Play Like a Pro with the Crypto Hi-Lo Games: A Complete Guide

The advent of blockchain has brought about fairness and transparency while improving online gaming dynamics. As a result, more traditional games have evolved from online to blockchain gaming. 

Crypto Hi-Lo is one of the online games that has progressed yet still retains its traditional appeal. The gameplay of this card prediction game is the same but integrated with the Provably Fair mechanism.

This article explores Crypto Hi-Lo, providing a comprehensive guide to playing the game. You will also learn to employ strategies to increase your winning odds in this game of luck.

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Highlights of the Article

  • Crypto Hi-Lo Game is a classic yet engaging game where players must correctly predict the next dealt card.
  • Although Crypto Hi-Lo is a game of chance, strategies can improve a bettor’s odds of winning the round. 
  • Logical guessing is a basic Hi-Lo game strategy that requires a good understanding of probabilities.
  • Several Hi-Lo game variations exist, including integrating Dice and Poker game mechanisms.
  • The Crypto Hi-Lo game is popular among beginners and experienced players despite its limited availability in the crypto casino industry.  
  • Before playing a Crypto Hi-Lo game, ensure the crypto casino’s license is valid
  • Hi-Lo Premium makes use of only 12 cards from a 52-card deck.
  • The highest and lowest cards in Crypto Hi-Lo may differ based on casino rules.

Exploring the Crypto Hi-Lo Game in 2024

crypto hi lo game

Crypto Hi-Lo is a card prediction game with a high RTP of up to 99%. The game’s primary goal is to predict whether the outcome is high or low compared to the current card—the more cards the player guesses, the higher the payout.

However, if the guess is wrong, the player will lose all their winnings. In addition, there is no maximum payout in Crypto Hi-Lo, but some in-house games have a jackpot prize.

The following sections detail the mechanics and strategies when playing the Hi-Lo games. Keep reading to learn more. 

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Quick Tip

Game rules in Hi-Lo games may vary. Some Hi-Lo games have rules such as side bets and Jokers. The most popular one is the Joker, where gamblers can win x24. 

Game Mechanics: Crypto Hi-Lo Deck of Cards

Crypto Hi-Lo Game Demo

Crypto Hi-Lo’s mechanics are simple: players predict whether the result will be lower or higher than the selected card. These betting options have a corresponding multiplier that increases as the player correctly guesses more cards. 

The Crypto Hi-Lo game’s simplicity is ideal for beginners, as each round has the potential to yield a payout. However, seasoned players also play it because of its intense and fast-paced decision-making aspects. 

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Did You Know?

The Hi-Lo game has concepts and mechanics similar to those of the Crypto Dice games. The casino dice game employs higher-to-lower number predictions but substitutes the casino cards with dice.

Continue reading as we delve into the game’s rules and betting options.

Crypto Hi-Lo Lowest and Highest Cards

A standard gambling deck consists of 52 cards. Despite the standards, the rules for playing Hi-Lo may vary depending on the casino, including the card order, ranks used, and betting options.

  • Cards order: Ace can be the highest or the lowest cards. 
  • Ranks used: Not all ranks or suits are available, especially the 🔟 card in all suits. 

The following are the itemized ranks in a deck of cards:

  • 13 Ranks of Cards: 2️⃣, 3️⃣, 4️⃣, 5️⃣, 6️⃣, 7️⃣, 8️⃣, 9️⃣, 🔟, 🂫 Jack, 🂮 Queen, 🂭 King, 🂡 Ace
  • 4 Suits of a Card:
    • 13 diamonds, 13 hearts, 13 spades, and 13 clubs
    • 26 red cards and 26 black cards
    • Each rank has 4 cards 
  • Face Cards: 🂫 Jacks, 🂮 Queens, 🂭 Kings
  • Joker doesn’t count in the deck of cards.

