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COMMISSION PROOF · 5% STANDARD TAX

5% Banker Commission Combinatorial Proof (8-Deck 1.0579% House Edge)

Every winning Banker main wager pays 0.95 units per 1 unit staked (5% house vig). Dealers either collect 5% immediately in 25-cent/dollar breakage or track commission in numbered lammers settled at the cut card. Without the 5% tax, Banker would carry a +1.2351% player advantage because the Banker acts second after observing the Player third card. Subtracting 0.05 × 45.8597% (2.2930%) from the raw +1.2351% positional advantage flips the net expectation to −1.0579% per unit staked.

COMM5 Banker Edge
1.0579%
COMM5 Player Edge
1.2351%
COMM5 Tie Edge
14.3596%
8D Banker Win %
45.86%
Engine-Verified Scoreboard · 18 Hands

Read the Board at Table Speed

Open this shoe in /calculator
Big Road B P B P B P B B P P B B P P B P B P
Big Eye Boy = = = = = ≠ ≠ = = = = = = ≠ = =
Small Road = = = = ≠ ≠ ≠ ≠ = = = = ≠ ≠ =
Cockroach Pig = = = ≠ ≠ ≠ ≠ ≠ ≠ = = ≠ ≠ ≠

COMM5 rule audit scoreboard. Derived roads record past hand symmetry and never change COMM5 house edge.

Big Road B is Banker, P is Player Roads under it Red (=): repeating Blue (≠): breaking
Step-by-Step Mark Proofs (Rule 1 & Rule 2)
Big Eye Boy Mark #2

Column 3 has 1 bead. Column 2 has 1 bead. Same depth → red (=).

  1. Column 4 starts, so use Rule 1: compare Column 3 with Column 2, 1 column further back.
  2. Column 3 has 1 bead. Column 2 has 1 bead. Same depth → red (=).

Common table reading watchout: Comparing the wrong columns. Compare Column 3, the one that just finished, with Column 2.

Small Road Mark #2

Column 4 has 1 bead. Column 2 has 1 bead. Same depth → red (=).

  1. Column 5 starts, so use Rule 1: compare Column 4 with Column 2, 2 columns further back.
  2. Column 4 has 1 bead. Column 2 has 1 bead. Same depth → red (=).

Common table reading watchout: Comparing the wrong columns. Compare Column 4, the one that just finished, with Column 2.

Cockroach Pig Mark #2

Column 5 has 1 bead. Column 2 has 1 bead. Same depth → red (=).

  1. Column 6 starts, so use Rule 1: compare Column 5 with Column 2, 3 columns further back.
  2. Column 5 has 1 bead. Column 2 has 1 bead. Same depth → red (=).

Common table reading watchout: Comparing the wrong columns. Compare Column 5, the one that just finished, with Column 2.

Verified Reference Data

Key Facts & Table Specifications

COMM5 Rule Trigger
COMM5

Every winning Banker main wager pays 0.95 units per 1 unit staked (5% house vig)

COMM5 Banker House Edge
1.0579%

Subtracting 0.05 × 45.8597% (2.2930%) from the raw +1.2351% positional advantage flips the net expectation to −1.0579% per unit staked

COMM5 Player House Edge
1.2351%

Unchanged 1:1 even-money settlement on all winning Player hands (44.6247% win rate).

COMM5 Tie House Edge
14.3596%

Evaluated across 9.5156% 8-deck Tie frequency (8:1 payout).

COMM5 Venue Footprint
Verified Ruleset

Las Vegas Strip high-limit salons, Atlantic City main floors, and European punto banco tables

COMM5 COMBINATORIAL AUDIT

5% Banker Commission Combinatorial Proof (8-Deck 1.0579% House Edge) — Exact 8-Deck Accounting

[COMM5-MECHANISM] Every winning Banker main wager pays 0.95 units per 1 unit staked (5% house vig). Dealers either collect 5% immediately in 25-cent/dollar breakage or track commission in numbered lammers settled at the cut card. Across Las Vegas Strip high-limit salons, Atlantic City main floors, and European punto banco tables, pit supervisors enforce this exact settlement table on every 416-card shoe.

[COMM5-PROOF] Without the 5% tax, Banker would carry a +1.2351% player advantage because the Banker acts second after observing the Player third card. Subtracting 0.05 × 45.8597% (2.2930%) from the raw +1.2351% positional advantage flips the net expectation to −1.0579% per unit staked. Because each six-card deal is governed by the fixed third-card tableau, scoreboard trends on Big Eye Boy, Small Road, and Cockroach Pig cannot shift the 1.0579% Banker expectation.

COMM5 MetricCOMM5 BankerCOMM5 PlayerCOMM5 TieCOMM5 Baseline Ref
COMM5 Gross Payout0.950 to 11.000 to 18.000 to 18-Deck 416 Cards
COMM5 Win Probability45.8597%44.6247%9.5156%Naturals 34.3049%
COMM5 House Edge1.0579%1.2351%14.3596%Std 5%: 1.0579%
COMM5 Variance / Unit0.86000.90476.9742Code COMM5-V8
  • COMM5 verification: Without the 5% tax, Banker would carry a +1.2351% player advantage because the Banker acts second after observing the Player third card.
  • COMM5 floor scope: Las Vegas Strip high-limit salons, Atlantic City main floors, and European punto banco tables.
Table Reality Check

Myth vs. Truth

MythPaying 5% commission makes Banker mathematically inferior to the commission-free 1:1 Player bet.
TruthEven after deducting the full 5% vig on every Banker win, Banker retains a lower house edge (1.0579%) than Player (1.2351%) in an 8-deck shoe.
6 modules · 36 lessons · $25/month · Module 1 (10 lessons) free

Read Every Derived Road at Table Speed

Every reference guide, glossary definition, and road calculator on Baccarat Smart is open for everyone. When you want all 6 modules and 36 lessons (about 5.5 hours of lessons) organized in structured step-by-step order with 74 hands-on boards, 94 quiz checks along the way, and Cloud Shoe Log sync across web, iPhone, and Android, start Module 1 (10 lessons, about 64 minutes of lessons) free or unlock full membership for $25 a month.

  • Structured step-by-step track across Foundations, Big Eye Boy, Small Road, and Cockroach Pig
  • 74 interactive lesson scoreboards and 94 inline quiz checks with plain-English mark feedback
  • Cloud Shoe Log and cross-device progress on web, iOS, and Android