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US market intelligence

Nine states.
$35B+ in annual lottery sales.
Nine math envelopes. Nove estados.
$35B+ em vendas anuais.
Nove envelopes matemáticos.

Every US lottery and charitable-gaming jurisdiction Kobow models, delivered as a market brief. Annual sales, product mix, per-capita demand, regulator posture and the specific AI opportunity each jurisdiction unlocks — the same MadLab spine scaled across nine markets. Cada jurisdição US de loteria e charitable-gaming modelada pela Kobow, entregue como brief de mercado. Vendas anuais, mix de produto, demanda per capita, postura regulatória e a oportunidade específica de IA em cada jurisdição — o mesmo eixo do MadLab escalado em nove mercados.

Modeled US sales
$35.4B
Aggregate FY23/24 ticket sales across the nine modeled jurisdictions.Vendas agregadas FY23/24 nas nove jurisdições modeladas.
Instant ticket share
~68%
Scratch & instant-win dominate the modeled mix. The Kobow spine optimizes exactly that.Scratch e instant-win dominam o mix. O eixo Kobow otimiza exatamente isso.
iLottery growth (YoY)
+18–25%
In iLottery-authorized states. Second-fastest regulated-gaming category after sports.Nos estados autorizados. Segunda categoria regulada que mais cresce.
Beneficiary flow
$11B+
Net revenue to education, veterans, charities and general funds across modeled states.Receita líquida para educação, veteranos, caridade e fundos gerais.
01 · Per-state market briefsBriefs por estado

Every jurisdiction has its own economics. Click through to the full stack. Cada jurisdição tem sua própria economia. Clique para o stack completo.

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CA · California State Lottery Commission

California Lottery

FY24 · 39M residents · Beneficiary: public education
Annual sales
$9.4B
Per capita
$241
Instant share
69%
Instant dominant Mature market No iLottery (law) GLI-11 · GLI-19 · GLI-23

Largest US state-lottery market. Scratchers ~$6.5B. Draw games ($2.9B) include SuperLotto Plus, Fantasy 5, Daily 3/4, Powerball, Mega Millions. No iLottery — blocked by CA Penal Code 320.5 and the CA Lottery Act. Retail-only, 23,000+ traditional retailers statewide.Maior mercado de loteria estadual dos EUA. Scratchers ~$6.5B. Draw games ($2.9B) incluem SuperLotto Plus, Fantasy 5, Daily 3/4, Powerball, Mega Millions. Sem iLottery — bloqueado pelo CA Penal Code 320.5 e pelo CA Lottery Act. Varejo apenas, 23.000+ pontos tradicionais.

Kobow opportunity 1.2B+ Scratchers printed annually. AI theme pipeline cuts the creative cycle ~40% and enables data-driven variant testing at retail. Zero regulatory friction — instant-ticket art is not wagering content.1,2B+ Scratchers impressos/ano. Pipeline de tema por IA reduz o ciclo criativo ~40% e permite teste de variantes no varejo. Fricção regulatória zero — arte de bilhete instantâneo não é conteúdo de aposta.
CA Lottery FY24 Annual Report
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MI · Bureau of State Lottery

Michigan Lottery

FY24 · 10.0M residents · Beneficiary: School Aid Fund (~$1.4B/yr)
Annual sales
$5.1B
Per capita
$510
iLottery sales
$2.2B
iLottery since 2014 Highest RTP ceiling Omnichannel proven GLI-11 · GLI-19 · GLI-23

The blueprint for US omnichannel lottery. iLottery revenue ($2.2B) is ~40% of total — second-largest iLottery program in the US. Retail instants ~$2.3B, draw games ~$600M. RTP ceiling pushes to 78% digitally; highest legal envelope in the country.O blueprint para loteria omnichannel nos EUA. iLottery ($2.2B) é ~40% do total — segunda maior iLottery US. Instants no varejo ~$2.3B, draw games ~$600M. RTP digital chega a 78%; maior envelope legal do país.

Kobow opportunity MI proves the thesis: physical ticket + digital eInstant cleared at the same jurisdiction speed. Kobow.GAIN shuffle + Kobow.Engine deck is the only pipeline producing both from one POSD output. Sliding RTP (68→78%) is where Kobow compounds.MI prova a tese: ticket físico + eInstant digital na mesma velocidade de clearance. Kobow.GAIN + Engine produzem ambos do mesmo POSD. RTP deslizante (68→78%) é onde o Kobow compõe.
MI Lottery FY24 CAFR · digital GGR breakdown
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VA · Virginia Lottery Board

Virginia Lottery

FY24 · 8.7M residents · Beneficiary: K-12 (Lottery Proceeds Fund)
Annual sales
$4.8B
Per capita
$552
iLottery sales
$850M
iLottery since 2020 Fastest digital growth iGaming auth'd 2020 GLI-11 · GLI-19 · GLI-23

Third-fastest per-capita lottery growth in the US. iLottery launched July 2020, now ~18% of total sales and growing 22% YoY. $1M digital top-prize ceiling keeps jurisdiction math clean. Strong instant mix (~55%).Terceiro maior crescimento per capita US. iLottery lançada em jul/2020, hoje ~18% das vendas e crescendo 22% YoY. Teto de prêmio de $1M em digital mantém a matemática limpa. Forte mix de instant (~55%).

