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GTA Online Mega Guide and Weekly Simple Question Thread
submitted by BryonyBot to gtaonline [link] [comments]
GTA Online Mega Guide and Weekly Simple Question Thread
submitted by BryonyBot to gtaonline [link] [comments]
GTA Online Mega Guide and Weekly Simple Question Thread
submitted by BryonyBot to gtaonline [link] [comments]
GTA Online Mega Guide and Weekly Simple Question Thread
submitted by BryonyBot to gtaonline [link] [comments]
GTA Online Mega Guide and Weekly Simple Question Thread
submitted by BryonyBot to gtaonline [link] [comments]
GTA Online Mega Guide and Weekly Simple Question Thread
submitted by BryonyBot to gtaonline [link] [comments]
GTA Online Mega Guide and Weekly Simple Question Thread
submitted by BryonyBot to gtaonline [link] [comments]
[pi] The Devil Is In The Details
Inspired by:
[WP] As you successfully summoned the Devil himself, he promised to grant you any wish for your soul as payment. He wasnt prepared for you to say "I wish you can make up with God". Lucifer blinked, certain he’d misheard. The child who didn’t look old enough to spell his name looked up at him from where she stood at the head of her salt drawn pentagram. “It-it’s not that easy,” he stammered, looking for an adult that he could have a reasonable conversation with.
“But you can do anything,” she insisted. “So why can’t you do this?”
Lucifer lifted a hand, then dropped it at his side. “Why is this so important to you, kid?”
“Whenever I have a fight at school, Miss Gradel makes me sit down and talk to them. I don’t like it, but she says we have to.” She lifted her chin to look up at him. “And if I have to, so do you.”
Lucifer’s shocked features melted into understanding. “Ahhh, I see,” he purred. “Misery loves company. You know I coined that phrase, right?”
“What?”
Lucifer closed his eyes. This kid summoned him from his Casino chain in Vegas to … wherever in the world he was, by using a complicated ritual involving incantations that most of this world’s people knew nothing about, but she didn’t know what it meant to coin a phrase?
“How about I get you a winged pony, kid? One that sits in your pocket and breathes fire and eats the kids you fight with. Then you won’t have to sit through Miss Gradel’s interventions anymore.”
The girl looked thoughtful, and Lucifer believed he had a winner.
“You’re scared of him.”
Ahhhhh….what? “Nooooo,” Lucifer insisted.
“Yes, you are. He’s your Dad and you had a big fight with him, and now you aren’t talking anymore. I still don’t like Miles Tooley, but after we were made to talk, I found out he was a bully because his dad was. And that got me thinking. What if there’s something in God’s past that you don’t know about? Something that stops you two from being close.”
Lucifer chuckled and looked at the ceiling overhead. “Kid, The Almighty is an open book, and as his creations, we all play our part. Mine is to be the black sheep that can never go home. Without me, people have no reason to follow his word. I was banished, kid. Do you get that? It's pretty hard to kiss and make up if I’m not allowed back and he never leaves.”
“So, you’re stuck here?”
Lucifer shrugged. “It’s complicated.”
“But you promised me anything I wanted.”
Lucifer raked his fingers through his hair. “Okay, kid. I’m not supposed to do this, but I really need you to rethink that promise before it gets us both killed. You look like a very smart young lady, so tell me if I’m going too fast for you.”
He took a deep breath and continued. “I don’t really run Hell. It’s all a giant shell game of the higher-ups. A deal Dad struck with the real masters of Hell a long time ago, back when Uriel and I were friends. I’m just a figurehead who got in over his head and our fathers came to this solution. I screwed up and cost Hell a chunk of their lost souls …
that they weren’t using,” he added quickly, knowing that defence hadn’t saved him all that time ago when he was brought back to Heaven in chains amidst the very angry Highborn Hellions. “And a deal was struck between them. I had to pretend to rule Hell so that evil-doers had somewhere other than Heaven to go.”
