No Verification Casinos UK 2026: What “No KYC” Really Means
You’re searching for no verification casinos because you’re tired of uploading passports, utility bills and selfies before you can touch your own winnings. That feeling is fair. But in 2026, “no verification” is not one thing: it covers regulated Pay & Play sites, offshore operators with weak ID rules, and outright scams hiding behind a Curacao symbol.
This guide breaks down how no-ID withdrawals actually work, which jurisdictions allow them, why Curacao and MGA licences are useless in Germany, and what UK players should check before depositing. No lecture, no moral panic — just the mechanics.
What Does “No Verification Casino” Actually Mean?
In the UK gambling market, every licensed online casino must check your identity. That is not a suggestion; it is a license condition. When a site advertises “no verification,” pay attention to the wording. Usually it means no document uploads, not no checks at all.
True no-verification casinos let you deposit with crypto and withdraw without submitting ID. Those sites are almost never UKGC-licensed. They operate under Curacao licences, or no licence at all, and they target players who want privacy or fast withdrawals.
Between those two extremes sit low-verification casinos: the bank-verified Pay & Play models, e-wallet-friendly sites and UKGC operators that have streamlined checks to under a minute. The difference matters more than any marketing slogan.
No-Verification vs Low-Verification
Low-verification casinos still confirm who you are, but through a bank or an ID provider rather than a manual upload. MrQ, Casumo and PlayOJO, for example, are UKGC-licensed and use open-banking checks that happen silently in the background.
No-verification casinos, in the strict sense, don’t confirm who you are at all. They may ask only for an email address. Once you ask for a withdrawal, the “verification” step gets either skipped or refunded.
The word “no” is doing a lot of heavy lifting in search results. Know which type you’re reading about. The difference is not cosmetic: it decides whether you have any legal protection.
How No-KYC Withdrawals Work
On a true no-KYC site, you choose a withdrawal method that doesn’t require your legal name. Cryptocurrency is the favourite because a wallet address is enough. Some sites allow direct withdrawals back to a debit card without ever asking for a passport.
Behind the scenes, the casino still has no idea who you are. That’s how players get scammed with no way to complain, and also how people with gambling habits hide losses. Operators understand this and price it into their terms.
Withdrawals are fast precisely because there is no identity layer. The casino isn’t better at paying out; it just removed the part that prevents fraud and self-exclusion breaches.
The “Pay & Play” Shortcut
Pay & Play casinos are not no-verification casinos, but they feel like them. You deposit via Trustly or a similar open-banking service; your bank confirms your identity instantly; you play. When you win, money returns to the same bank account.
This model is legal in the UK under UKGC rules, and it’s the closest you can get to instant withdrawals with full compliance. Casumo and MrQ have used this structure. The catch: if you ask for a withdrawal to a different method, the ID checks appear.
For most players, Pay & Play is the best “no ID download” experience available legally. Any site promising zero identity checks and accepting UK players is operating outside the system.
Why UK Players Search for No Verification Casinos
The demand is not a niche grumble. Long KYC queues, sudden document requests, and affordability checks push players towards sites with looser rules. UKGC-licensed casinos have become more aggressive with checks, and players responded by going offshore.
There are three main drivers: time, privacy and banking friction. Each one deserves a closer look.
Speed of Withdrawals
Nobody deposits on a Friday night thinking about a five-day identity review. Yet that’s what happens when a UKGC casino flags your account. A delayed payout feels like theft, even when the operator is technically within policy.
No-verification sites advertise zero waiting time. With crypto, you can often get within the hour. But speed without verification comes at a risk: the casino controls the ledger and can reverse or freeze transactions with no one to appeal to.
In our experience, fast withdrawals are a hygiene factor, not a licence to ignore compliance. Even UK-licensed Pay & Play sites deliver quick payouts; they just require you to use a bank rather than an anonymous wallet.
Privacy and Data Protection
Uploading a driver’s licence to a casino that has already been breached feels absurd. UK casino databases are attractive targets for criminals, and ID documents are the most valuable thing they can steal.
Some players prefer to gamble through crypto precisely to keep their name and address out of a betting database. That instinct is rational. But an unlicensed casino doesn’t protect your privacy better; it just sells or leaks it without consequences.
Curacao operators are not bound by GDPR in practical terms, and their data security standards vary wildly. The moment you give them documents, you’ve swapped one risk for another.
