Originally they paid out money in rotation to family members who needed it for sacrificial rites, marriages, funerals and the like, with any disputes over precedence being arbitrated by the local elders; later people felt this method was not objective enough, so they drew lots to let the spirits decide; later still, a bidding system developed whereby the money pool goes to the person bidding the highest rate of interest.
原先是由家中有祭祀、婚喪喜慶等需要用錢的人輪得，若有爭議，則由地方長老裁定；後來大家覺得這樣不夠客觀，便抽籤由神明決定；再來則演變為由願意出較高利息的人得標。