Lucifer looked down at her wide eyes and wondered if he had already said too much. But, as the saying went,
what the hell. He kept going. “And Hell got the double bonus of extra souls to torment and all the power that came from the belief that I ruled Hell.”
“That’s not fair.”
Lucifer’s laugh was hollow. “That’s the point, kid. The Highborn Hellions don’t do anything fair. The deck is ALWAYS stacked in their favour.”
“What would have happened to you, if this deal wasn’t made?”
Lucifer blinked again. He had never really thought about that. “I’d be dead, I guess,” he said.
The little girl smiled. “Then Heaven did get something else out of it. The Almighty got to keep you, even if he had to send you away afterwards. You lived, after making a mistake that should have killed you.”
Lucifer turned away from her, staring at the brick wall of the girl’s basement.
Is that even … no, he told himself.
No … noo … He hates me. That’s why he exiled me. Salvaging a deal out of that screwup was a bonus. Getting rid of me was intentional because he hates me for not being like the rest of my rim-licking, goodie-two-shoes brothers and sisters. It was a mantra that had served him well since his exile. He could feel better about it if he hated them first and more.
“Maybe you’re right,” the girl said, causing him to look back over his shoulder at her. “You can’t make up with someone who already loves you so much he sent you away to protect you.”
Lucifer swallowed. He didn’t want this. He didn’t want to think as she did. But now that the nugget had been placed in his mind, he could feel it already growing. “Kid, do you mind if we pick this up another time?” he asked, no longer wanting to be there.
“Will you come back if I call?”
“Do you know how to toss a coin?” he asked.
When the girl nodded, Lucifer flicked her a very special coin. “Flip this in the air, darlin’,” he said. “I’ll be back before it lands to continue this talk.”
The girl turned it over and over in her hands. “Promise?”
“Devil’s honour,” he said, curling his fingers into the hellion sign that over recent decades had become a rock symbol. More lies to feed the machine.
Two steps later, Lucifer had teleported himself back to the biggest of his casinos in Vegas. He went to the drinks cabinet that lined a wall and took down a bottle of Macallan ’52 and broke the seal on it. Then he walked out onto his balcony that overlooked the strip, though it wasn’t the bright lights that drew his attention.
No, as he tipped the bottle to his lips, his eyes went to the night sky overhead.
* * *
((All comments welcome))
For more of my work including WPs: Angel466 or an index of previous WPS
here GTA Online Mega Guide and Weekly Simple Question Thread
submitted by BryonyBot to gtaonline [link] [comments]
I work at a crooked casino. You don't gamble with money here.
Hi, everybody. My name is Sid, and I’m an addict.
It took me a long time to accept that. But when you take a job in a casino just so that you can be there all the time and try to gain an edge, you’re an addict. It’s obvious even to me. More so to my family and friends, who I barely see anymore.
It’s not pills or coke, booze or heroin that I’m hooked on. I’m addicted to gambling.
The casino that made me so obsessed is not an ordinary one, though. It’s far from ordinary.
You don’t play for money at Fantasy Casino. You play for your dreams.
I hear you laughing.
But have you ever had a really, really great dream? One that got so good you snapped awake the second it started to get really excellent?
Well, imagine that times a thousand. Times a million.
A dream so real and so perfect that all of your fantasies become reality. Time stretches out. You feel like you are there forever. A lifetime passes before your return.
Infinite wealth, the ability to fly like superman, you’re surrounded by sex and beautiful people all day as you relax in a palace built to your mind’s most exacting specifications of perfection.
But then you wake up, and in an instant it is gone.
The power, the wealth, the endless sex and supernatural powers.
Everything is suddenly NORMAL again.
And so you go back to the casino.
I went back to the casino.
But the problem with gambling is that you don’t always win. And when you lose, suddenly the winnings are gone as well, vanished without a trace. All I knew was that I had to have that feeling again.
