How Diamond Withdrawals Work in 2026
MICO Live uses dual currency: viewers buy coins to send gifts, creators receive Income Diamonds. Fixed conversion: 286 Income Diamonds = $1 USD across all regions and account types.
Verified hosts receiving 1,000-coin gifts earn 750 Income Diamonds (75% retention). Non-verified hosts get 300-400 Income Diamonds from identical gifts. This 2.5x difference directly impacts threshold speed.
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Monthly processing stays fixed 15th-20th. Processing times: GCash 24-48 hours, PayPal 2-3 days, bank transfers 3 business days.
Diamond Currency Basics
Income Diamonds = creator's revenue share after platform retention. The 286:1 ratio requires substantial accumulation for $50 minimum: verified accounts need 14,300 diamonds ($50 × 286), non-verified need 35,700.
Balances accumulate continuously but only become withdrawable when meeting all eligibility criteria simultaneously. Viewers spend coins, creators earn diamonds—separate tracking prevents calculation confusion.
Monetization Pathway
Cycle starts when viewers purchase coins and send gifts during broadcasts. Each gift converts to Income Diamonds based on verification status. Verified hosts with 75% retention outpace non-verified by 2.5x on identical gift volumes.
Access earnings via Host Center → Earnings: total Income Diamonds, current month accumulation, withdrawal eligibility status. Performance tab shows streaming hours, active days, completed streams.
Agency partners get 50-85% retention, potentially higher earnings for exclusive streaming commitments with promotional support.
Diamond Thresholds: Verified vs Non-Verified
$50 minimum applies universally, but diamond quantity varies dramatically by verification status. Non-verified creators face 35,700 Income Diamonds—exactly 2.5x the 14,300 required for verified accounts.
Non-Verified Minimum Threshold
Non-verified hosts need 35,700 Income Diamonds. At 30-40% retention, this requires gifts worth 89,250-119,000 viewer coins. Lower retention compounds the challenge.
Higher threshold ensures quality control, requiring consistent engagement before monetization. New streamers typically spend 2-4 months reaching this threshold. Platform resets streaming requirements monthly but diamonds accumulate indefinitely.
Verified Reduced Threshold
Verified creators need 14,300 Income Diamonds—achievable with gifts totaling ~19,067 viewer coins at 75% retention. This 60% reduction accelerates first withdrawal. Blue checkmark builds viewer trust, increasing gift frequency.
Verification requires government-issued photo ID, linked bank account, transaction password, fewer than 3 ToS violations. Approval takes 2-5 business days. Status remains permanent unless violations occur.
Why Different Thresholds
Tiered system encourages platform compliance and quality content. Verified accounts demonstrate commitment through identity verification, reducing fraud risk. 75% retention rewards commitment while maintaining sustainability.
Regional caps: North America $500-$3,000 monthly, Europe €400-€2,500, Asia-Pacific $300-$2,000, Latin America $200-$1,500. Prevents money laundering while accommodating high earners.
35-Hour Rule Breakdown
MICO Live mandates 35+ streaming hours monthly plus 15+ days, 25 regular streams, 5 Game Lives. Multi-metric approach ensures consistent presence versus sporadic streaming. All metrics reset monthly on the 1st.
What Counts Toward 35 Hours
Only active broadcast time counts—from stream start to end, excluding prep, offline time, post-stream chat. Private sessions contribute while generating 50-100 coins/minute.
Streams need 5 Mbps upload speed and 720p+ resolution to register properly. Dropped connections may result in partial credits. Stream during peak hours (7-11 PM local) for maximum engagement and efficient hour accumulation.
Monthly vs Rolling Period
35-hour requirement operates on strict monthly calendar, not rolling 30-day window. Complete 35+ hours between 1st and last day of month to qualify for next month's withdrawal window (15th-20th). Hours don't carry forward.
Monthly reset creates strategic planning opportunities. Complete requirements early to focus on content quality. Approaching month-end with insufficient hours requires prioritizing streaming volume.