Banking Friction
Banks in the UK can block gambling transactions at their own discretion. If your bank declines deposits to a licensed casino, you might look for alternatives that don’t appear under the same MCC code.
Cryptocurrencies solve this problem completely, which is why many no-verification casinos push Bitcoin and Ethereum deposits. There’s no card network involved, no gambling flag, no instant block.
That’s also why regulated operators can’t offer true no-verification play: the bank is part of the verification chain. Without a bank, there is no accountable identity.
Jurisdictions That Allow No-KYC Casinos — and Why
Licensing jurisdictions are the real gatekeepers here. Some demand full identity checks, others allow operators to set their own policies. The table below shows how the three biggest licences treat no-KYC play in practice.
| Licence | No-KYC possible? | Legal for UK players? | Legal for German players? | Player protection |
|---|---|---|---|---|
| UKGC | No | Yes, if the site holds the licence | No | External complaints, mediation, compensation |
| Malta Gaming Authority (MGA) | No | No | No, unless the operator also holds a German licence | Maltese courts and ADR, but UK players not protected |
| Curacao | Yes, many sites allow it | No | No | Minimal; rely on casino goodwill |
UKGC: Checks at Every Stage
The UK Gambling Commission has pushed the online casino industry toward mandatory identity checks before money can be spent. Since the 2020 age verification rules, a player under 25 can’t step into a casino experience without a positive age check.
Full identity verification is required before withdrawal. That’s not an optional extra, it’s a licence condition. UKGC-licensed casinos that skip this risk losing their licence.
Bottom line: on a UKGC site, there is no legal way to withdraw winnings “without verification.” If someone says otherwise, check the licence number twice.
MGA: Stricter than Curacao, but Still Not a UK Pass
The Malta Gaming Authority is closer to UKGC in tone. MGA licensees must run identity checks, monitor transactions and follow anti-money-laundering rules. There is no official “no KYC” category under MGA.
What MGA does not do is grant access to the UK market. A British player gambling on an MGA site without a UKGC licence is using an unlicensed provider. The MGA complaint process won’t help you in a UK court.
MGA licences are often mistaken for a “safe middle ground.” They’re safer than Curacao, but still not regulated in the UK.
Curacao: New Regime, Same Old Weaknesses
Curacao has a reputation for letting operators run with minimal oversight. Under the old master-licence system, sub-licences were used to bless hundreds of casinos with almost no vetting. The 2023-2024 reforms created a formal regulator and tightened reporting requirements, but KYC enforcement remains lax.
Many Curacao casinos still allow deposits without ID, and some allow withdrawals to cryptocurrency wallets without any verification. That’s precisely why the “no verification” search term leads to Curacao sites.
Real protection is thin. Curacao’sregulator rarely steps in, and when it does, the process drags on for months. In practice, a Curacao licence means the casino passed a basic corporate registry check in 2019 and nothing has been looked at since. That is not a system designed to help you get your money back.
Germany tightened its own rules in 2021, and the result is telling. The Interstate Treaty on Gambling (Glücksspielneuregulierungsstaatsvertrag) made it illegal for offshore casinos to offer real-money slots and poker to players located in Germany without a national licence. Curacao-licensed operators were cut off from German traffic by payment providers and ISP blocks. MGA licensees faced the same wall. Today, a casino holding only a Curacao or MGA licence cannot lawfully serve a player sitting in Berlin, Frankfurt or Munich. The authorities enforce this through transaction monitoring and payment blocking, and the gambling regulator in Halle (GGL) actively publishes non-compliance lists. German players who still use those sites are gambling in a legal grey area, often with no recourse if the operator refuses a payout. The UK has not gone that far, but the direction is the same: regulated access wins, anonymous access remains a loophole rather than a right.
What does that mean for a UK player looking at no-verification casinos? First, no Curacao or MGA-licensed site can legally serve you from the UK either. The UKGC will not recognise their licence, and if you have a dispute, you are outside any British dispute resolution service. Second, the German example shows what happens when regulators decide to clean up: operators either leave or start collecting ID documents. The so-called “no-verification” market is shrinking year by year, and the remaining sites are increasingly crypto-only, anonymous and unregulated.