So I went inside the giant building and then followed the secret signs which led to a door that led to a staircase going downwards.
I went down the stairs and knocked on the door marked “Private” and waited for an answer.
“Password.”
The voice on the other side of the black door waited for my response.
“Seramth Gin.” I said the unnatural words carefully and deliberately, still not knowing their meaning.
A friend had told me the password, a fellow gambler who I would later find dead in his apartment. His corpse white, bloated, and maggot-infested.
His eyes were black and filled with blood which streamed from his eye sockets like tears. He had bit his tongue clean off and his fingernails were found lodged in various surfaces throughout his apartment. Like he had been trying to claw his way out of a steel box that only he could see.
But I’m getting ahead of myself. That was later. At this point I was still hopeful for another wonderful dream. Still thankful for his advice to seek out the place.
The door opened and I walked inside. It was the same as it had been the day before, only less busy at this time – still early afternoon.
I approached the table I had been sitting at the night before.
Poker – Texas Hold ‘em: Ten dream limit – the sign read.
The rules were simple. You got a stack of chips. If you doubled them, you received a dream. If you lost them, you lost a dream.
I wasn’t concerned about losing dreams yet, I still didn’t understand exactly what that meant.
When I lost my first stack of chips, I quickly bought in again. And again. And again.
Pretty soon I realized I had lost eight dreams with no winnings whatsoever. I was in a slump. A losing streak.
I decided to go home and count my losses. Literally, since I had no idea what that even meant.
As I got up to leave the table, the dealer looked at me. His eyes were remorseless and cold.
“See the cashier on your way out,” he said, handing me eight black chips.
I gulped and walked over to the glass window where the cashier sat waiting. Handing him the eight chips, he raised his eyebrows and clicked his tongue.
“That’s a shame. Hold out your hand please.”
Two men in black suits came up behind me suddenly and stood on either side of me, intimidating in their stature and demeanour.
I did as he asked and held out my hand with the palm facing up.
The cashier pulled out a strange-looking device from beneath the counter. It had a vial of vermillion-coloured liquid at the top that was attached to the rest of it which resembled a gun with a hypodermic needle at the end.
I screamed and tried to pull away, but the two men grabbed me and held my arm through the window. Thrashing and elbowing them, I tried to get away but it was useless.
The cashier injected the stuff into my veins quickly and it felt cold and slimy going through my system. I could feel it suddenly in my heart, turning it cold and then up into my mind and my lungs and all extremities causing me to shake and violently seize. I writhed on the floor, blood pouring from my ears and my eyes.
Finally the feeling settled down into a numbness that prickled the insides of my blood vessels. It wasn’t until later, once I realized what the casino really was, that I found out what they had done.
I went home with the certainty that they had injected me with something. If winning had resulted in the greatest dream I had ever had – essentially an almost never-ending fantasy – what would happen after a loss?
Nightmares. That was what it would be. I was sure of it.
I settled into bed that night and closed my eyes, drifting off to sleep quickly after such an emotionally exhausting afternoon.
As soon as my eyes closed, they opened again and it was morning.
It felt as if I had not slept at all. My mind was fuzzy and it was difficult to focus. My eyes wanted to close again but my alarm was telling me that it was time to get up for work, so I hit the “dismiss” button and hopped in the shower.
I threw on my clothes and went out the door. At work I noticed a few people looking at me strangely, but I didn’t realize until someone pointed it out to me that my shirt was on inside-out. At this point I was still working in an office doing commodities trading and such lapses were frowned upon.
If you couldn’t focus enough to put your shirt on properly in the morning, how could you focus enough to get the work done in such a demanding environment? Millions of dollars changing hands with each transaction meant that such trivial things were put under a magnifying glass and coupled with other subsequent mistakes each following day after that, I found myself in the boss’s office by the end of the week being handed my walking papers.
Desperate for rest after days of not feeling any benefit from sleep, I went back to the casino.