Using the abovementioned cards, calculating the likelihood of a specific card occurring is easier using the following formula:

Probability = CardDeck of Cards

Betting Options in Crypto Hi-Lo Games

Crypto Hi-Lo Different Betting Options

The betting options for crypto Hi-Lo games have expanded from the typical two bets of higher or lower. These options include face cards and suits, offering a higher winning payout. More betting choices mean increased winning odds. 

Here are the betting options:

  • Red Suits: Players can bet whether the next card will be or .  
  • Black Suits: The next dealt card might be or .
  • 2️⃣-🔟: Has the lowest multiplier but is most likely to appear. Regardless of the suits, the player wins if any numbered rank cards appear. 
  • JQKA: Has the highest multiplier; it stands for Jacks, Queens, Kings, or Aces. If any of these cards appear, the player wins the round. 
Higher or EqualVaries depending on the dealt card.
Lower or SameVaries depending on the dealt card.
Red Suits50% (26 out of 52)
Black Suits50% (26 out of 52)
2️⃣ – 🔟69.23% (36 out of 52)
JQKA30.77% (16 out of 52)

Sample Scenario:

Understanding the Hi-Lo Payout Calculation

Given that the Hi-Lo game you are playing offers four betting options only: Higher, Lower, Black, and Red. Regardless of the result, the bet amount remains the same, which is $10.

The table shows the winning streak round with the multipliers, the odds of each betting option, and the total payout. 

3x1.92 – 50%x1.92 – 50%x4.15 – 23.08%X1.13 – 84.62%$11.30
4x2.26 – 50%x2.26 – 50%x3.68 – 30.77%X1.47 – 76.92%$14.70
9x2.94 – 50%x2.94 – 50%x2.13 – 69.23%X3.63 – 38.46%$29.40
Black 8x11.79 – 50%x11.79 – 50%x6.39 – 92.31%X76.69 – 7.69%$58.9

For this example, let’s calculate the first card that is only displayed. Card 3️⃣ is the first card, and you place your bet on the Higher option. To calculate the rank’s probability and the multiplier:

  • Higher Probability: Count the total rank after the displayed rank, multiply it by the number of suits, and divide by the number of cards.
    • Ranks: 11 (from 4️⃣, 5️⃣, 6️⃣, 7️⃣, 8️⃣, 9️⃣, 🔟, 🂫 Jack, 🂮 Queen, 🂭 King, 🂡 Ace)
    • Suits: 4     
    • Deck of Cards: 52
Probability = ( Ranks x Suits )Deck of Cards
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Side Note

If the displayed card is 9️⃣ and you want to bet lower, then the ranks would be 7, then multiply it by 4. 

  • Higher Multiplier: Divide the game’s RTP by the calculated probability of the bet option.
    • RTP of the Hi-Lo game played is 96%.
    • Probability: 84.62% 
Multiplier = RTP Probability

Maximize Your Winnings: Guess More in Crypto Hi-Lo

Classic Hi-Lo Crypto Casino Game

The Crypto Hi-Lo game runs on a provably fair mechanism. This game is fast-paced and requires both luck and logical thinking. Using strategies does not guarantee a sure win, but the odds will likely improve since bettors can extend their gaming session.

Usually, the game starts with the first card drawn from the deck of cards. Players will have three steps to play the game:

  • Place your bets. Set the initial bet amount, then click the Bet button.
  • Guess the next rank. Predict the next card among the available betting options 
  • Cash out your winnings. Collect the accumulated winnings at any time. 

Continue reading and learn the five most popular strategies you can employ when playing crypto Hi-Lo games.

Improve the Odds with Crypto Hi-Lo Strategies

1. Simple Probabilities

Gamblers can apply basic probabilities to the Hi-Lo card game. For this strategy, if the card is below 7, betting higher gives a better chance. However, if the card is 8 or higher, the best bet is to go lower.

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Side Note

The safety net that the Simple Probabilities strategy offers players is comparable to the basic Baccarat Strategy called the Banker Bet, which many bettors consider to be the safest bet in the game.

2. Low-Risk Hi-Lo Strategy

The Low-Risk method emphasizes small but consistent wins, minimizing the chance of losing. This strategy aims to withdraw small winnings, which can eventually lead to bigger ones.

