<h1>Sweepstakes compliance enables a gamified debt-payoff app to direct user winnings to linked credit card balances.</h1> Operation under sweepstakes regulations is the core legal framework: users buy practice coins and receive free Coverd Cash to play games, with winnings applied directly to linked credit card balances or savings. The app distinguishes itself from gambling laws, enabling access in thirty-eight states, and incorporates promotional purchases, routed consumer payments to debt reduction, and a planned credit card offering cashback with sweepstakes entries.