Still, the demand is real. That is why we tested and reviewed the sites that actually market themselves as “no verification” or “no KYC” casinos, focusing on those that accept UK players or at least don’t actively block them. There is no legally clean way to run such a casino, so the list below is a practical breakdown of what each operator really does when you ask for a withdrawal. We compared them on banking, speed, licensing, and the surprising moments when they suddenly ask for a passport after all.
What We Looked For in the No-Verification Operators
We started with the brands that appear in countless search results and affiliate lists for no-verification play, and filtered out the obvious fly-by-night operations. That left us with six names worth your time: BetOnline, Mystake, Goldenbet, Roobet, 7bet and DuoBetz. None of them are UKGC-licensed. All of them accept UK customers with varying degrees of openness.
Our criteria were simple: do they ask for ID at registration, do they ask for ID at withdrawal, how fast does the money actually land, and what happens when a transaction looks suspicious? To avoid relying on advertising promises, we looked at player reports from the last 18 months, checked live chat responses, and compared the operator’s own terms with what players experience in practice.
| Casino | Licence | Withdrawal time (crypto) | ID at sign-up | ID at withdrawal | UK player accepted |
|---|---|---|---|---|---|
| BetOnline | Panama | 1-2 hours | Email only | Only above $3,000 or for card withdrawals | Yes |
| Mystake | Curacao | Under 30 minutes for Bitcoin | Email only | Sometimes, for large amounts | Yes |
| Goldenbet | Curacao | Up to 1 hour | Email only | Rarely; asks for a wallet address only | Yes |
| Roobet | Curacao (via parent) | Instant to wallet | Email only | Almost never for crypto | Yes, with VPN caveat |
| 7bet | Curacao | 5-15 minutes | Email only | Often asks before first crypto withdrawal | Yes |
| DuoBetz | Curacao | 10-20 minutes | Email only | Occasionally, for fiat withdrawals | Yes |
BetOnline is the oldest of the group and the most reliable in terms of actually sending money. It maintains a Panama licence, which is not the same as Curacao, but still nowhere near UKGC protection. The site lets you play with a Bitcoin deposit within minutes, and withdrawals to a Bitcoin wallet often arrive in under two hours. The catch: if you ever request a withdrawal back to a credit card, you will need to provide ID to satisfy card network rules. Players who stick with crypto rarely see a KYC prompt.
Mystake is a Curacao-licensed casino that has grown quickly through aggressive affiliate marketing. Its withdrawal speed is genuinely impressive, with BTC payments clearing in under half an hour. But our test of live chat revealed that some players are asked to verify when their accumulated withdrawals hit a certain threshold, often around $2,000 to $5,000. There is no clear formula, and the terms are vague. That makes it a poor choice for anyone planning to cash out a large win.
Goldenbet plays the no-KYC angle more literally than anyone else on the list. Registration takes an email address and nothing more. Deposits are made directly to a Bitcoin address, and withdrawals go straight back to your wallet. The operator does not have a formal KYC policy, according to its terms, and support staff confirmed that ID is not required under any circumstances. That is also what makes it risky: without KYC, there is no way to prove you are the winner if your account is stolen or closed.
Roobet has built a strong reputation among crypto players because of its transparent provably fair games and instant wallet-to-wallet payouts. It operates under a Curacao licence via a parent company, but the site has avoided charging high withdrawal fees and has a long history of processing BTC and ETH payouts reliably. The UK is not geo-blocked, though some British users say they need to use a VPN due to payment provider restrictions. When it comes to pure no-ID play, Roobet is the safest of the unlicensed bunch, but for small wins only.
7bet and DuoBetz both fit the same pattern: Curacao licence, crypto-first, and a “no verification” promise that lasts until you hit a payout threshold. Player complaints show both operators asking for documents after a lucky streak, particularly when the withdrawal amount exceeds €1,000. If you are using them for casual play, you might never notice. If you win, your identity suddenly becomes very important to them. That is not a bug; it is how the industry avoids fraud while still advertising a no-KYC experience.
Why the UKGC Casinos Can’t Match That Speed
It is easy to look at BetOnline and Roobet and wonder why the big UK brands can’t just copy their onboarding flow. The answer is that they are not allowed to. The UKGC demands a “know your customer” process that verifies a player’s identity before they can gamble with real money. That was introduced to stop both underage gambling and money laundering.
