xiao Casino & Sportsbook Terms

Account opening on xiao requires email verification, identity confirmation (KYC), and selection of a deposit method. By registering with xiao, you agree to these terms, acknowledge that our services are available only where local law permits, and accept responsibility for verifying compliance with your own jurisdiction's regulations.

We operate a unified platform offering football sportsbook (Liga 1, Piala AFF, Champions League), live-dealer tables (blackjack, roulette, baccarat, Dragon Tiger), slots (Aviator, Sweet Bonanza, Gates of Olympus), and esports markets (Mobile Legends, Free Fire, PUBG Mobile). Each game type has distinct settlement mechanics; all settle fairly under certified random number generators or live event outcomes. Deposits and withdrawals are processed through DANA, e-wallet, mobile banking, local payment, and bank virtual accounts (online payment, e-wallet, mobile banking, local payment).

These terms explain your rights and obligations as an xiao account holder. We enforce them consistently; violations may result in account suspension or closure and forfeiture of funds. Our support team (available in English during business hours) can clarify any clause.

Account opening and verification on xiao

When you join xiao, we collect your email address, full name, date of birth, and identification document (ID card or passport). This information is encrypted and stored securely; we use it solely for account verification and regulatory compliance. We do not share it with third parties.

You must be of legal age in your jurisdiction to hold an xiao account. We conduct automated checks to verify this; if you are flagged as underage, your account is closed and any funds are returned to your source payment method.

Your xiao login credentials are yours alone. You are responsible for keeping your password confidential. We recommend changing your password regularly and enabling two-factor authentication (2FA) if available. If you believe your account has been compromised, change your password immediately and contact support.

• 1
  Email verificationStep 1

  You receive a verification link; click it within 24 hours to confirm your email address.

• 2
  Identity document uploadStep 2

  Upload a clear photo of your ID. Verification typically completes within one business day.

• 3
  Select deposit methodStep 3

  Choose DANA, e-wallet, mobile banking, local payment, or a bank virtual account to fund your xiao wallet.

Deposits, withdrawals, and our xiao payment policy

We accept five deposit categories: e-wallets (online payment, e-wallet, mobile banking), universal QR codes (local payment), and bank virtual accounts (online payment, e-wallet, mobile banking, local payment). Deposits settle within seconds to subject to verification depending on your chosen method. Your xiao wallet updates in real-time once settlement is confirmed.

Withdrawals return to your source payment method. If you deposited via online payment, withdrawal funds land back to e-wallet within subject to verification. If you used a mobile banking virtual account, funds return to your local payment account within 1–3 hours depending on banking clearing windows. We do not charge withdrawal fees; your bank may charge a small transfer fee.

We do not accept deposits or process withdrawals outside our listed payment methods. Requests via bank transfer, cryptocurrency, or third-party processors are rejected. Do not attempt to bypass our payment system; doing so may result in account suspension.

Game rules and settlement on xiao

Live-dealer tables operate 24/7. Settlement is per hand; each round is final upon dealer confirmation. If a technical glitch interrupts a round (server error, connection loss), the hand is replayed from the point of interruption. You are not charged for a replay.

Slot games (Aviator, Sweet Bonanza, Gates of Olympus, Fortune Tiger, Mahjong Ways) settle per spin using certified random number generators (RNG). Each spin is independent; previous results do not influence future outcomes. All payouts are final; no refunds or replays are offered unless a technical malfunction is confirmed.

Esports bets settle within hours of match completion. If a tournament is cancelled or postponed, xiao refunds all unsettled bets on that event. If a match result is officially reversed, we adjust all related bets accordingly.

Bonuses, promotions, and our xiao policy

We do not offer faonline paymentcated bonuses or false advertising. Any promotional offer we publish (e.g., new-account deposits, loyalty rewards) comes with clear terms: eligible games, wagering requirements if applicable, and expiry dates. Bonuses are credited to your xiao account and cannot be withdrawn directly; they can only be used to place bets or play games.

We reserve the right to cancel or modify bonuses at any time. If a bonus is abused (e.g., rapid deposit-and-withdrawal cycles designed to extract the bonus value), we may claw back bonus funds and suspend the account.

Promotions tied to specific holidays (Idul Fitri, Idul Adha, Imlek) are advertised in advance with clear end dates. We do not roll over unused bonuses to future periods.

Dispute resolution and account closure on xiao

If you dispute a settlement, contact our support team via in-app chat within 7 days of the transaction. Include your account ID, transaction date, and specific concern. We review all disputes within one business day and provide a substantive response within 3 business days.

If xiao confirms a settlement error, we correct it and credit your account. If we confirm the settlement was correct per our published rules, no adjustment is made. Our settlement decision is final; no further appeals are accepted.

You may close your xiao account at any time by submitting a closure request. If your account has an outstanding balance, we initiate a withdrawal to your registered payment method. Closed accounts cannot be reactivated; you must register a new account if you wish to return.

Jurisdiction and legal notice

xiao operates under the framework of supported jurisdictions. Our services are available only where local law permits online gaming and sportsbook activity. Users in Jakarta, Surabaya, Bandung, Medan, and other cities are solely responsible for verifying that their access to xiao complies with their own jurisdiction's law.

We do not provide legal advice. If you are unsure whether xiao is available in your region, consult local regulations or a legal professional.

xiao may modify these terms at any time. We will notify you of material changes via email or in-app notification. Continued use of xiao after notification constitutes acceptance of the updated terms.