For this strategy, Hi-Lo bettors place their bets and cash out after guessing correctly two or three cards.

3. High-Risk Hi-Lo Strategy 

Employing the high-risk hi-lo strategy requires calculated risk-taking bets. Players will pursue a larger payout by stacking more winning cards and not cashing out in the early rounds. This strategy works for bettors with large bankrolls and even larger risk appetites.

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Fun Fact

In gambling, the biggest winners and losers have one thing in common: the guts to gamble big. Betting whales have the riskiest mindsets since they believe the only way to win big is to bet as much as possible.
For example, Kerry Packer is an Australian tycoon who holds the record for some of the worst losses in gambling history, losing nearly £22.06 million while playing at London Casinos.
Yet, Packer is infamous for being the richest gambler worldwide, reportedly winning around $40 million at the Las Vegas MGM Grand Casino in 1997.

4. Martingale Strategy

In the Martingale Strategy, players double their bet size with every loss. After a win, revert the bet amount to its initial bet size. While this method requires a big bankroll, it aids in recovering the total loss while gambling. 

The Martingale is applicable in many games due to its versatility. This tactic is a great way to extend one’s betting session in games like Crash Gambling.

The table below shows how the bet amount progresses when the player loses the game. Suppose that the multiplier is x1.65

For winnings:

= Gain 

➖ = Loss

Payout Calculation = (Bet Amount x Multiplier) + (± Net Profit)
$10Win$10 ✖️ 1.65$16.5
$10Lose(➖ $10) ➕ $16.5$6.5
$20Lose(➖ $20) ➕ $6.5➖$13.5
$40Lose➖$40 ➖ $13.5$53.5
$80Lose➖$80 ➖$53.5 $133.5
$160Win($160 ✖️ 1.65) ➕ (➖$133.5)$130.5 
$10Lose(➖$10) ➕ $130.5$120.5
$20Win($20 ✖️ 1.65) ➕$120.5$153.5
5. Umbrella Strategy

The Umbrella requires gamblers to set their minimum and maximum bets. Place the minimum bet size and gradually increase the amount to the maximum, regardless of the result. After reaching the maximum, decrease the bet size and continue the cycle. 

The example table below shows the loop of the bet amount from increasing to decreasing. This example uses a multiplier of x1.65 for all winnings. 

For winnings:

= Gain 

➖ = Loss

Payout Calculation = (Bet Amount x Multiplier) + (± Net Profit)
$10Win$10 ✖️ 1.65 ➕$16.5
$15Lose(➖ $15) ➕ $16.5 ➕$1.5
$20Lose(➖ $20) ➕ $1.5➖$18.5
$25Lose➖$25 ➖ $18.5➖$43.5
$30Lose➖$30 ➖$43.5➖$73.5 
$25Win($25 ✖️ 1.65) ➕ (➖$73.5)➖$32.25 
$20Lose➖$20 ➖ $32.25➖$52.25
$15Win($15 ✖️ 1.65) ➖$52.25➖$27.5
$10Win ($10 ✖️ 1.65) ➖$27.5➖$11
$15Win($15 ✖️ 1.65) ➖$11➕$13.75

Top 5 Crypto Hi-Lo Sites of 2024

While there are only a few Crypto Hi-Lo games, the game remains popular among bettors. The game’s simplicity appeals to players of all skill levels, making it a great alternative to other complex cryptocurrency online gaming.

These Hi-Lo games are from leading game providers, like Hacksaw Gaming. With their growing popularity, more crypto casinos have begun developing their own Hi-Lo games and improving gameplay dynamics.

Check out the top 5 best Hi-Lo crypto casinos of 2024:

Factors in Choosing The Top Crypto Hi-Lo Sites in 2024

Choosing a Crypto Hi-Lo site requires careful consideration. Players must strike a balance between security and excitement. Several factors must occur to ensure gamblers have a rewarding experience, such as the bonuses offered, like free spins and rounds.

