Jili's Money Coming is the #2 most-played Jili slot on HOYY after Super Ace. Tumble-reel mechanic, prosperity-money theme, high-volume casual player favourite. But the slot has three different bet-types (base-game, ante-bet, bonus-buy) with three different RTPs. HOYY benched all three over 22,900 combined spins.
RTP by bet type
- Base-game: 96.52% observed / 96.50% certificate. 11,200 spins bench.
- Ante-bet (25% bet premium, doubles bonus trigger rate): 96.3% observed / 96.3% certificate. 6,900 spins.
- Bonus-buy (100× bet instant bonus): 94.9% observed / 95.1% certificate. 4,800 spins.
Bonus-buy is the trap. 1.6 points below base-game — that's not small.
Why the bonus-buy is worse
On paper Jili's bonus-buy returns 95.1% certificate, which sounds fine. The issue is what the bonus round actually pays. Money Coming's bonus round awards 12 free spins with a 2×-5× progressive multiplier. If your multiplier ladder stalls early (common), the 100× cost doesn't pay back. Our 4,800-spin bench shows this: 61% of bonus-buys returned under 100× (i.e., net-loss), 23% returned 100-200× (modest win), 16% returned 200×+ (big win).
Why ante-bet is the middle path
Ante-bet buys a 2× bonus-trigger rate for a 25% bet premium. Math-wise, that's a 12.5% higher expected bonus frequency, which roughly matches the bet cost. So ante-bet is effectively neutral EV — fine to use for variance-shape reasons.
Max-win ceilings (all bet types)
2,000× base bet. Applies across base-game, ante-bet and bonus-buy. Statistically roughly equally achievable in each (which is why bonus-buy RTP falls — same tail-win distribution, but more base spins to amortize in non-buy modes).
When to use which
- Casual session: base-game. Don't touch ante-bet or bonus-buy.
- Variance-shape session (want more bonus action): ante-bet.
- Bonus-buy: never. 94.9% observed RTP is unacceptable when base-game is 96.52%.
Broader lesson
This pattern — base-game and ante-bet RTP ≈ certificate, but bonus-buy materially worse — is consistent across Jili, PG Soft, and Pragmatic Play slots on HOYY. Some operators advertise bonus-buy as "premium" — statistically it's the worst option in almost every slot. Skip bonus-buy as a rule, not just on Money Coming.
Verdict
Money Coming remains a strong base-game slot (96.52% is genuinely high). Just don't touch the bonus-buy button. This bet-type analysis should be applied to every slot with a bonus-buy feature.