They knew just by looking at me how to dig their claws in further. After a couple hours I had managed to win myself a dream.
They handed me the complimentary cocktail as they had the time before. I hadn’t realized the significance of it and still didn’t, despite the unusual vermillion colour of the drink. I swallowed it in one gulp and went out the door practically dancing and clicking my heels, ready to go home and feel rested again.
My dream that night was wonderful. Everything I had hoped for in many ways.
But not as good as the first time. I wanted that feeling back again.
Knowing that it was a dream the whole time and realizing that it was going to end seemed to shorten the fantasy, made it seem hollow and manufactured.
If I could win again maybe it would be like that first time, I thought.
The casino drew me in again and again. I found myself a zombie most days, exhausted, at my wit’s end. Ready to call it quits for good and say goodbye.
But then I would win again and it would all seem to be alright for a while.
My debt kept growing and growing with nearly every trip. The hypodermic needle would be plunged into my skin and every time they had to hold me down. Every time I would feel a little more empty. A little more hollow.
Waking up every day began to feel the same. Nothing had definition or purpose.
“You’re here all the time,” one of the goons whispered to me as they shot the needle into my vein the time after that. “Haven’t you figured it out yet? You should just get a job here and then at least you’ll be in on the secret.”
I applied the next day and got an interview with the boss. I would find out later that if you got someone to apply there you got a one dream bonus.
In his office, the well-dressed man was sitting behind a massive polished ebony desk. The room was adorned with paintings, sculptures, and other high-priced artwork. He had photos everywhere of himself shaking hands with world leaders, new and old, for hundreds of years.
His face never changed. Never aged.
“So, you want to work with us? Tired of dreamless nights without end? You want to have some relief, is that it?”
“Yes. Please. Anything. I’ve been coming here for so long and it’s an endless cycle. I want back what I’ve lost but I keep finding myself more and more in debt with each visit.”
“Ah, so do you understand it now, then? What the ‘injections’ are?”
It finally dawned on me, sitting there. Not injections at all. They weren’t putting something in us. They were taking something out. The vermillion-coloured liquid in the vials – our dreams.
“If I take a job with you, will the same rules apply? Will they still take my sleep, my rest, every time I lose?”
“Yes. We can’t have the employees living by different rules than everyone else. But we will give you an alternative injection, so that you feel well-rested when you come in for your shift.”
“I’ll do it. I need to rest. I need to get some meaningful sleep. My life has been miserable ever since coming here.”
“Well, I can’t promise that this will help,” he said, getting up from his desk with a hypodermic gun in his hand. The vial of fluid sitting atop this one was jet-black and looked evil and poisonous. He rolled up his sleeves as he primed it and I watched a few beads of it drip oil-like out of the tip of the needle.
“What the hell is that!? I don’t want that stuff in me!”
“But you need to sleep, my dear worker. I can’t have you passing out at the blackjack table like a narcoleptic! You agreed to this, after all. You wanted to rest, and the only way for that to happen is for you to have SOME sort of dream. Not everyone is as lucky as you, you know. To have that wonderful vermillion fluid in your veins. Some people come to us begging to take it from them. Some of our employees for example, the ones who do the recruitment for us, are full of this black stuff.”
“What?” I had gotten up from the chair and was backing away from him towards the door. But I found it was locked as he approached.
“First you have to tell me the password, Sid.”
“Seramth Gin.” I said the words that I had said every time to gain access to the casino, only this time I pictured the letters and rearranged them in my mind.
“Nightmares.”
He smiled as he injected me with the vial of black hate, and it went into my veins feeling hot and unpleasant. I began to sweat and the beads of it turned cold on my skin as I shivered.
I’ll sleep tonight. I might even wake up feeling rested. But as long as I live and work at that casino, I’ll be afraid to dream again. Because now my unconscious hours are occupied by the most terrifying experiences imaginable. Nightmares beyond imagining in their awfulness. That is my fate.
Unless… Just maybe, I can win one more time.