Tracking Hours
Host Center → Performance displays real-time metrics: monthly hours, active days, regular streams, Game Lives. Dashboard updates within 5-10 minutes of stream completion.
Host tiers: Bronze (0-100 hours), Silver (100-500), Gold (500-2,000), Platinum (2,000-5,000), Diamond (5,000+). Cumulative tiers don't affect cashout but unlock features and recognition.
Cashout Calculator: Step-by-Step
Calculating exact amounts requires understanding 286:1 conversion and how verification affects diamond accumulation. Formula: Total Income Diamonds ÷ 286 = USD Withdrawal Amount.
Conversion Rate Formula 2026
Universal conversion regardless of region, account type, or method: 286 Income Diamonds = $1 USD. For $50 minimum: verified need 14,300 diamonds (50 × 286), non-verified need 35,700. Rate stable throughout 2025-2026.
Reverse-calculate required gifts: divide target diamonds by retention rate, convert to coin value. Verified creator targeting 14,300 diamonds needs gifts worth 19,067 coins (14,300 ÷ 0.75). Non-verified needs 89,250-119,000 coins depending on 30-40% retention.
Sample Calculations
Scenario 1 - Verified, Minimum: 19,067 coins → 14,300 diamonds (75%) → $50.00
Scenario 2 - Non-Verified, Minimum: 119,000 coins → 35,700 diamonds (30%) → $50.00
Scenario 3 - Verified, $200: 76,267 coins → 57,200 diamonds (75%) → $200.00
Scenario 4 - Agency, Mid-Tier: 50,000 coins → 32,500 diamonds (65%) → $113.64
Scenario 5 - Verified, Regional Cap: 1,146,667 coins → 860,000 diamonds (75%) → $3,006.99 (capped at $3,000 North America)
Monthly Projections
Project earnings by tracking average daily gift income × streaming days. Verified creator averaging 1,000 coins daily across 20 days accumulates 15,000 Income Diamonds monthly (20,000 coins × 0.75), yielding $52.45.
Consistency beats sporadic high-earning streams. Regular schedules build loyal audiences providing predictable gift income. 15+ day requirement reinforces this, preventing marathon single-day sessions.
Calculate Your Exact Cashout
Precise calculations require verifying multiple account metrics before applying conversion formula. Five-step process ensures exact withdrawal eligibility and amount.
Step 1: Check Diamond Balance
Navigate to Host Center → Earnings for current Income Diamond balance. Platform displays total accumulated, current month's earnings, previous month totals. Only diamonds from completed months become eligible during 15th-20th processing window.
Distinguish total diamonds from withdrawable diamonds. Platform holds current incomplete month's diamonds until month concludes and next window opens. January diamonds become withdrawable February 15th-20th.
Step 2: Verify Account Status
Confirm verification via blue checkmark badge on profile. Verified accounts apply 75% retention to gift calculations, non-verified use 30-40%. Status determines both threshold requirements and earnings per gift.
Verification affects more than retention—faster processing, higher regional caps, additional monetization features. Investment typically pays for itself within first withdrawal cycle.
Step 3: Confirm 35-Hour Compliance
Access Host Center → Performance to verify: 35+ hours, 15+ days, 25+ regular streams, 5+ Game Lives. All four need green checkmarks for eligibility. Missing any single metric disqualifies entire month's earnings until next cycle.
Approaching month-end with insufficient metrics? Prioritize deficient areas. Hours require most time investment, Game Lives can be completed strategically during regular broadcasts. 25 streams requirement encourages consistent daily streaming.
Step 4: Apply Conversion Rate
Divide total eligible Income Diamonds by 286 for USD amount. 14,300 diamonds: 14,300 ÷ 286 = $50.00. 57,200 diamonds: 57,200 ÷ 286 = $200.00. Calculation identical across regions, caps applied afterward.
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Step 5: Subtract Processing Fees
MICO Live charges no explicit withdrawal fees, but payment processors apply standard costs. GCash typically processes free for domestic transfers, PayPal charges 2-3% internationally, bank transfers may incur $5-15 wire fees.
