For Filipino players who don't use ewallets, the cash-out rails split into InstaPay and bank wire. RLSH benches them as a rail-speed head-to-head.
Speed row
| Rail | Median | P90 | Fee |
|---|---|---|---|
| InstaPay | 34 min (winner) | 118 min (winner) | no fee <₱50k |
| BDO wire | 214 min | 480 min | ₱500 floor |
Why BDO wire is slower
Inter-bank BDO/BPI/UnionBank wires batch less frequently than InstaPay — BDO batches roughly every 3 hours during business hours and not at all overnight. InstaPay operates on the continuous PhilPass rail so cash-outs dispatch near-continuously, capped at ₱50,000 per transaction.
Where BDO wire still wins
Above ₱50,000 per transaction, InstaPay caps out and the operator has to route through BDO wire. For Filipino players cashing out jackpot-sized amounts, the slower rail is the only option. Everything under ₱50,000, InstaPay is the head-to-head winner on every row that matters.
