Probability Breakdown
With 13 card ranks, if the current card is rank R (1=Ace to 13=King): probability of Higher = (13-R)/12, probability of Lower = (R-1)/12 (excluding the same rank). When the card is a 7 (middle): Higher and Lower both have ~50% chance. At Ace: Higher is ~92% likely.
House Edge Explained
Hi-Lo has a 3.0% house edge (97.0% RTP). The multiplier for each guess is 0.97 / probability_of_correct_guess. When you're almost certain to be right (e.g., guessing Higher on an Ace), the multiplier is tiny (~1.05x). When it's a close call, the multiplier is larger (~1.94x).
What Does This Mean for You?
With an RTP of 97.0%, for every 100 coins you wager on Hi-Lo, you can expect to get back approximately 97.0 coins over thousands of rounds. The remaining 3.0% goes to the house.
This is a long-run average. In any single session, your results will vary wildly — that's the variance (volatility: Medium). Short sessions can see 50%+ swings in either direction. The RTP only converges over thousands of rounds.
Rookie's provably fair system means you can verify these odds yourself. Every round is cryptographically determined before you play, and the math is public. No hidden RNG, no server-side manipulation.