Kobow opportunity VA's $1M digital top-prize rule forces deck-engineering discipline — exactly the constraint GAIN is optimized for. Kobow reduces the eInstant clearance cycle from ~14 weeks to ~6.A regra de $1M da VA força disciplina de engenharia de deck — exatamente a restrição que o GAIN otimiza. Kobow reduz o ciclo de clearance de eInstant de ~14 para ~6 semanas.
VA Lottery FY24 Annual Report
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NC · NC Education Lottery Commission

North Carolina Education Lottery

FY24 · 10.8M residents · Beneficiary: public education
Annual sales
$4.5B
Per capita
$417
iLottery (Y1)
$420M
iLottery since 2023 High-growth state Instant focus GLI-11 · GLI-19 · GLI-23

NCEL is the youngest major US lottery (est. 2005) and the fastest-growing in absolute terms. Digital iLottery launched Nov 2023; in its first full year it generated $420M — one of the fastest-scaling launches ever. Instants ~62% of mix.A NCEL é a mais jovem das grandes loterias US (est. 2005) e a que mais cresce em absoluto. iLottery lançada em nov/2023; gerou $420M no primeiro ano completo — um dos lançamentos mais rápidos da história. Instants ~62% do mix.

Kobow opportunity NC's young iLottery is greenfield for a math spine. Our Kobow.Engine POSD pipeline sets the system of record before technical debt accumulates. Three-year head-start window.A iLottery jovem da NC é greenfield para um eixo matemático. Nosso POSD pipeline define o sistema de registro antes da dívida técnica acumular. Janela de 3 anos de vantagem.
NCEL FY24 Annual Report · Q4 digital GGR
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NH · NH Lottery Commission

New Hampshire Lottery

FY24 · 1.4M residents · Beneficiary: NH Education Trust Fund
Annual sales
$607M
Per capita
$434
iLottery since
2018
First US iLottery (2018) Innovation leader Sportsbook-integrated GLI-11 · GLI-19 · GLI-23

Small market, outsize signal. NH was the first US state to authorize online instant games (2018); its iLottery spine became the template adopted by VA, MI-digital, and NC. First regulator to fully integrate sports-book + iLottery. ~18% of sales are digital.Mercado pequeno, sinal grande. NH foi o primeiro estado US a autorizar instant games online (2018); seu eixo virou o template adotado por VA, MI-digital e NC. Primeiro regulador a integrar sportsbook + iLottery. ~18% das vendas são digitais.

Kobow opportunity NH is where new mechanics get validated before national scale. Beta-launching a Kobow feature here is an 18-month signal that compounds across the other 8 US jurisdictions.NH é onde novas mecânicas são validadas antes da escala nacional. Beta aqui é um sinal de 18 meses que compõe nas outras 8 jurisdições US.
NH Lottery FY24 Report
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KS · Kansas Lottery

Kansas Lottery

FY24 · 2.9M residents · Beneficiary: Economic Development Initiatives Fund
Annual sales
$336M
Per capita
$115
Max top prize
$250K
Turnkey iLottery Tight envelope Outsourced stack GLI-11 · GLI-19 · GLI-23

Mid-size state, outsourced-first posture. The current iLottery stack runs through Oct 2026 as a turnkey service. Instants ~60%, draw games ~38%, Keno ~2%. KS moves slowly on envelope (top prize capped at $250K) but pays well for low-friction operational consistency.Estado médio, postura outsourced-first. Stack iLottery atual vai até out/2026 como turnkey. Instants ~60%, draw ~38%, Keno ~2%. KS se move devagar em envelope (prêmio máx $250K) mas paga bem por consistência operacional de baixa fricção.

Kobow opportunity Oct 2026 contract cycle = open RFP. KS is the exact jurisdiction where Kobow's daily-report operational model replaces an entire outsourced team. Entry point: bundled Engine + Studio + Intelligence on a 3-year turnkey.Ciclo de contrato em out/2026 = RFP aberto. KS é exatamente a jurisdição onde o modelo diário de relatórios da Kobow substitui um time outsourced. Entrada: Engine + Studio + Intelligence em turnkey de 3 anos.
KS Lottery FY24 Report
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ID · Idaho State Lottery Commission

Idaho Lottery

FY24 · 2.0M residents · Beneficiary: public schools + state buildings
Annual sales
$358M
Per capita
$179
RTP envelope
63%
Tightest RTP Instant-focused No iLottery (law) GLI-11 · GLI-23

Tightest RTP envelope of the nine states (63% standard). Every percentage point of payout matters — deck engineering is the discipline that wins ID. Instants account for ~$300M of the $358M total. No iLottery authorization (Idaho Code 67-7402 retail-only).Envelope de RTP mais apertado dos nove estados (63%). Cada ponto de payout importa — engenharia de deck é a disciplina que vence aqui. Instants ~$300M dos $358M. Sem iLottery (Idaho Code 67-7402 retail-only).