JG TCC GTA Online Mega Guide and Weekly Simple Question Thread
submitted by BryonyBot to gtaonline [link] [comments]
GTA Online Mega Guide and Weekly Simple Question Thread
submitted by BryonyBot to gtaonline [link] [comments]
I never thought my work injury would cause me so many issues in PSO2 socially
The biggest problem I've ever had with MMO's?
The other people.
I started playing PSO2 back in May. Found a work around for getting the game here in the UK early, and what with being on furlough due to the current pandemic, I sank a lot of time into it. I'd played Phantasy Star 2 on the Megadrive and a little bit of PSU back in the 360 days, so was excited to give it a go. However, there was an issue...
Last year I sustained an injury at work (an accident involving machinery...) resulting in my index finger and middle finger on my right hand being semi-paralyzed. Basically, I can very slightly move them sometimes, but I wouldn't rely in them to do anything. Occasionally my thumb seizes up too, so I can't exactly rely on that either. If I attempt to use any of those digits extensively, I get bad pains and cramps along the back of my hand. Isn't permanent nerve damage fun? I've had various physio sessions and am on a repeat prescription for painkillers, but I will never have full use of my right hand ever again, and yes, it was my dominant hand.
It's an ongoing struggle to not let it rule everything I do, but obviously I've had to make a lot of lifestyle adjustments. The most relevant one here being how I game. I'm very much a console gamer. Turn based JRPG's are now my best friend. Classic Final Fantasy, Dragon Quest and Pokémon remain very much unchanged, just at a bit of a slower pace. Everything else... When I booted up a new game, usually the first thing I do (if the option is available) is to crank the game up to the highest difficulty. I just find games more fun if there's a fair challenge. Let me... try my best to describe how I use a controller now for the longest and easiest gameplay. I rest the whole controller on my thigh. So left hand, as you'd expect, left hand is fine. Right, I use the palm of my hand to control the right thumbstick (thankfully most games, just the camera). A thumbgrip on the stick makes this easier than you'd think. My ring and little finger do all the rest, so on an Xbox controller that's A,B, X, Y and the two R buttons. I'll use my left hand if I need to use the Menu button. It's really not easy, and whilst I'm learning to get used to it, it is still a struggle, and my days of hardest difficulty are long over.
Now back to PSO2...
There's many different ways to play and enjoy the game. Explorations and ARKS quests are no real issue for me, Casino sessions are a ridiculous amount of fun, I love the story, and fashion... DAMN, I love CASTs. Urgent Quests... For the most part, I'm actually OK with it. Mining Bases and Gone With the Wind and Rain were my first few UQs at max level (75 at the time).
I play Braver. Initially this was because in games where you can choose a class like this one, I've always favoured bows and quick melee weapons. Braver appealed to me. I stuck to this class because Morning Mistreaver combined with the Katana Combat invincibility is very forgiving for my ailment.
Dark Falz Elder I remember being the first one I died a lot in. I majorly ticked off my alliance at the time with how badly I was doing. I decided to explain my injury in the alliance Discord, hoping they'd just keep it in the back of their minds when they played with me. What happened next... My alliance basically split in two with me. Half I expected, the other half I didn't.
So one half did exactly what I feared an shunned me. Wasn't allowed in any triggers, was never invited to the UQs, wasn't even allowed to come along for VHAQ and SHAQ's which I had no real issues with. I was sad but I can't expect serious end game players to bring along a player with a handicap. What bothered me was that people who I had banter with in the lobby now would no longer even talk to me. That hurt.