Find out how the top 5 crypto Hi-Lo sites were filtered and selected. Read more to learn about factors to consider when choosing a platform.

Gambling Licensing

Gambling Licensing

Checking the validity of a crypto casino license should be the top priority. A gambling license assures the gamblers that the crypto casino has passed all the licensing authority requirements and standards. 

These requirements include:

  • Game fairness
  • Site Security
  • Anti-money laundering policies
  • Responsible gambling procedures

While several licensing gambling authorities exist, the Curacao eGambling license is the most common among crypto casinos. This gambling license offers a complete yet easy-to-obtain licensing package while offering the best license price as low as $21,000.

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Did You Know?

Australia is one of the first countries to legalize online gambling with its Interactive Gambling Act of 2001. Despite the stringent regulations, online gambling has become the fastest-growing sector in AU. The IGA of 2001 regulates online gambling and prohibits the use of cryptocurrency. However, Aussie gamblers are quick to find a loophole, especially since the IGA does not explicitly mention the prohibition of crypto gambling. 

Customer Support

Customer Support

With players in different time zones, a gambling site must have customer support available 24/7 to entertain queries. The customer representative should be responsive and knowledgeable enough to assist the players in answering questions or resolving technical issues, such as:

  • Game interruption
  • Account balance discrepancies

The gambling site must also cater to non-English-speaking gamblers. Multi-lingual customer support removes the part where gamblers translate everything, which is prone to miscommunication. 

Crypto casinos should also expand their resources to include phone and email support and a comprehensive FAQ section. Adding these features provides more assistance to the gamblers. 

Trust and Reputation

Trust and Reputation

Checking the casino’s reputation determines the reliability and trustworthiness of the platform. Players want to know about the casino’s security, license, and payment options through reviews from other players and review sites.

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Helpful Article

When traveling, ensure that the country you visit does not prohibit all forms of gambling. Read this article to know the list of countries where gambling is illegal.

Payment Methods

Payment Methods

Crypto Hi-Lo sites must offer various payment methods, providing different banking options to their players. This feature gives players more flexibility in choosing methods for deposits and withdrawals. 

1. Cryptocurrency Acceptance

A crypto Hi-Lo site should accept a diverse cryptocurrency selection for deposits and payouts. While most gamblers invest in Bitcoin, Ethereum, and other altcoins that could grow their value, some invest in lesser-known coins, which sites should still accommodate. 

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Did You Know?

While Blockchain transactions are fast and efficient, the speed of each cryptocurrency varies depending on its network. BTC and ETH are the most popular cryptos, but both have more than 20 minutes of transaction time.
Several casinos support many altcoins that offer near-instant transaction speed, such as:

  • Solana (SOL)
  • Ripple (XRP)
  • Polkadot (DOT)
  • Stellar Lumens (XLM)
2. Wide Array of Casino Banking Options

Aside from Blockchain technology’s security, fund transactions are fast and only take at least a minute or two. However, some gamblers prefer to deposit funds and withdraw winnings with banks and e-wallets, which may take time to reflect on the accounts.

These banking options include:

  • Mastercard
  • Visa
  • PayPal
  • Apple Pay
  • Google Pay
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Side Note

E-wallet transactions are becoming increasingly popular with mobile players due to their accessible and simple features. One of the recommended e-wallet banking options is Google Pay.

GPay offers instant withdrawals and zero deposit fees, which allows gamblers to hide transactions with virtual card numbers. 50 online casinos accept GPay, and it is only available in 29 countries, including Germany, the United States, and Australia.

 Crypto Gambling Bonuses Offered

Crypto Gambling Bonuses Offered

Bonuses are a way of attracting new players to play at crypto Hi-Lo casinos. A gambling platform with generous bonuses increases the player’s bankroll.

Welcome bonuses are the typical bonuses offered to new players. It comes in the form of a deposit match bonus, free spin, or cashback. 

Regular players can also enjoy these incentives. Some crypto casinos offer a daily, weekly, or monthly bonus and promotion for all players. 