The Gambling Commission has publicly stated that operators must complete age and identity verification before a customer can deposit or play. In practice, that means either an automated check through a service like Experian or a manual upload of documents. The automation is invisible and fast, but it is still verification. If an automated check fails, the player is usually asked to send a passport or driving licence.
So when you see a UKGC-licensed brand like Bet365, William Hill or Sky Bet advertising “fast withdrawals” or “no paperwork,” don’t confuse that with no verification. They mean no manual paperwork, because the electronic checks happened in the background before you even placed your first bet.
This also explains why the big UK brands don’t offer crypto withdrawals. Cryptocurrencies are anonymous and irreversible, which is at odds with the UKGC requirement that operators trace and reverse illegal transactions. As long as those rules exist, you will never see a UKGC-licensed casino paying out to a Bitcoin wallet without knowing exactly who you are.
Why Curacao and MGA Licences Don’t Help German or UK Players
We touched on the German situation, but it deserves a sharper conclusion. In the UK, using a Curacao casino is not a criminal offence, but it is also not protected. In Germany, the state has been far more aggressive. The GGL has ordered payment providers to block transactions to unlicensed operators, and several Curacao-licensed casinos have voluntarily exited the German market rather than face fines. MGA-licensed operators, too, cannot serve German players without a separate German licence. The legal ceiling for both jurisdictions is the same: no licence, no legal access.
For a UK player, the lesson is uncomfortable. The no-verification casinos that remain accessible in 2026 are mostly offshore entities that have decided to ignore UK regulations. They can disappear within a day, and the UK Gambling Commission won’t lift a finger to help you, because you were outside its system from the start.
That doesn’t mean every Curacao site is a scam. It does mean you are playing without a safety net. The only party that knows who you are is the casino itself, and it is not legally obliged to protect you. If that feels too risky, the alternative is to accept low-verification on a UKGC site and live with the checks.
The Real Cost of No-Verification Gambling
Let’s be honest about the trade-off. No-verification casinos are not a cheat code invented for your convenience. They are a tool for operators to avoid accountability and for players to bypass safer-gambling controls. That comes with a price, and it is rarely displayed on the deposit page.
Problem gambling is easier to hide on a no-KYC site. Registration takes a minute, deposits are anonymous via crypto, and self-exclusion schemes like GAMSTOP do not apply to offshore brands. If you are a UK player with a habit that worries you, this is arguably the worst possible environment for you. The same feature that protects your privacy also protects your addiction from the outside world.
There is also the matter of fairness. A casino without know-your-customer rules cannot run reliable age checks, which means minors can gamble more easily. The industry spent years trying to move away from that image, and no-verification casinos drag it back.
None of this is to moralise. But when you search for “no verification casinos,” the search engine results are full of sites that use this exact angle to attract players and then withhold payouts on a whim. The “no verification” promise is not a guarantee of anything except that you’ll have fewer ways to complain.
How to Spot a Safe No-Verification Casino
If you still decide to play at a no-KYC or low-KYC site, at least choose one with some operating history and transparent terms. There are a few markers that separate tolerable offshore operations from pure scams.
First, check how long the domain has been live. Use WHOIS or a site like DomainTools. A domain registered in the last six months is a red flag, no matter how polished the landing page looks. The scams rarely bother building an old domain trail.
Second, look for provably fair games. This is a cryptographic way to let you verify each spin or hand. Between the big crypto casinos, Roobet and Stake both offer provably fair, while Mystake and Goldenbet mostly use standard game providers without that verification layer. If a site doesn’t use provably fair, you have zero proof the RNG isn’t rigged.
Third, read player withdrawal reviews on gambling-specific forums, not on the casino’s own site. Reddit’s r/gambling, AskGamblers and similar complaint sites are useful. Look for patterns: players who wait weeks for a payout, support chats going silent, or sudden document requests after a win. If you see the same story repeated, believe it.
Fourth, test live chat with an awkward question about KYC limits. A good support agent will tell you the exact threshold for identity checks. A vague answer like “it depends” suggests they don’t know or they’re not allowed to say. Both are warning signs.
Finally, use a separate hot wallet for casino deposits. Never deposit from your main exchange address or a wallet that contains your life savings. Create a new Bitcoin or Litecoin address for each deposit, and transfer only what you’re willing to lose. That limits the damage if the casino turns out to be a scam.
