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When the house wins, the post-fee remainder indexes to stakers as USD earnings on the share ledger. There is no on-chain reward-mode switch and no claimableChance inventory. You choose the form of the payout when you claim an unlocked earnings tranche. asChance = false pays USDG fee-free. asChance = true takes the same claim-as-CHANCE fees as a player win, then spends the net remainder buying CHANCE on the V4 pool and delivering it to your wallet. minChanceOut floors that net buy. Principal and earnings are separate legs on each tranche: claimStakerPrincipal always pays USDG; only the earnings leg can buy CHANCE.

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How earnings are booked

  • House-win remainder (after protocol / affiliate / buyback / protocol-bankroll cuts) hits accStakerEarningsPerShare.
  • accrueStaker (anyone can call it) checkpoints a staker: earnings-first remap toward principalTargetUsd, then mint unaccrued index USD.
  • Socialized player wins haircut underwriting capital pro-rata. Within a staker, earnings absorb that dollar loss before principal.
  • previewStakerPosition exposes the live split (principalTargetUsd, pending refill, pending yield, queued deposit).

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Claimed CHANCE and the transfer lock

CHANCE from claimStakerEarnings(..., asChance=true, ...) goes to your wallet through the distributor path and remains subject to the transfer lock - holdable and sellable via the V4 router, not freely transferable while the lock is on.
Staker earnings claimed as CHANCE are not the same thing as a player claiming a winning bet as CHANCE. Both buy on the V4 pool at claim time and deliver straight to the wallet. See Claiming.