Regional caps apply post-conversion. North American creator with 1,000,000 Income Diamonds ($3,496.50 calculated) receives only $3,000 monthly maximum, excess rolls to next month.
Verified Account Benefits
Verification delivers immediate and long-term advantages dramatically accelerating earnings. 75% retention versus 30-40% means verified creators earn 2.5x more Income Diamonds from identical gifts. Difference compounds over time.
Lower Threshold Numbers
Verified creators reach eligibility at 14,300 Income Diamonds versus 35,700 non-verified—21,400 diamond advantage. Translates to ~70,000-90,000 fewer viewer coins required for first cashout. For new creators: 1-2 months accelerated monetization.
Gap widens with higher targets. Verified reaching $200 monthly needs 57,200 diamonds, non-verified requires 143,000 for same payout. Proportional widening at each tier.
Faster Processing
Official windows remain 15th-20th for all, but verified accounts typically receive payments in first 1-2 days. Non-verified process toward window end. This 3-4 day difference improves cash flow predictability.
Payment method impacts timing. Verified using GCash receive funds within 24-48 hours of processing, bank transfers require full 3 days. PayPal middle ground at 2-3 days.
Additional Features
Verification unlocks premium gift options, exclusive creator events, promotional opportunities driving higher engagement. Blue checkmark increases viewer trust, often resulting in 15-25% higher gift frequency from new audiences.
Verified status enables platform challenges and bonus programs offering additional Income Diamond rewards. Supplementary opportunities add 10-20% to monthly totals for active participants.
Apply for Verification
Submit government-issued photo ID with clear facial features and readable text. Link bank account matching ID name exactly—discrepancies cause rejection. Set transaction password distinct from login credentials. Maintain clean history with fewer than 3 ToS violations.
Review takes 2-5 business days from complete submission. Incomplete applications extend processing. Once approved, status remains permanent unless serious violations occur. 75% retention begins immediately upon approval.
Optimize Earnings: Meet Requirements Faster
Strategic schedules and engagement tactics accelerate threshold progress while building sustainable careers. 35-hour monthly requirement averages 1.17 hours daily, but concentrated peak-hour streaming yields better results than scattered low-engagement sessions.
Streaming Schedule Templates
Template 1 - Daily Consistency: 1.5 hours daily for 25 days, exceeding 35-hour and 15-day requirements while building audience habit. Leaves 5 buffer days.
Template 2 - Weekend Warrior: 5 hours Saturday/Sunday (10 hours weekly × 4 = 40 hours), plus 2-hour weekday sessions 3x weekly for day compliance. Concentrates effort during peak weekend viewership.
Template 3 - Peak Hour Focus: 2 hours during 7-11 PM peak for 18 days monthly, totaling 36 hours with maximum viewer exposure. Prioritizes quality engagement over quantity.
All templates must incorporate 25 regular streams and 5 Game Lives. Game Lives integrate into regular broadcasts, requiring no additional time when planned strategically.
Engagement Tactics
Interactive content generates 40-60% more gifts than passive streaming. Implement viewer shoutouts, gift acknowledgments, interactive games encouraging participation. Private sessions yield 50-100 coins/minute but require existing audience relationships.
Maintain 720p+ resolution and 5 Mbps upload for professional quality. Technical issues reduce retention and gift frequency. Test equipment before streams, have backup internet for critical earning periods.
Leverage Peak Hours
7-11 PM local window captures audiences during leisure hours when gift-giving peaks. Streaming outside these hours requires 30-50% more broadcast time for equivalent earnings. Schedule high-production streams during peaks, use off-peak for community building.
Regional variations: Asian markets 9 PM-12 AM, European 8-10 PM, North American 8-11 PM. Targeting multiple regions extends peak coverage through strategic scheduling.
Avoid Common Mistakes
Mistake 1: Focusing solely on hours while neglecting 15-day and 25-stream requirements. Solution: Spread streaming across multiple days versus marathon sessions.