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Side Note

For new players, the usual bonuses are deposit match bonuses that may contain free spin or cashback. However, several casinos offer a no-deposit bonus, which allows players to start betting without making an initial deposit.
This incentive offers risk-free gambling, but players must comply with the playthrough requirement.

 Software and Games Lobby

Software and Games Lobby

Choose a gambling platform with a diverse game selection from reputable software providers, such as Pragmatic Play, Hacksaw Gaming, and BetSoft. While there are only a handful of developed Hi-Lo games, having at least two game options is good enough 

A crypto casino must also offer Live Dealer games, giving the feel of a real casino setup. Players can interact and play a Hi-Lo game with real dealers and other gamblers in real-time.

Mobile Compatibility and Optimization

Mobile Compatibility and Optimization

With the increase in mobile usage, more players prefer on-the-go gaming that offers accessibility and convenience. A casino site must have a responsive design, providing flexibility to players.

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Quick Tip

One of the prediction games recommended to beginners is Crash Gambling. Crash games are low-risk gambling but can potentially yield high rewards.
To play the game, players place their bets, predict a multiplier, and cash out the winnings before the crash event. The winner will automatically lose if the crash occurs before cashing out. 

Hi-Lo Versions You Should Know in 2024

Aside from the common Provably Fair Crypto Hi-Lo game, players can explore and play with other versions. While the mechanism remains the same, each version offers unique gameplay and betting options.

These variations provide flexibility to gamblers who like to play simple yet engaging and thrilling games. Read on to learn about the various versions and how they differ from the classic crypto Hi-Lo game.

1. Hi-Lo Premium

Hi-Lo Premium Game Demo

Hi-Lo Premium offers a unique approach to the classic prediction game with its 12 playing cards. This crypto Hi-Lo game only uses the following cards: 

  • 2️⃣, 6️⃣, and Jack of
  • 3️⃣, 7️⃣, and Queen of
  • 4️⃣, 8️⃣, and King of
  • 5️⃣, 9️⃣, and Ace of

The game starts with a face-up first card. Players place their bets by clicking the STAKE UP or STAKE DOWN buttons and then choose 1 out of 9 bet options. 

Here are the 9 betting options:

LowerNext < Previous Varies
HigherNext > PreviousVaries
SnapNext = Previousx11.7
AceNext = Ace of x11.7
Ace or KingNext = Ace of   or  King of x5.85
Jack to AceNext = Jack of , Queen of , King of , and Ace of  x2.92
RedNext = Cardsx1.95
BlackNext = Cardsx1.95
Two to NineNext = 2️⃣, 3️⃣, 4️⃣, 5️⃣, 6️⃣, 7️⃣, 8️⃣, 9️⃣x1.46

2. Hi-Lo Switch

The Hi-Lo Switch consists of playing three rounds simultaneously. The game automatically throws three (3) random cards, and players will make separate bets and guess on each card: HIGH, LOW, or SNAP (TIE).

Every drawn card has a separate payout. If the player correctly predicts the three cards, then the player receives three payouts. 

3. Live Dealer Hi-Lo

The Live Dealer Hi-Lo game provides real-time online gameplay with physical cards dispensed by a dealer. Players can enjoy a live interactive session with the host and other players, giving the game a brick-and-mortar feel.

Here are the 10 betting options in a Live Hi-Lo game:

1. LowerNext < Previous Varies
2. HigherNext > PreviousVaries
3. SnapNext = Previousx12.06
4. AceNext = Acex11.56
5. Ace or KingNext = Ace or Kingx5.78
6. RedNext = Cardsx1.92
7. BlackNext = Cardsx1.92
8. Two to FiveNext = 2️⃣, 3️⃣, 4️⃣, 5️⃣x2.89
9. Six to NineNext = 6️⃣, 7️⃣, 8️⃣, 9️⃣x2.89
10. JQKANext = Jacks, Queens, Kings, Acesx2.89

Winnings in the Live Hi-Lo will automatically move to the Stake Position. From there, players have two options:

  • Collect All: the winnings will go to the bankroll.
  • Collect Some: 10% of the winnings return to the account wallet.
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Helpful Article

If you miss the feeling of playing and staying in a brick-and-mortar casino, check this article to discover the best places to gamble and splurge in Las Vegas

2. Hi-Lo Dice

Instead of playing cards, players predict whether the next dice roll will be lower or higher than the base number. The Hi-Lo Dice game requires a pair of dice: the lowest number is two, and the highest is 12.