Why Some UK Brands Are Quietly Introducing “No-verification” Features
You might have noticed that some of the biggest UK-licensed casinos now advertise “instant withdrawals” and “no document uploads.” That is not hypocrisy, it is a technical workaround. Instead of asking for a passport, they use open banking and identity verification services that run in the background from the moment you deposit.
Brands like Casumo, MrQ and PlayOJO are the best examples of this. They partner with UK-based ID providers and open-banking platforms like Trustly, so when you make a bank deposit, your identity is confirmed automatically at the same time. The casino knows exactly who you are, the bank verifies it, and the player never has to upload a selfie. That is a win for everyone, except for the tiny minority who genuinely want complete anonymity.
Other UKGC-licensed operators like Betfair, 888 Casino and Betway have all introduced faster withdrawal systems, but they still perform a full check before the first payout. The difference is that they no longer make you wait for days; they run the checks in parallel and approve the withdrawal if everything matches.
So the “no verification” market is splitting into two streams. One is the regulated stream, where verification is hidden behind banking infrastructure and is transactionally invisible. The other is the unregulated stream, where verification is genuinely absent, and so is your protection. If you want reliable payouts, the regulated stream is the safer bet, even if it doesn’t let you play with zero identity footprint.
The Best Low-Verification UK Casinos in 2026
If you’re looking for the closest legal experience to no-verification play, these UKGC-licensed casinos offer fast payouts with minimal friction. None of them are true no-KYC, but they are the fastest and most reliable options available to British players.
| Casino | ID required | Typical withdrawal time | Notable feature | Best for |
|---|---|---|---|---|
| MrQ | Automatic via bank | Instant to Trustly, up to 2h otherwise | No document uploads for bank-verified players | Quick bank withdrawals |
| Casumo | Automatic via background check | Under 1 hour to PayPal | Large game library from NetEnt and Pragmatic | Slot players who hate paperwork |
| PlayOJO | Automatic at registration | Up to 2 hours to e-wallet | No wagering requirements on bonuses | Bonus hunters |
| Betfair | Full before first payout | Up to 2 hours to PayPal | Exchange and casino in one | Sports bettors who dabble in casino |
| Paddy Power | Full at sign-up | Up to 3 hours | Strong sportsbook and casino combo | Casual all-rounders |
| Ladbrokes | Full at sign-up | Up to 24 hours to card | Reliable payouts, huge variety of slot games | Conservative players who want legacy brand safety |
These sites are the ones we would recommend for 95% of UK players. They may not tick the “no verification” box in the strictest sense, but they tick the more important box: actually sending you the money without a fight.
Cryptocurrencies vs Fiat for No-KYC Play
If you’re determined to use an offshore no-verification casino, you need to decide between crypto and fiat. This one decision determines whether you can actually withdraw without ID.
Crypto deposits are the only reliable way to keep your identity out of the casino’s books. A Bitcoin or Litecoin deposit lands in the casino’s wallet without any personal data attached. Withdrawals work the same way in reverse. No card network is involved, no intermediate payment processor needs to see your name, and no compliance department has to approve the transaction. This is why every serious no-verification casino pushes crypto hard.
Fiat deposits are a different story. Even if a casino claims to accept no-verification play, the moment you deposit via credit card, Visa and Mastercard require a form of identification. On top of that, the bank’s transaction monitoring will flag the casino merchant name, and you may find your card blocked for gambling. The casino cannot override that. As a result, many no-verification sites simply refuse card deposits from UK customers or silently deactivate that method after a while.
E-wallets are a middle ground. PayPal requires a verified UK bank account, so there goes your anonymity. Skrill and Neteller are less strict, but they still have their own ID verification processes. They may not share your documents with the casino, but they share enough transaction metadata for the casino to build a profile. If you really want zero KYC, nothing beats an untraceable crypto payment.
How Fraudsters Abuse No-Verification Casinos
It would be naive to talk about no-verification casinos without mentioning money laundering. Anonymous gambling is a textbook sandbox. An operator that deliberately avoids identity checks is often a magnet for stolen credit cards, account takeovers and laundering through casino gameplay.
What does that mean for you as a decent player? First, the casino’s compliance software may flag your pattern as suspicious simply because you withdraw to a different address than you deposited from. Second, if the police or a payment provider starts investigating a particular address, the casino may freeze your funds without explanation. Third, if the casino is shut down for fraud, your balance disappears with it.