Mistake 2: Ignoring Game Lives until month-end. Solution: Complete 1-2 Game Lives weekly avoiding last-minute pressure.
Mistake 3: Streaming during low-engagement hours to quickly accumulate time. Solution: Prioritize peak hours for efficient earning and hour accumulation simultaneously.
Mistake 4: Failing to verify despite meeting other requirements. Solution: Submit verification documents immediately upon account creation maximizing retention from day one.
Troubleshoot Cashout Issues
Withdrawal rejections stem from four causes: insufficient streaming metrics, below-threshold balance, incomplete verification, payment method errors. Platform provides specific error messages indicating exact deficiency.
Insufficient Hours Remedy
Performance tab showing fewer than 35 hours means current month's diamonds remain ineligible until next cycle when requirements are met. Hours can't be retroactively added—complete full requirements in single calendar month. Plan remaining days to reach 35+ before month-end.
Technical interruptions may result in partial credits. Contact support with stream timestamps if significant discrepancies appear. Documentation of technical issues can sometimes result in manual adjustments.
Below Threshold Solutions
Creators with 14,000 diamonds (verified) or 35,000 (non-verified) must accumulate additional diamonds before eligibility. Platform doesn't allow partial withdrawals below $50 minimum. Continue streaming to reach exact threshold: 14,300 verified, 35,700 non-verified.
Diamond balances never expire, accumulate over multiple months if needed. However, maintaining monthly streaming requirements remains necessary for each withdrawal cycle. Inactive months forfeit that period's window even if balance exceeds thresholds.
Verification Problems
Rejected applications cite unclear ID photos, name mismatches between ID and bank account, or existing ToS violations. Resubmit with high-resolution ID scans showing all text clearly. Ensure bank account name matches ID exactly, including middle names and suffixes.
Accounts with 3+ violations can't achieve verified status. Review violation history in settings, maintain clean streaming for future eligibility. Some violations expire after 6-12 months of compliant behavior, potentially reopening verification.
Payment Method Errors
GCash, PayPal, bank transfer require accurate account information matching verified identity documents. Typos in account numbers or routing codes cause automatic failures. Double-check all entered information against official bank statements before submission.
Regional restrictions prevent withdrawals to: Iran, North Korea, Sudan, Syria, Cuba, Myanmar, Yemen, Iraq, Somalia. Creators in these regions can't access monetization regardless of diamond accumulation or streaming metrics.
Common Misconceptions Debunked
Creator communities perpetuate myths about MICO Live's cashout system creating unnecessary confusion and suboptimal strategies.
Myth: Diamonds Expire After 30 Days
Reality: Income Diamonds accumulate indefinitely without expiration. Build balances over multiple months until reaching thresholds. Monthly reset applies only to streaming hours, days, regular streams, Game Lives—never diamond balances.
Misconception causes rushed streaming schedules. Platform intentionally allows accumulation accommodating part-time creators needing several months to reach minimums.
Myth: Verified Accounts Get Better Conversion Rates
Reality: 286:1 conversion (286 Income Diamonds = $1 USD) applies universally to all account types. Verification affects retention rate (75% vs 30-40%), not conversion rate. Both verified and non-verified receive identical USD per Income Diamond—verified simply accumulate diamonds faster.
Distinction matters for calculations. Verified with 14,300 diamonds and non-verified with 14,300 diamonds both withdraw exactly $50.00. Difference lies in viewer coins required to reach that diamond total.
Myth: Cash Out Anytime Without Requirements
Reality: Withdrawals process exclusively 15th-20th monthly, require simultaneous fulfillment of all criteria: minimum diamonds, 35+ hours, 15+ days, 25+ streams, 5+ Game Lives. Missing any single requirement disqualifies entire withdrawal.
Can't request early withdrawals or bypass monthly schedule. Structured approach ensures platform financial stability and prevents fraud. Planning around fixed schedule optimizes cash flow.
