- **Board**: 48 tiles on a 13 by 13 square loop.

- A turn is one player's active move. Rolling doubles creates an immediate extra turn for that same player.

- A turn left idle can be ended by the table after 5 minutes so the game keeps moving.

- Fill the table: as the owner, add Base, Advanced, Thinker, or Smart bots to any empty seat, then start once at least two players are seated.

- Portrait or landscape: the board plays both ways. Held upright it stacks in a single column; turned sideways it splits, so the whole board fills the left of the screen at full height while the turn banner, players, and controls move to a panel on the right. Flipping upside down still works, and the lobby and menu screens stay portrait.

The game supports both bank loans and peer-to-peer loans, and you always take them out yourself: the bank never advances a loan to a human player automatically. Bank loans are drawn from the ATM pool, and both bank and player loans run on game revolutions — the term advances only once every active player has passed Payday, so lapping the board faster than the table never shortens what you owe.

- You choose how much to borrow from the bank, from 10,000 SFR up to your available limit — which starts at 350,000 SFR and can grow later — in 1,000 SFR steps, repaid with 10% interest after 3 game revolutions; only one bank loan can be open at a time.

- If a mandatory payment is larger than your cash, the game pauses your turn so you can raise the shortfall — borrow, mortgage, sell units, or trade — or declare bankruptcy; nothing is auto-borrowed on your behalf. Only bots borrow automatically, and only to keep the game moving.

- When a player-to-player loan reaches maturity, the borrower owes principal plus interest at the start of their next turn.

- Lenders can demand early repayment, but doing so cancels all interest and leaves only the principal due.

- A property becomes renovatable once you have owned it for at least 3 game revolutions (a revolution passes once every active player has reached Payday).

- You can renovate up to 3 times before a mandatory break; after that you cannot renovate any property until 2 more game revolutions have passed, then the allowance resets. Your remaining renovations are shown on your player card.

Some cards are bought rather than drawn, and they wait in the Purchased cards panel of the asset manager until you choose to use them. Insurance is always on sale there; the three special cards are bought only at their home tiles.

Every card in this panel can be traded between players like any other asset, and each returns to the shared pool once it is spent, ready to be bought again.

- Insurance cushions a mandatory payment. The first costs 1,000,000 SFR and the price doubles with each purchase; it is spent only when a player chooses to cover a payment they cannot otherwise settle in cash.

- Exception: the Mathree card about rushing to the county jail to bail out your friend is only movement to the Jail tile, so it counts as just visiting.

- A mugging costs a random 5% to 15% of your cash, rounded to the nearest 1,000 SFR.

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Landing on 9to5 hands you a job task: land on a named tile, or on up to four tiles in a set order, before the deadline. Pull it off and your next salary carries a bonus; miss it and you lose part of your next salary.

- Multi-stop tasks must be done in order, and each stop counts only once: landing on a later stop too early, or on a stop you have already reached, fails the task on the spot.

<tr><td align="center"><img src="https://mtaani.nordkisel.com/art/tile/33.svg?edition=ke" alt="Mathree" width="96"><br><strong>Mathree</strong><br>_{Draw a Mathree card that moves you to a specified tile.}</td><td align="center"><img src="https://mtaani.nordkisel.com/art/tile/39.svg?edition=ke" alt="Mtaani" width="96"><br><strong>Mtaani</strong><br>_{Draw a Mtaani card with a positive or negative financial effect.}</td><td align="center"><img src="https://mtaani.nordkisel.com/art/tile/21.svg?edition=ke" alt="9to5" width="96"><br><strong>9to5</strong><br>_{Draw a 9to5 task: land on the named tile (or up to four tiles, in order) before the deadline for a salary bonus, or lose part of your next salary. You can hold two tasks at a time, and a task another player already holds cannot be drawn.}</td><td align="center"><img src="https://mtaani.nordkisel.com/art/tile/5.svg?edition=ke" alt="PAYE" width="96"><br><strong>PAYE</strong><br>_{Pay 35% of your cash balance.}</td></tr>

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The rule takes effect immediately when you set it and lasts until the next revolution is completed.

<tr><td align="center" valign="top"><img src="https://mtaani.nordkisel.com/art/tile/30.svg?edition=ke" alt="SGR" width="112"><br><strong>SGR</strong><br>_{Base fee: 25,000 SFR<br>Mortgage: 200,000 SFR<br>Unit cost: 250,000 SFR}</td><td align="center" valign="top"><img src="https://mtaani.nordkisel.com/art/tile/42.svg?edition=ke" alt="Kenya Airways" width="112"><br><strong>Kenya Airways</strong><br>_{Base fee: 56,000 SFR<br>Mortgage: 320,000 SFR<br>Unit cost: 520,000 SFR}</td></tr>

Insurance cards are always on sale in the asset manager, with the first costing 1,000,000 SFR. Every time an insurance card is bought, the price doubles.

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- A bank run sweeps the city and the bank immediately calls in every outstanding ATM loan.