What the wallet holds
A rummy wallet holds the reader's deposited balance, the winnings from successful hands and any promotional credit the reader has accepted. The reading-room desk's note is that a wallet is not a bank account: it is a closed balance the reader uses inside the app, and it is subject to the app's published rules on deposits, withdrawals and inactivity.
This page describes what the wallet holds, how KYC works, and the things an adult reader checks before the first deposit. The reader who has read this note has read the most useful wallet note.
How KYC works
KYC is the verification flow the app uses to confirm the reader's identity. Most apps follow the standard pattern described in the safety explainer: a government-issued photo ID, a recent address proof and a one-time selfie or live photo. The reading-room reader who has filed the three documents during onboarding has read the most useful KYC note.
Three documents worth filing during onboarding
- Aadhaar (or other government-issued photo ID)
- PAN (used for tax-related fields)
- A recent address proof, often a utility bill or a bank statement
The reading-room reader who has filed all three has read the most useful KYC checklist.
What the reader should check before the first deposit
The desk recommends four checks before the first deposit. First, that the KYC documents are on file and verified. Second, that the withdrawal method on file is active. Third, that the stake ceiling is set. Fourth, that the session reminder is enabled.
Four checks before the first deposit
- KYC documents on file and verified
- Withdrawal method on file is active
- Stake ceiling is set
- Session reminder is enabled
The reading-room reader who has done all four has read the most useful first-deposit checklist.
What happens during inactivity
Most apps apply an inactivity rule after a period of no logins. The reading-room desk's note is that the rule varies by app and the reader should check the publisher's published terms. The reader who has read the inactivity rule has read the most useful inactivity note.
What to read next
The routes that pair well with this one are the safety explainer, the responsible-play guide and the customer-care notes. The reading-room reader who has read all four has read the full wallet spine.
Why KYC is a quiet piece of insurance
KYC is a quiet piece of insurance. The reading-room desk's note is that the verification flow protects the reader's wallet more than it inconveniences the reader. A reader who has filed the three standard documents during onboarding has read the most useful KYC note.
The reader who has filed all three documents has read the most useful KYC checklist.
Three documents worth keeping on file
- Aadhaar (or other government-issued photo ID)
- PAN (used for tax-related fields)
- A recent address proof, often a utility bill or a bank statement
What happens to the documents after closure
Most apps retain KYC documents for the period required by the published rules. The reading-room reader who has read the privacy page has read the most useful retention note. The reader who has read the closure page has read the most useful closure note.
What to read next
The routes that pair well with this one are the safety explainer, the responsible-play guide and the customer-care notes. The reading-room reader who has read all four has read the full wallet spine.
What does not change between apps
The KYC requirements do not change between apps. The reading-room desk's note is that the three standard documents (photo ID, address proof, live photo) are the most useful set the reader can keep on file. The reader who has read this note has read the most useful description of what does not change between apps.
The desk's read is that the withdrawal method on file also does not change between apps. The reader who keeps the UPI or bank method current on every app has read the most useful wallet practice.
- The KYC requirements do not change between apps
- The withdrawal method on file is the same kind of route on every app
- The stake ceiling the reader has set does not change between apps
- The session timer does not change between apps
The reading-room reader who has read this list has read the most useful description of what does not change between apps.
What the reader does after the first sign-in
After the first sign-in, the reader revisits the wallet section to confirm the verification status is "verified". The reader also revisits the responsible-play section to check the timer and the stake ceiling. The reader who has done both has read the most useful post-sign-in check.
What to read next
The routes that pair well with this one are the safety explainer, the responsible-play guide and the customer-care notes. The reading-room reader who has read all four has read the full wallet spine.
A short reading-room reading list
The reading-room routes that pair well with the wallet-KYC note are the safety explainer, the responsible-play guide and the customer-care notes. The reader who reads all four has read the full wallet spine. The wallet-KYC reader who has not visited the safety explainer is the reader who has skipped the foundation.
The desk's read is that the wallet-KYC reader revisits the wallet-KYC note when the first deposit is to be made. The reader who has done both has read the most useful version of both.
Three reading habits worth practising
- Re-read the wallet-KYC note before the first deposit
- Re-read the safety explainer once a month
- Re-read the responsible-play guide once a quarter
What to read next
The routes that pair well with this one are the safety explainer, the responsible-play guide and the customer-care notes. The reading-room reader who has read all four has read the full wallet spine.
A final note from the desk
The reading-room desk publishes this wallet-KYC note as part of the editorial bulletin on the room's pages. The desk reads the wallet-KYC notes quarterly and notes any changes at the foot of this note. The reader who has revisited this note has read the most useful version of it.
The reader who has read the safety explainer has read the most useful companion to the wallet-KYC note. A wallet-KYC reader who has not filed the three standard documents has not finished reading.
What the desk reads when it revisits this note
When the desk revisits this note on the quarterly review cycle, the desk reads the page against the source and against the reader's likely intent. The reading-room note is that the page is more useful when it has been read at least once by the reader before the revision; the reader who has read a page once has read the most useful baseline. The reader who revisits a page after a quarter has read the most useful updated version.
The desk's read is that the quarterly review also creates a small archive of dated revisions. The reader who has revisited a page after several quarters has read the most useful arc of the page. The desk publishes a dated note at the foot of every page when a revision has changed the content. The reader who has read the editorial standards page has read the most useful description of how the desk handles revisions.
The desk reads every page against the same three criteria. First, accuracy against the source. Second, plain-language writing without jargon. Third, adult-reader framing, no promotional language. A page that meets all three criteria on the quarterly review has read the most useful test. A page that fails one of the three has read the most useful reason for a revision.
What the desk does not revise
- The desk does not revise the URL of a page once it has been published
- The desk does not revise the publication date of a page without noting the revision
- The desk does not revise the editorial voice of a page without noting the revision
- The desk does not revise the page structure without noting the revision
The reading-room reader who has read this list has read the most useful description of what the desk does not revise.
How the desk handles reader feedback
The desk reads every message sent to the contact page. The desk replies within a week to messages that include a name, a return address and a clear subject. The desk publishes a dated correction note at the foot of a page when a verified error has been reported. The desk's read is that a feedback message with a dated source is more useful than a feedback message without one; the reader who has included the source has read the most useful feedback format.
The desk also reads the messages for patterns. A pattern the desk has noticed in reader feedback is the request for more practical examples; the desk responds by adding more examples in the next quarterly review. The reading-room reader who has written a feedback message with a specific example has read the most useful contribution to the next quarterly review.
Three kinds of useful feedback
- A correction with a dated source
- A practical example that illustrates the page's content
- A suggestion that links the page to a related page in the room
The reading-room reader who has included one of these three has read the most useful feedback format.
What the reader should expect on the next quarterly review
The reader should expect a small update to the page's content. The desk publishes a dated note at the foot of the page when the update has changed the content. The reader who has revisited the page after the quarterly review has read the most useful updated version. The reader who has read the editorial standards page has read the most useful description of how the desk handles updates.
The desk's read is that the quarterly review is also a useful opportunity for the reader to revisit related pages. The reader who has revisited the related pages has read the most useful full route. The reader who has read all three related pages has read the most useful reading-room spine for this route.
What to read next
The routes that pair well with this one are the safety note, the responsible play note and the customer care note. The reading-room reader who has read all four has read the full wallet and KYC spine.