Prosperity Tree Baccarat is a unique and engaging variation of the classic Baccarat game, developed by Evolution Gaming. Designed to offer an enhanced and dynamic gaming experience, this version introduces new features such as the Prosperity Round, which adds a layer of excitement with multipliers that can significantly boost your winnings. Played with eight standard 52-card decks, the objective remains simple: predict which hand, Player or Banker, will have a value closest to 9.
In addition to the standard betting options, Prosperity Tree Baccarat offers side bets such as Player Pair and Banker Pair, providing more opportunities for players to win. The game also introduces a 20% fee on all placed bets, which contributes to the unique betting structure. With a return-to-player (RTP) rate of 98.89%, this variation of Baccarat offers both traditional gameplay and innovative twists that appeal to players seeking something new in the world of online casino games.
Deck and Card Values
Prosperity Tree Baccarat is played with eight standard 52-card decks. The card values are as follows:
Only the numeric values of the cards are considered when determining the hand value; the suit of the cards (Hearts, Spades, Clubs, or Diamonds) does not affect the outcome.
Betting Options
Before each round, players can place their bets on one of the following:
Additionally, a 20% fee is added to each placed bet. For example, if you place a $5 bet, the total bet value will be $6, including the fee.
Game Flow and Dealing Process
After bets are placed, the game progresses as follows:
The Banker’s hand follows specific rules based on the Player's third card, with details outlined in the game’s official hand chart.
| Player's initial two-card hand | |
|---|---|
| 0-1-2-3-4-5 | Player draws a third card. |
| 6-7 | Player stands. |
| 8–9 (a “natural”) | No third card to either hand. |
| Banker's initial two-card hand | Value of third card drawn by Player | ||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|
| No third card | 0 | 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | |
| 0 | D | D | D | D | D | D | D | D | D | D | D |
| 1 | D | D | D | D | D | D | D | D | D | D | D |
| 2 | D | D | D | D | D | D | D | D | D | D | D |
| 3 | D | D | D | D | D | D | D | D | D | S | D |
| 4 | D | S | S | D | D | D | D | D | D | S | S |
| 5 | D | S | S | S | S | D | D | D | D | S | S |
| 6 | S | S | S | S | S | S | S | D | D | S | S |
| 7 | S | S | S | S | S | S | S | S | S | S | S |
| 8 | S | S | S | S | S | S | S | S | S | S | S |
| 9 | S | S | S | S | S | S | S | S | S | S | S |
D — Draw; S — Stand
If the Player's hand stands on a 6 or 7, then a Banker's hand totalling 3, 4 or 5 must draw, while a Banker's hand totalling 6 must stand.
Whoever gets the hand closest to a total of 9 wins.
The Prosperity Cards and Multipliers
After the bets are placed, the Prosperity Round begins. During this round, eight random Prosperity cards are drawn from a virtual 52-card deck. These cards are assigned Prosperity multipliers of either 2x or 3x. If your bet wins and contains one or more of the drawn Prosperity cards, your payout will be multiplied by the assigned Prosperity multiplier.
If the winning hand does not contain any of the revealed Prosperity cards, the regular payout is applied.
Payouts and Multiplication
If the Prosperity Round results in a winning hand that includes Prosperity cards, the payout is adjusted based on the multipliers assigned to those cards. This creates additional opportunities for players to win more than their initial bet. However, if no Prosperity cards are in the winning hand, players receive the regular payout based on the standard Baccarat rules.
Optimal RTP
The Return to Player (RTP) percentage for Prosperity Tree Baccarat is as follows:
These RTP percentages reflect the expected long-term return for players based on the type of bet placed.
Side Bet RTP
These RTPs are calculated based on the maximum bet placed on each individual bet spot.
Maximum Payouts
The maximum payout for any individual game round is limited. The top prize for a Tie bet is capped at $500,000, and the probability of winning the top prize for a Tie (matching all 6 cards) is one in 25 billion.
Bet Limits
The Bet Limits panel shows the minimum and maximum bet limits at the table. The limits may vary depending on the casino or table settings. The default bet range for Prosperity Tree Baccarat is:
While Prosperity Tree Baccarat by Evolution Gaming has precise rules and an unambiguous progression of play, there is scope for an analytical approach to certain game aspects. In particular, some players study patterns (which is nonsense) and investigate effective methodologies in tracking card distributions (which is actually based in mathematical/statistical study). Although the game’s design does not depend on subjective factors, a disciplined review of past outcomes and systematic analysis can provide insights into structural tendencies within the deal.
Card counting in this context does not involve altering the flow of the game but rather an analytical review of the dealt cards to inform strategic considerations.
The embedded resource below will help count cards in real-time. It is provided as an additional tool for those interested in the advanced mathematical approach to the game.
Utilizing the embedded tool will help one understand the underlying structure and distribution dynamics. A systematic review of card sequences and potential outcomes is valuable for those focused on deriving measurable insights from consistent outcomes.