US jurisdictionJurisdição US

Michigan Lottery. Michigan Lottery.

Instant + iLottery hybrid. RTP ceilings push toward 78% — the highest legal envelope in the US. Híbrido instant + iLottery. O teto de RTP empurra para 78% — o maior envelope legal dos EUA.

🇺🇸
Bureau of State Lottery / Michigan Gaming Control Board

Michigan Lottery

Supply position: Primary instant ticket contract (~90% supply, 5+5y) + iLottery via incumbent platform.

RTP typ.
68%
RTP range
60–78%
Top prize
$4.0M
Deck range
120K–30.0M
GLI scope
GLI-11, GLI-19, GLI-23, GLI-30
Last reg update
2026-02-27
01 · PeculiaritiesPeculiaridades

What makes this jurisdiction distinctive. O que torna esta jurisdição distinta.

  • ~90% primary instant-ticket supply, 5+5 year term.
  • iLottery delivered via incumbent iLottery joint venture. Physical + digital share the math spine.
  • RTP ceiling: 78%. Highest legal payout envelope we've modeled.
  • MGCB compliance is dual: lottery + gaming control overlap in enforcement.
  • ~90% do supply primário de instant tickets, termo 5+5 anos.
  • iLottery via joint venture with the incumbent iLottery platform. Físico + digital compartilham a espinha matemática.
  • Teto de RTP: 78%. Maior envelope legal de payout que modelamos.
  • Compliance do MGCB é dupla: lottery + gaming control se sobrepõem na fiscalização.

Mandatory copy: Must be 18 or older to play · Gambling problem? Call 1-800-270-7117
Visual restrictions: No imagery targeting minors · Responsible gaming line mandatory on every ticket
02 · Active product catalogCatálogo de produtos ativos

Live games the incumbent supplier (or the incumbent) is running today. Jogos vivos que a the incumbent supplier (ou o incumbente) está rodando hoje.

Representative sample of the state's active paper + digital SKUs — top prizes, overall odds, RTP and mechanic. Figures reflect public filings as of early 2026. Kobow Studio ships re-skin variants of each within the regulator-allowed envelope. Amostra representativa dos SKUs paper + digitais ativos do estado — top prizes, odds gerais, RTP e mecânica. Valores baseados em filings públicos do início de 2026. O Kobow Studio entrega variantes re-skin de cada um dentro do envelope permitido pelo regulador.

500X Money Maker
$50
Paper Scratchers
Top prize$6.0M
Overall odds1 in 2.70
RTP78%
MechanicKey-number + 500× multiplier
MI's flagship $50 — the incumbent supplier-printed, 78% RTP cap.
$500,000,000 Cashword Blowout
$30
Paper Scratchers
Top prize$4.0M
Overall odds1 in 2.78
RTP77%
MechanicCrossword extended-play
Prize pool headline stunt — MI plays the number game loud.
Hit The Jackpot Crossword
$10
Paper Scratchers
Top prize$1.0M
Overall odds1 in 3.22
RTP72%
MechanicCrossword
Evergreen $10, high session time.
Cashword Pro
$5
eInstant (incumbent iLottery platform)
Top prize$100K
Overall odds1 in 3.9
RTP74%
MechanicDigital crossword reveal
Top-selling iLottery eInstant — 74% mobile.
03 · Product demosDemos por produto

Six products, this jurisdiction. Seis produtos, esta jurisdição.

Each demo below is scoped to Michigan Lottery's live math envelope and regulator posture. Cada demo abaixo é limitada ao envelope matemático e à postura regulatória de Michigan Lottery.

01 · Engine

Kobow Engine

Monte-Carlo convergence on the state's RTP target, with R1–R4 scoring bands.Convergência Monte-Carlo no RTP alvo do estado, com bandas de scoring R1–R4.

Runs
1,000,000
RTP mean
68.00%
RTP σ
0.200%
Top-hit freq.
1 : 9
BandScore
R1 Math validity0.9988
R2 Regulatory fit0.9993
R3 Player experience0.9989
R4 Operational0.9966
Open EngineAbrir Engine
02 · Paper

Kobow Paper

Prize matrix derived from the state's top-cap and deck envelope, with overprint budget.Matriz de prêmios derivada do top-cap do estado e envelope de deck, com budget de overprint.

TierValueCount
Top prize$4.0M1
Secondary$200K39
Mid $1K$1K12K
Mid $100$100245K
Mid $25$25980K
Match $5$55.9M
POSD: exports the above plus jurisdiction copy block, printer-ready.exporta o acima mais o bloco de copy da jurisdição, pronto para impressão.
Open PaperAbrir Paper
03 · GAIN

GAIN

Stride-based shuffle on a 60-cell sample sized to this state. Wins are evenly distributed.Shuffle baseado em stride numa amostra de 60 células no tamanho deste estado. Vitórias distribuídas uniformemente.

Applied at 120K to 30.0M tickets/deck for this jurisdiction. No cluster drift.Aplicado em 120K a 30.0M bilhetes/deck para esta jurisdição. Sem cluster drift.
Open GAINAbrir GAIN
04 · Studio

Kobow Studio

State-flavored theme concept: Freshwater Jade. Compliance copy locked in.Conceito de tema com sabor do estado: Freshwater Jade. Copy de compliance fixado.

FRESHWATER JADE MICHIGAN LOTTERY · PLAY $$4.0M SCRATCH TO REVEAL ★ ★ ★ ★ ★ MATCH 3 SYMBOLS TO WIN TOP PRIZE $4.0M TICKET $5 18+ · Gambling problem? Call 1-800-270-7117
Must be 18 or older to play · Gambling problem? Call 1-800-270-7117
Open Studio ForgeAbrir Studio Forge
05 · Intelligence

Kobow Intelligence

Latest normalized diff against the Bureau of State Lottery / Michigan Gaming Control Board filings registry.Último diff normalizado contra o registro de filings de Bureau of State Lottery / Michigan Gaming Control Board.

2026-02-27
MINOR
Bureau of State Lottery / Michigan Gaming Control Board — guidance refresh
No live product affected
2026-02-11
INFO
GLI scope annotation added
GLI-11, GLI-19, GLI-23, GLI-30
Open IntelligenceAbrir Intelligence
06 · Insights

Kobow Insights

Market snapshot scoped to Michigan Lottery. Supply position, contract horizon, math posture.Snapshot de mercado de Michigan Lottery. Posição the incumbent supplier, horizonte contratual, postura matemática.

Supply positionPrimary instant ticket contract (~90% supply, 5+5y) + iLottery via incumbent platform.
RTP typ.68%
Top prize$4.0M
GLI scopeGLI-11, GLI-19, GLI-23, GLI-30
Open InsightsAbrir Insights

Brief on Michigan Lottery.Briefing sobre Michigan Lottery.

Want this jurisdiction reviewed against your operator-specific math?Quer esta jurisdição revisada contra a sua matemática de operador?

Request briefSolicitar briefing