The other half... I became a charity case, or maybe a challenge? People would take me, but encourage me to just be there. I was being prompted to be carried. UQs would come along, not even Elder, and alliance chat would have people telling me they don't need a 4th so I can 'tag along and watch'. Also, some people started talking to me in layman's terms, or over explaining things, talking to me as if I had a mental disability. No offence to people who do of course, but my disability is physical. I know how to augment and I research the market and drops to see what gear is best. I don't need someone telling me to 'imagine your weapon is a pet. You want your pet to grow big and strong, don't you? So you need all these vitamins to feed him to make him the best he can be! So get these other weapons with the vitamins you need, and you can get an even better weapon for yourself!'. I wish I was exaggerating... as I sat there with my Nemesis Cougar with 6 augments I did myself including ARKS Max and Apprentice Soul (which if you remember back then was a big deal).
I left that alliance, switched the blocks I frequent and moved on. I joined a new alliance and told myself I wouldn't tell anyone else about my hand. I'd rather have people just think I was a bad player. I ended up just joining randoms for the boss UQs from now on. It stayed this way for a long time... until the Fellwyrm. Before the first time it popped up, I was already chilling with fellow alliance members in the lobby. My plan was to break off when the emergency announcement went up, but received a party invite from an alliance officer before I could. I decided what the hey and accepted, figuring I could play it off as a new UQ and that I'm not sure how it works if I died a lot. I made the mistake of saying as a joke 'Sorry if I die, new UQ, gotta learn it! XD', to have the officer say they're a JP vet, explaining the basic outline and giving a few tips. It was genuinely quite helpful, and I only died twice! Then I learned it was a 2 part quest...
Yes, I had attempted Deus Esca with randoms before this one, and yes, I was responsible for 4 of the 5 deaths (2 of the people in the party blocked me afterwards). I told myself OK, not going to burden anyone with part two any more, that's unfair to others. I tried to back out of my party before the second half, saying I didn't want to do it, I'll make us reach the death limit, to be told there wasn't one. I left the party to be re-invited into it... So because (I thought) I got on well with the officer, I decided to go for it. We... ran out the timer. Granted, not just my fault (another member of the party wasn't fantastic either), but I got singled out by the officer for the blame on it as they noted I was pretty much just using one photon art (Morning Mistreaver. It does good damage and helps with aim and gap closing, genuinely so helpful) and rarely if ever used my bow. I met the ugly side of this officer and was asked to give a public apology and an explanation for my actions, as I had now 'deprived 3 members of the alliance a proper experience with the Urgent Quest'. There was even talk of me compensating them with Meseta. I tried to plead my case that I did say and try to leave (with one party member thankfully taking my side in that one), and even contemplated explaining my condition... but instead just logged off. I was pinged many times in Discord, but muted. When I logged into PSO2 the next day, I was no longer a member of the alliance, and had a Discord PM from the leader (who was offline during this UQ) saying they heard I had purposely gone out of my way to deprive my fellow members of a good experience, with logging out (to escape abuse) apparently solidified I did it out of spite.
I decided to go at it as a solo player, and told myself I'd never do another UQ.
I changed blocks again but... This time I found it hard to socialise with anyone. If people would chat to me, I would go quiet, bolt if asked to join anyone for stuff, and often pretend to be AFK and just lobby watch, forever torn between wanting to join the fun and not wanting to spoil it. I also made an Alt as Summoner class in hopes that maybe that class would work out better for me, and honestly it probably does but I find it such a dull class to play. Just a personal preference.
I do log into this game everyday. That can be a full session, or can just be 15 mins or so to knock out the daily missions. One day whilst I was lobby watching in a popular block, I actually jumped on a conversation when people were talking about Phantasy Star 2 on the Megadrive. There's lots of players who have been playing Phantasy Star since the Dreamcast, but it's less common to find people from the old bit days. Turns out the people in the conversation were in an alliance together, one of which being the leader. They invited me to join. I hesitated at first, telling them I hadn't had much luck with the social side of things. They told me they were a chill alliance, and a bonus is the leader and a lot of members were UK based, so no problems with time zones matching up. I went for it... However I still had issues socialising.