Truth: How System Actually Works
MICO Live operates performance-based monetization rewarding consistent, quality streaming. Multi-metric requirements ensure regular platform presence. Diamond thresholds and retention rates incentivize verification and long-term commitment.
System favors professional creators treating streaming as serious income versus casual hobbyists. Understanding mechanics allows strategic planning aligning effort with maximum earnings potential.
Maximize Revenue: Beyond Basic Cashouts
Sustainable success requires thinking beyond minimum threshold achievement to comprehensive revenue optimization. Strategic withdrawal timing, multiple income streams, reinvestment strategies compound earnings over time.
Monthly Planning and Goal Setting
Set specific monthly diamond targets based on streaming capacity and audience size. Verified creator streaming 40 hours monthly during peaks with moderate engagement can realistically target 30,000-50,000 Income Diamonds ($104.90-$174.83). Track progress weekly identifying underperforming areas.
Document gift patterns identifying high-value audience members and content types generating maximum engagement. Replicate successful stream formats while testing new approaches during lower-stakes slots. Data-driven decisions outperform intuition.
Multiple Revenue Streams
Beyond direct gifts, explore private sessions (50-100 coins/minute), platform challenges, agency partnerships (50-85% retention). Diversified income reduces dependence on single streams, provides stability during audience fluctuations.
Agency partnerships offer higher retention but require exclusive commitments. Evaluate whether 50-85% retention justifies exclusivity based on current independent earnings. Established creators with strong audiences may negotiate better terms.
Optimal Cashout Timing
Withdraw monthly if meeting all requirements for consistent cash flow. Creators approaching regional caps ($500-$3,000) should withdraw maximums avoiding leaving eligible earnings on platform. Excess diamonds automatically roll to next month.
Strategic accumulation makes sense for creators just below thresholds—waiting one additional month to reach $100-200 withdrawal minimizes proportional impact of processing fees. Never sacrifice monthly compliance to accumulate larger balances.
Reinvest for Growth
Allocate 10-20% of early withdrawals toward equipment upgrades (cameras, lighting, microphones) improving stream quality and viewer retention. Professional production justifies higher gift amounts. Investment typically returns 2-3x within 3-6 months through increased earnings.
Consider promotional spending during platform events or special broadcasts. Announcing giveaways or special content attracts new viewers who may become regular supporters. Track ROI for promotional activities identifying cost-effective growth strategies.
FAQ
What is the minimum diamond threshold for MICO Live cashout in 2026?
Verified accounts require 14,300 Income Diamonds ($50 minimum), non-verified need 35,700. Both equal $50 minimum at 286:1 rate. All creators must complete 35+ hours, 15+ days, 25 regular streams, 5 Game Lives monthly.
How does verified status affect cashout limits?
Verified accounts get 75% retention on gifts versus 30-40% non-verified, meaning verified earn 2.5x more Income Diamonds from identical gifts. Verification reduces minimum threshold from 35,700 to 14,300 diamonds, provides faster processing during 15th-20th monthly window.
What exactly is the 35-hour rule?
Complete 35+ hours active streaming within single calendar month to qualify for that month's withdrawal. Hours reset monthly on 1st, don't carry forward. Works alongside 15+ days, 25+ streams, 5+ Game Lives—all must be met simultaneously for eligibility.
How long does cashout processing take?
Withdrawals process 15th-20th each month. GCash 24-48 hours, PayPal 2-3 days, bank transfers 3 business days. Verified accounts typically receive payments in first 1-2 days of window, non-verified toward end.
Can non-verified accounts cash out?
Yes, after accumulating 35,700 Income Diamonds and meeting all monthly streaming requirements. Higher threshold (2.5x verified) and lower retention (30-40% vs 75%) make monetization slower, but platform fully supports non-verified withdrawals.
How do I calculate diamond earnings?
Divide total Income Diamonds by 286 for USD value. Example: 14,300 diamonds ÷ 286 = $50.00. To calculate required gifts, divide target diamonds by retention rate (75% verified, 30-40% non-verified), convert to viewer coin value. Track via Host Center → Earnings for real-time updates.