The sum of the two dice determines the game’s outcome:

🔼 High numbers: 8️⃣, 9️⃣, 🔟, 1️⃣1️⃣, and 1️⃣2️⃣

🔽 Low numbers: 2️⃣, 3️⃣, 4️⃣, 5️⃣, 6️⃣, and 7️⃣

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Quick Tip

Another prediction game that has a similar concept to Hi-Lo is the crypto Dice game. The dice game is also one of the classic games with straightforward mechanics and a high RTP of up to 99%.
The game uses dice instead of cards, as the name implies, and players predict whether it will be a rollover or a roll under.

4. Omaha Hi-Lo

Omaha Hi-Lo game integrates the Omaha poker mechanism into the crypto Hi-Lo game. The twists in the Omaha Hi-Lo are as follows:

  • Players receive four hole cards (face down) and the remaining is from the community cards (face up).
  • Players with the lowest hand can win half the pot.
  • The best five-card high hand can receive the other half of the pot. 

Here are some of Omaha High Hand rankings:

Royal FlushFive sequential cards of the same suit; 10 to AceAce , King , Queen , Jack , 10
Straight FlushFive sequential cards of the same suit4️⃣ , 5️⃣ , 6️⃣ , 7️⃣ , 8️⃣  
Four of KindFour cards of the same value8️⃣ , 8️⃣ , 8️⃣ , 8️⃣ , 2️⃣
Full HouseThree cards have the same value and the other two have the same value as wellQueen of , , 9️⃣ of ,
High CardFive unique ranks of cards 7️⃣, 8️⃣, 6️⃣, Jack, King

For Omaha Low Hand rankings, players must achieve these two requirements:

  • No card pairs
  • No cards higher than 8️⃣

When making a low hand, Aces count as low cards, which means the best possible low hand of any suit is Ace, 2️⃣, 3️⃣, 4️⃣, 5️⃣ (5-low). This low hand is also known as The Wheel/Bicycle.

If no player has a qualifying low hand, the best high hand wins the entire pot.

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Side Note

The probability of obtaining Royal Flush is extremely low, with 1 in 649,740 (0.00015%) odds. On the other hand, the easiest to acquire and yet the weakest high hand possible has a probability of 50.12%.The Royal Flush card is the High Card Hand, comprising five unique cards.

5. Seven Card Stud Hi-Lo

Seven Card Stud Hi-Lo is a poker card game for 2-8 players. This game operates in the same manner as Omaha Hi-Lo. The difference is that each player receives seven cards, three face down and four face up.

Players must have the best five-card high or low hand to win this game. If there is no qualifying low hand, the gambler with the best high hand takes the entire pot.


Crypto Hi-Lo is a simple, enjoyable, and rewarding casino game. Newbies and seasoned gamblers alike can enjoy the thrill of prediction, which only requires minimal skills and a workable bankroll.

This game has various betting styles and rules, but the goal remains: predict the next drawn card.

While crypto Hi-Lo provides simple gameplay, players must know when to stop to avoid major betting losses.


Is the Hi-Lo game fair to play?

Yes, Hi-Lo is a provably fair game. The shuffling of a deck of cards is random and unbiased.

Can I win the Hi-Lo game with a strategy?

Hi-Lo is a game of chance. Playing with a strategy doesn’t guarantee winning the game, but it could help recover the loss.

Is there an Auto mode in HiLo?

No. There is no auto mode or a pre-defined strategy in Hi-Lo games. Players must place their bets on the spot.