What if the NCAA or school states that their players can't accept the money?

This is highly unlikely, and fraught with legal complications for the NCAA. However, if we are unable to engage the athlete in an endorsement deal for any reason, fans will have their Stakes refunded to their Fanstake account. With the House Settlement likely to go through, Fanstake's deals could potentially be subject to third-party clearinghouse review to assess "Fair market value." Fanstake is particularly well-positioned for this outcome because we are unassociated to specific universities (and unbiased), and all deals are negotiated in an free and fair open market (in other words, the definition of FMV).