Win on the machine.
Spend at the grocery store.

A player sits down at MCH-014 — a Goldfinger Multi-Game at Quick Stop #4. They play for 38 minutes. AXES records every spin: $312 handle, $237 in payouts, net $75 in their favor. The session ends, the voucher prints.

None of that is new to AXES operators — that's exactly how AIMS works today. What's new is what happens next.

The player walks to the Payline kiosk. They scan the voucher barcode (or enter the number on the keypad). The Payline kiosk software asks AXES: "is this voucher valid, and what is it worth?" AXES confirms in under 200ms — voucher V-8302-4419, $75.00, machine MCH-014, time-stamped.

A receipt prints. The audit chain appends a tamper-evident hash. The player chooses how to take the money: load the Payline card (issued by a sponsor bank) virtually on their phone, grab a physical Payline card from the dispenser, or tap-to-pay onto a card they already have.

Payline asks the sponsor bank (the card issuer) to create or top up the player's Payline balance. Funds settle from the operator's FBO ledger. The whole call chain — issuer + bank + KYC — runs in under three seconds.

Twilio sends the player an SMS with a one-tap link. They open the Payline wallet PWA in Safari. Their balance is right there. No app store, no download. The card is ready for any Visa terminal anywhere in the country.

The player taps for gas. They buy groceries. They pay for an Uber. Every swipe returns 2.4% interchange (Durbin-exempt — the Payline card sits below the $10B issuer threshold). The operator keeps a portion. The master keeps a portion.

Some players never spend the whole balance. 8% historical breakage means $6 of every $75 voucher converts to pure margin. The float on the FBO earns 4.5% APY on top.

At end of day the Mutha Goose master report runs at the location. Payline's parser ingests it, reconciles it against the audit chain, and computes the settlement: $1.30 to the location operator, $0.50 to the master, $0.30 to operations and reserves.

The sponsor bank sweeps the location's share to their bank account via same-day ACH. The master's share consolidates across all locations. The audit trail is exportable to PDF + CSV for the regulator. Done before the location operator unlocks the door the next morning.