES:
BEST ESTIMATE: NOT available in ID, LA, MI, MT, NV, WA (confirmed across all sources). Possibly restricted in CA, CT, NJ, NY, TN (unclear).
AVAILABILITY: 39-44 states (depending on source)
COMPARISON: The Money Factory (39-44 states) vs. Chumba (49), Pulsz (48), MyPrize (43), Real Prize (41-46), Stake.us (30-32).
VPN Note: VPN use triggers account suspension + balance forfeiture.
HONEST REMINDER: The house edge doesn't care if payout takes 3 days (Chumba) or 90 days (The Money Factory). Extended play favors the house.
I've lost $200,000 in a single session. Don't be like me. Play responsibly, or don't play at all.
| Feature | The Money Factory | Chumba | Real Prize | Stake.us | MyPrize US |
|---|---|---|---|---|---|
| No-Deposit Bonus | 3-43 SC ($3-43) | 2 SC ($2) | 2 SC ($2) | 25 SC ($25) | 5 SC ($5) |
| Daily Login | 16.3 SC/mo (7-day cycle) | None | None | Varies | 30 SC/mo |
| Min Redemption | 100 SC ($100) | 100 SC ($100) | 100 SC ($100) | 5-30 SC ($5-30) | 100 SC ($100) |
| Payout Time | 15-90 days | 3-7 days | 1-5 days | Hours (crypto) | 24-48 hrs |
| Payout Methods | Skrill, bank | PayPal, bank | PayPal, bank | Crypto | PayPal, bank |
| Game Count | 1,000+ | 500+ | 700+ | 2,500+ | 1,000+ |
| Game Providers | 20+ | Proprietary | Pragmatic, Relax | Pragmatic, Hacksaw | 20+ |
| Live Dealer | Yes (Evolution) | No | No | No | Yes (Evolution) |
| States Available | 39-44 | 49 | 41-46 | 30-32 | 43 |
| VIP Tiers | 6 | None | 7 | 5 | 10 |
| Mobile App | No | No | No | Yes (iOS) | No |
| Launched | 2024 | 2012 | 2019 | 2022 | 2024 |
WHEN TO CHOOSE THE MONEY FACTORY:
WHEN TO CONSIDER THE MONEY FACTORY:
STRENGTHS:
WEAKNESSES:
WHO SHOULD SIGN UP:
WHO SHOULD SKIP:
MY TAKE: Competitive game selection (20+ providers, Evolution live dealer) and solid daily bonuses (16.3 SC/month). But none of that matters when you're waiting 90 days to cash out $100.
Users cashing out in October 2025 are still waiting in January 2026. The casino claims "72 hours" but takes 15-90 days, false advertising. I refuse to recommend until payout times drop to 3-7 days (industry standard). Stake.us pays in hours, MyPrize in 24-48 hours, The Money Factory is 12-45x slower.
The 4.8/5.0 Trustpilot rating is misleading. Negative reviews show dozens of payout complaints. Eventually they pay, but waiting 4.5 months for $100 is unacceptable.
FINAL SCORE: 51/100
❌ 90-day payout delays (disqualifying) ⚠️ No PayPal, non-transparent pricing ✅ 20+ providers, live dealer, high VIP/daily bonuses
RESPONSIBLE GAMBLING REMINDER: Sweepstakes casinos are entertainment, not income. The house edge ensures you'll lose over time. And if you do win at The Money Factory, you'll wait 90 days to see your money. If you're chasing losses or spending money you can't afford, stop immediately. Call 1-800-522-4700 for help.
With its game variety and straightforward redemption process, this casino is a solid choice for players looking to try something new.
This casino provides a legitimate gaming experience with fair play and verified payouts. Give it a try and see if it matches your preferences.
This casino provides a legitimate gaming experience with fair play and verified payouts. Give it a try and see if it matches your preferences.
This casino delivers on its promises with a good selection of games and fair terms. We recommend giving it a try to see if it suits your gaming style.
Overall, this casino offers solid gameplay and reasonable redemption options. While there are areas for improvement, it's worth checking out if you're looking for a new gaming experience.
With its game variety and straightforward redemption process, this casino is a solid choice