I often still lobby watched. I think subconsciously I didn't want to build up more social connections to have them severed again by my abilities. Honestly I'm not bothered about going to UQs, I'm more upset that the social aspect of the game is being hindered because of my ailment. We were in the second or third week of Halloween events when I joined this alliance, making Trick or Treat my first UQ since the dragon. It was a pretty easy one too, had a lot of fun with that one.
This alliance liked to have characters of NPC players too, spurring me to make one and try out ranger class. As much as I love my braver, Ranger class actually works stupidly well for me too, and honestly I don't know why I didn't try it sooner.
And yet despite this, I still couldn't find it in myself to properly be social again. I'd see events in Discord and say I was going to join in but then just didn't. I tried joining in with more NPC shenanigans but...
It was like my mind was telling me to back off before I was shunned again.
We had a lot of alliance drama completely unrelated to all that recently. It involved a rift in the officers and the leader leaving and taking most of the other members with them. To my dismay it was pretty much all the UK players that left, meaning I'd now often be logging out as all the alliance events were happening. I wasn't scouted for the new alliance. I guess I wasn't social enough, but to be honest I don't think I would've joined anyway due to my views on how the ordeal went down.
I want a 15* fancy weapon, so I've been braving the Persona UQ. To be honest I think I'm definitely getting used to it all, I'm managing to get through it with no deaths on both my Braver and my Ranger. I even decided to run with the alliance again... which got me invited to a 4 man trigger. Yes, I died a lot, but I needed that void stuff. To be honest, the alliance reacted very well to it, not bothered at all that I was down a lot. I took myself out of the equation for future 4 man triggers, but was pleasantly surprised that there was no backlash. The only thing that's bothering me is I'm getting advice on skill trees and tactics that I can't pull off, but that's nothing major. Hope they're not expecting to see any improvements.
This now small alliance is so different to the others I've been in. Maybe they'll react differently to my ailment, and I'm concerned that if I don't say anything that I may get pushed out. Should I tell them? I'm contemplating confiding in my alliance leader first and then seeing how they react, but then if they react negatively that could affect my position. I don't want to switch social blocks again, I'm enjoying the social atmosphere of the game again. Maybe I'm overthinking it, and these bad experiences I should just disregard as isolated incidents, but then I think of how well I got on with people in my previous groups before they found out about my ailment and/or how bad I was at the game.
What do I do? I genuinely don't know any more.
I guess what I'm trying to say is don't treat people badly for not being great at the game, and remember that the social aspect can be taken separately to the core game. You never know what your actions will do to people long term.
submitted by MusingsIfYouWill to PSO2 [link] [comments]
$BFT (FoleyTrasimene II), SPAC to become Paysafe
I think that this one has been under-reported somewhat but since I work in the online gaming industry, it showed up on my radar.
This SPAC has reached a deal to bring back Paysafe to the market, at a valuation of 9 billions.
What is Paysafe? Paysafe Group has been consolidating the market for e-wallets and alternative payment methods for years and went back into private hands 3 years ago.
They regroup all the main e-wallets used for online gambling and Forex: Skrill and Neteller and also prepaid cards (to be bought in 7/11 and the like) under the Paysafe brand.
Why e-wallets matter in the online gambling market? E-wallets and prepaid cards represent about 25% of the volume of payments in online gambling in UK, Europe, Canada and Skrill/NetellePaysafe are by far the biggest names in this field.
https://www.fisglobal.com/-/media/fisglobal/WorldPay/Docs/Miscellaneous/Gaming%20Payments%20Report%202019 Neteller and Moneybookers (as Skrill was known then) were dominating the US alternative payment methods gambling market in the US before they got pushed out in 2007. They still have high name recognition amongst the gambling crowd and web searches in the US for these brands remain high, even if they can’t process much transactions there for gambling since many states don’t have online gambling legislations yet, or very limiting ones.
E-Wallets are often the preferred payment method for gamblers since it allows to move money from one operator site to the other quickly and cheaply. They can also use it as a bankroll segregated from their main bank account/CC and on top of that, Paysafe offers loyalty benefits to users based on their transaction volumes. As such, their user retention is very good.
