Monkey's Gold xPays Overview
Monkey's Gold xPays is a jungle-themed release from Nolimit City, played on a 6x6 grid that drops 36 symbols per spin. Rather than paylines or win ways, it uses the studio's proprietary xPays system, a reverse-cascade mechanic where winning symbols collect at the bottom of the reels and are individually valued. The result is a slot that looks familiar on the surface but plays quite differently from anything using Megaways or standard Cascading Reels.
Bets range from 0.20 to 100 per spin, and the game is fully playable on mobile. RTP sits at 96.02%, with a hit frequency of roughly 1 in 4 spins. Volatility is rated medium by the studio, though some sources classify it as medium-high. I found the base game can drag a bit between feature triggers, so keep that in mind if you prefer constant action.
Symbols and Paytable
Ten regular symbols populate the paytable, split into three tiers. Low pays are J through A royals, valued at 0.05x to 0.2x per symbol collected. Mid-tier symbols are three coloured gems (blue, green, orange), worth 0.25x to 0.35x each. At the top sit three carved stone masks paying 0.4x to 0.6x per collected symbol.
A golden W acts as wild, substituting for all regular symbols. What stands out here is how wilds inherit any active symbol multiplier, which can turn a modest collection into something far more significant. The design choice to value each individual symbol rather than combinations of a fixed length gives the paytable an unusual feel compared to the studio's previous work on titles like Deadwood.
Symbol Payouts
Red Mask
Highest-paying regular symbol worth 0.6x per symbol collected.
Green Mask
High-paying stone mask symbol.
Blue Mask
High-paying stone mask symbol.
Orange Gem
Medium-paying gem symbol.
Green Gem
Medium-paying gem symbol.
Blue Gem
Medium-paying gem symbol.
A
Low-paying royal card symbol.
K
Low-paying royal card symbol.
Q
Low-paying royal card symbol.
J
Lowest-paying royal card symbol.
Bonus Features Breakdown
Several features layer on top of the xPays engine. Colossal Symbols can appear at random as 2x2 or 3x3 blocks, carrying multipliers from x4 up to x500. These multipliers apply to the number of symbols collected, not the final win total; a colossal symbol with a x10 tag counts as 10 symbols. Any empty positions beneath a colossal block fill with wilds automatically.
Symbol Upgrade triggers when an entire row fills with symbols during a spin sequence. All winning symbols in view upgrade to a higher-paying version. If the top-paying symbol is already present, it gains an added multiplier instead. The Symbol Multiplier feature means any symbol carrying a multiplier is counted as multiple symbols in the collection, boosting payouts further.
Landing 3 or more scatters triggers Free Spins, starting at 10 rounds with +3 for each extra scatter. Before the round begins, a dice roll determines whether the Vine Multiplier increases by 1, 2, or 3 each time a row is filled. Extra scatters during the bonus add +1 spin with no cap. For those who prefer to skip the wait, a Bonus Buy option costs 73x the stake.
Bonus Buy Options
Land 3 or more scatter symbols to trigger 10 free spins, with +3 spins per additional scatter. A dice roll before the round determines whether the win multiplier increases by 1, 2, or 3 each time a row is filled. Extra scatters during the round award +1 spin each with no limit.
Feature Cost: 73x (Bonus Buy)RTP: 96.35%
Filling an entire row upgrades all collected winning symbols to a higher-paying version. If the highest-paying symbol is present, it receives an added multiplier.
2x2 or 3x3 colossal symbols may land at random on any drop, carrying a multiplier of x4 to x500 that multiplies the number of symbols collected rather than the total win. Empty positions beneath colossal symbols become wilds.
Symbols with multipliers attached count as multiple symbols in a winning combination. Wilds inherit any active symbol multiplier when substituting.
Volatility, RTP and Max Win
Default RTP is 96.02%, nudging just above the industry average. During Free Spins the RTP rises slightly to 96.35%. A secondary RTP configuration of 94.22% exists, so checking which version your operator runs is sensible. Maximum win potential reaches 12,683x the total bet, which is respectable for a medium-volatility game even if it falls well short of the extreme figures found in Nolimit City's higher-variance releases.
Hit frequency at 23.26% means roughly one in four spins returns something. Not everyone will enjoy this volatility bracket; players chasing massive single-hit paydays may find the ceiling too low, while low-variance fans might still encounter longer dry spells than expected because of how the xPays collection system works.