Kobow opportunity 63% RTP means operators must be perfect at deck math — zero payout room for error. Kobow's Monte Carlo envelope validation ships the highest-confidence mathematics of any lottery tool. ID is the stress test that proves the spine.63% de RTP significa que operadores precisam acertar a matemática do deck — sem margem de payout. A validação Monte Carlo da Kobow entrega a matemática mais confiável do setor. ID é o stress test que prova o eixo.
ID Lottery FY24 CAFR
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MA · Massachusetts State Lottery Commission

Massachusetts State Lottery

FY24 · 7.0M residents · Beneficiary: 351 cities & towns (local aid)
Annual sales
$6.1B
Per capita
$872
Instant share
72%
Highest per-capita US Instant-dominant iLottery pending auth GLI-11 · GLI-23

The most sophisticated scratch market on earth. $872/capita — roughly 6× the median US state. Instants alone ~$4.4B; the $30 and $50 Supreme-tier games drive margin. iLottery authorization is pending in the 2025 legislative session — when it passes, MA becomes the largest eInstant launch in US history.O mercado de scratch mais sofisticado do mundo. $872/habitante — ~6× a mediana US. Instants sozinhos ~$4.4B; os Supreme-tier de $30 e $50 puxam margem. Autorização de iLottery pendente na sessão legislativa 2025 — quando passar, MA é o maior lançamento de eInstant da história US.

Kobow opportunity Position now for the MA iLottery launch. Kobow's jurisdiction-aware math spine is the only tool that can run physical + digital on the same POSD without reconciliation. Winning the MA eInstant launch is a ~$1B/yr opportunity.Posicionar agora para o lançamento da iLottery MA. O eixo jurisdiction-aware da Kobow é a única ferramenta que roda físico + digital no mesmo POSD sem reconciliação. Ganhar o MA eInstant é oportunidade de ~$1B/ano.
MA State Lottery FY24 Report · 351 cities recipient data
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MN · MN Gambling Control Board

Minnesota Charitable Gaming

FY24 · 5.7M residents · Beneficiary: ~1,200 licensed charities
Gross gaming rev
$2.4B
Net to charity
$93M
e-Pull-tab share
~82%
Charitable gaming Largest charitable GGR e-Pull-tabs since 2012 MN Rule 7861/7864 · GLI-11/33

A completely different regime. MN charitable gaming (not a state lottery) runs $2.4B gross — more than most entire state lotteries — through 1,200+ licensed charities. Net to charity: ~$93M after prizes, taxes and expenses. The 2012 e-pull-tab authorization (Diamond Game cabinet fleet deployed that year) originally funded the Target Field / US Bank Stadium bond.Um regime completamente diferente. A gaming charitable de MN (não a loteria estadual) gera $2,4B bruto — mais que muitas loterias estaduais inteiras — através de 1.200+ instituições licenciadas. Líquido para caridade: ~$93M após prêmios, impostos e despesas. A autorização de e-pull-tab em 2012 (Diamond Game cabinet fleet) financiou originalmente o bond do Target Field / US Bank Stadium.

Kobow opportunity MN is the reference architecture for every other charitable e-pull-tab state (ND, MT, VA, OH, WA, WI, MO pending). Win MN's next cabinet-math RFP and Kobow becomes the category standard for a ~$5B-TAM national charitable segment.MN é a arquitetura de referência para todos os outros estados de e-pull-tab charitable (ND, MT, VA, OH, WA, WI, MO pendente). Vencer o próximo RFP de cabinet-math e a Kobow vira padrão de categoria para um segmento charitable nacional de ~$5B de TAM.
MN GCB FY24 Annual Report
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02 · Why this mixPor que este mix

The nine states span every US lottery archetype. Os nove estados cobrem cada arquétipo de loteria US.

Kobow's nine modeled jurisdictions are not a convenience pick — they deliberately cover every major regulatory archetype in North American regulated lottery: instant-dominant retail (CA, MA, ID), omnichannel mature (MI), iLottery-growth (VA, NC, NH), outsourced turnkey (KS) and charitable e-pull-tab (MN). Any 10th or 14th market a client needs to enter is a composition of these nine. As nove jurisdições modeladas pela Kobow não são uma escolha de conveniência — cobrem deliberadamente todos os arquétipos regulatórios da loteria regulada norte-americana: retail instant-dominante (CA, MA, ID), omnichannel maduro (MI), iLottery em crescimento (VA, NC, NH), turnkey outsourced (KS) e e-pull-tab charitable (MN). Qualquer 10º ou 14º mercado em que um cliente queira entrar é uma composição dessas nove.

Brief on any jurisdiction.Briefing em qualquer jurisdição.

Full MadLab-spine intelligence, per jurisdiction — product mix, competitive density, price-point sensitivity, GLI mapping, campaign strategy. Sample report on request.Inteligência completa no eixo MadLab por jurisdição — mix de produto, densidade competitiva, sensibilidade de price-point, mapa GLI, estratégia de campanha. Sample sob pedido.

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