The prepaid card business is also a major factor for this stock attractiveness. Prepaid cards to be bought in gas stations or the like are often preferred by gamblers who want to strictly control their gambling or those who don’t have access to a CC (maybe because they gambled too much) or those that prefer cash transactions out of privacy concerns…
Why not invest in the gambling operators instead? Operators such as Draftkings or legacy casino groups are going to make money but the regulatory environment is harsh and gambling taxes are crazy in some states and might keep going higher.
Moreover, the regulations being so fragmented, many smaller operators push in certain states and not others and the competitive environment is broad. Remember that gambling is a fungible good. There is no difference in the casino games that the operators can offer (same game studios, same rules) and aside from bonuses and the margins on sports bets, the only differentiation is in branding, which is a thin moat on a product that often leaves the users disgruntled (losers).
Payments on the other hand are not taxed for their relationship to gambling and there are far fewer players.
How does Paysafe make money? The margins on their products are pretty high and Paysafe charges both sides of the transaction in the case of the e-wallets and the merchant side in the case of the prepaid cards.
For the use of Skrill and Neteller wallets, Paysafe charges on average 4.5% on the merchant side for deposits and a whooping 9.9% on deposits with prepaid cards… Larger merchants certainly can negotiate these rates down but this is still a healthy fee, much higher than credit card processors.
In markets where Paysafe has established domination they charge a small deposit fee to the user and a withdrawal fee.
For now, they charge no fees to the US users in a bid to grow market share surely but that will probably end some day.
Growth opportunity: For now, the US online gambling market is still very limited. Most states have not legalized, the majority of those who have legalized only did so for sports betting and then a handful have legalized online casino gaming (where the real money is made). The opening up of the market is bound to grow as states need money and more of the world moves online.
https://www.playusa.com/us/ It is estimated that the online gaming market could reach 25 billions a year in the US in a few years time and 150 billions worldwide.
https://www.gminsights.com/industry-analysis/online-gambling-market#:~:text=The%20North%20America%20online%20gambling,CAGR%20during%20the%20forecast%20period.
https://www.grandviewresearch.com/press-release/global-online-gambling-market These revenues do not equal to deposited amounts, they equal net deposits (deposits minus withdrawals). The hold % of online casinos can be anywhere between 50% and 80% depending on how degenerate the market is in a given country but we can conservatively assume 60%.
This means that deposits volume in the US alone would reach about 40 billions, Europe about 50 Billions and worldwide 250 billions.
That should give Paysafe around 8-10 billions in transaction volume per year in the US alone , another 10-12 billions in Europe and conservatively, another 20 billions worldwide.
Valuation estimates: Rough estimates are therefore revenues of about 1.5 billions per year for Paysafe group in a few years for gambling alone.
Paysafe claims 1.5 billions in revenues total projected for 2021, with only a third from gambling.
Even assuming no growth from the other verticals, this means that the total revenues of Paysafe should grow by 66% with gambling alone in the next 5 years or so.
Pysafe is investing a lot into expansion in other areas than gambling, notably video-gaming and remittance so assuming they don’t fuck it up completely, we are likely to see a 3 billions dollar in revenues in the next 5 years.
Using Paypal’s marketcap vs revenues, that would mean 50 billions in marketcap for Paysafe… Of course, Paypal is ingrained deeply in the whole of ecommerce and Paysafe is more specialized in gambling which might be shakier and herefore command a lower valuation.
The deal details are not fully known but it looks like a current valuation of 9 billions for Paysafe Group upon listing.
Based on my estimates, the marketcap could reach 50 billions in a few years time, one US market for gambling fully opens.
$BFT is trading at a 25% premium right now, therefore the estimate is 4x on investment over a few years.
Obviously you retards are not the most patient bunch but I believe the stock will jump when it morphs and so keep an eye out for the options.
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