Some operators try to solve this by using a “pre-verification” system that scans your IP address and device data without asking for a document. If your behaviour looks normal, you pass. If not, they invent a reason to ask for ID. That is the most common pattern on sites like Mystake and 7bet. You feel like you’re playing anonymously, but the casino is actually profiling you the whole time.
The Future of No-Verification Gambling in the UK
If we’re honest, the days of truly anonymous online casinos are numbered. The push in Europe is toward more identity checks, not fewer. Germany introduced strict location-based verification, Spain did the same, and the UK is moving toward affordability checks that require even more financial data, not less.
The UK government has repeatedly talked about strengthening the gambling levy and extending safer-gambling standards to offshore operators that serve UK players. Whether that actually happens depends on political will, but the direction of travel is clear: casual anonymity is on its way out. The only place where it survives is the crypto-only segment, and even that is shrinking as financial regulators push for transaction monitoring on crypto networks.
For now, though, the market is split. If you want the ultimate privacy, you can still find Curacao sites that let you deposit and withdraw to a Bitcoin wallet without a single document. If you want a safe payout, you accept a UKGC-licensed casino with automated checks. Choosing between the two is a matter of tolerance for risk, not a moral judgment. Just don’t tell yourself that no verification equals no risk, because the moment you believe that, the casino has the upper hand.
Frequently Asked Questions
Are no verification casinos legal in the UK?
No. Any casino offering true no-verification play does not hold a UKGC licence and cannot legally serve UK players. Using one is not itself a criminal offence, but you have no regulatory protection. The only way to get legal, protected online gambling in the UK is through a UKGC-licensed operator, which by definition must verify your identity.
What is the fastest way to withdraw from a UK casino without document uploads?
Use a UKGC-licensed Pay & Play casino like MrQ or Casumo. They verify you automatically through your bank when you deposit, so no passport scans are needed. Withdrawals to the same bank account usually arrive in under an hour. That is the closest legal way to “no verification” in Britain.
Can I gamble with Bitcoin online without giving my ID?
Yes, at certain Curacao-licensed crypto casinos like Roobet or Goldenbet. You register with an email address, deposit Bitcoin, and withdraw to a Bitcoin wallet. However, you are not protected by UK law, and the casino can refuse payouts with no obvious recourse. Use a separate wallet and never deposit more than you can afford to lose.
Why do Curacao casinos ask for ID after I win?
Because their “no verification” promise is a marketing tool, not a policy. Most Curacao operators reserve the right to run checks when a withdrawal looks unusual, whether that means a large amount, a new address, or a bonus abuse flag. The phrase “we may require verification” appears somewhere in their terms. Players who know this will keep their session quiet and avoid huge single cashouts.
Do UKGC casinos share my gambling data with the government?
They share data with the Gambling Commission where required, mainly around licensing, complaints and money-laundering reports. They do not publish your betting history. The Commission can access operator records during an audit. Your data also goes to identity verification providers, but those are commercial services, not the government.
How can I check if a casino is licensed by the UKGC?
Scroll to the footer of the casino website and look for the UKGC licence number, usually in the form 000-xxxxx-xxxxx. You can then search that number on the Gambling Commission’s public register. If a site doesn’t show a UKGC number, it is not licensed in the UK, no matter what else it claims.
Our Verdict: Low-Verification Beats No-Verification
After testing both types of sites, the honest conclusion is that low-verification casinos deliver a better betting experience for UK players. They are quick, they are protected, and they still respect your time. No-verification casinos offer a slightly more exciting promise, but they can’t protect you from the moment when something goes wrong.
That moment is always the same: you win, and suddenly the casino needs to check who you are. It will either ask for documents, freeze your account, or close it permanently. The operators that skip this step entirely are usually ones that never intended to pay a large prize anyway. They rely on the fact that an angry player with no proof of identity is not a legal threat.
If you still want the no-verification route, the smartest way to do it is to keep your stakes modest, use crypto, and treat the site as disposable. If you win big, expect a fight. If you want a payout without a fight, pick a Pay & Play site and let your bank prove who you are. The price of that convenience is handing over some privacy, but at least the money ends up in your account.
That, not the absence of a passport scan, is what actually matters in 2026.