diff --git a/api/club.go b/api/club.go
index 99dc148..b77b9fe 100644
--- a/api/club.go
+++ b/api/club.go
@@ -24,7 +24,7 @@ func ApiClubList(c *gin.Context) {
 
 	ret.List = make([]item, 0, Clubs.Len())
 	for cid, club := range Clubs.Items() {
-		ret.List = append(ret.List, item{CID: cid, Name: club.Name})
+		ret.List = append(ret.List, item{CID: cid, Name: club.Name()})
 	}
 
 	RetOk(c, ret)
@@ -59,14 +59,14 @@ func ApiClubIs(c *gin.Context) {
 		if ai.CID != 0 {
 			var club *Club
 			if club, ok = Clubs.Get(ai.CID); ok {
-				ri.CID = club.CID
-				ri.Name = club.Name
+				ri.CID = club.CID()
+				ri.Name = club.Name()
 			}
 		} else {
 			for _, club := range Clubs.Items() {
-				if club.Name == ai.Name {
-					ri.CID = club.CID
-					ri.Name = club.Name
+				if name := club.Name(); name == ai.Name {
+					ri.CID = club.CID()
+					ri.Name = name
 					break
 				}
 			}
@@ -86,13 +86,8 @@ func ApiClubInfo(c *gin.Context) {
 		CID     uint64   `json:"cid" yaml:"cid" xml:"cid,attr" form:"cid" binding:"required"`
 	}
 	var ret struct {
-		XMLName xml.Name `json:"-" yaml:"-" xml:"ret"`
-		Name    string   `json:"name,omitempty" yaml:"name,omitempty" xml:"name,omitempty"`
-		Bank    float64  `json:"bank" yaml:"bank" xml:"bank"` // users win/lost balance, in coins
-		Fund    float64  `json:"fund" yaml:"fund" xml:"fund"` // jackpot fund, in coins
-		Lock    float64  `json:"lock" yaml:"lock" xml:"lock"` // not changed deposit within games
-		Rate    float64  `json:"rate" yaml:"rate" xml:"rate"` // jackpot rate for games with progressive jackpot
-		MRTP    float64  `json:"mrtp" yaml:"mrtp" xml:"mrtp"` // master RTP
+		XMLName  xml.Name `json:"-" yaml:"-" xml:"ret"`
+		ClubData `yaml:",inline"`
 	}
 
 	if err = c.ShouldBind(&arg); err != nil {
@@ -112,14 +107,7 @@ func ApiClubInfo(c *gin.Context) {
 		return
 	}
 
-	club.mux.Lock()
-	ret.Name = club.Name
-	ret.Bank = club.Bank
-	ret.Fund = club.Fund
-	ret.Lock = club.Lock
-	ret.Rate = club.Rate
-	ret.MRTP = club.MRTP
-	club.mux.Unlock()
+	ret.ClubData = club.Get()
 
 	RetOk(c, ret)
 }
@@ -151,14 +139,12 @@ func ApiClubRename(c *gin.Context) {
 		return
 	}
 
-	if _, err = cfg.XormStorage.ID(club.CID).Cols("name").Update(&Club{Name: arg.Name}); err != nil {
+	if _, err = cfg.XormStorage.ID(club.CID()).Cols("name").Update(&ClubData{Name: arg.Name}); err != nil {
 		Ret500(c, AEC_club_rename_update, err)
 		return
 	}
 
-	club.mux.Lock()
-	club.Name = arg.Name
-	club.mux.Unlock()
+	club.SetName(arg.Name)
 
 	Ret204(c)
 }
@@ -203,11 +189,10 @@ func ApiClubCashin(c *gin.Context) {
 		return
 	}
 
-	club.mux.Lock()
-	var bank = club.Bank + arg.BankSum
-	var fund = club.Fund + arg.FundSum
-	var lock = club.Lock + arg.LockSum
-	club.mux.Unlock()
+	var bank, fund, lock = club.GetCash()
+	bank += arg.BankSum
+	fund += arg.FundSum
+	lock += arg.LockSum
 
 	if bank < 0 {
 		Ret403(c, AEC_club_cashin_bankout, ErrBankOut)
@@ -231,7 +216,7 @@ func ApiClubCashin(c *gin.Context) {
 		LockSum: arg.LockSum,
 	}
 	if err = SafeTransaction(cfg.XormStorage, func(session *Session) (err error) {
-		if _, err = session.Exec(sqlclub, arg.BankSum, arg.FundSum, arg.LockSum, club.CID); err != nil {
+		if _, err = session.Exec(sqlclub, arg.BankSum, arg.FundSum, arg.LockSum, club.CID()); err != nil {
 			Ret500(c, AEC_club_cashin_sqlbank, err)
 			return
 		}
@@ -245,11 +230,7 @@ func ApiClubCashin(c *gin.Context) {
 	}
 
 	// make changes to memory data
-	club.mux.Lock()
-	club.Bank += arg.BankSum
-	club.Fund += arg.FundSum
-	club.Lock += arg.LockSum
-	club.mux.Unlock()
+	club.AddCash(arg.BankSum, arg.FundSum, arg.LockSum)
 
 	ret.BID = rec.ID
 	ret.Bank = bank
diff --git a/api/keno.go b/api/keno.go
index 941957d..9f8ed10 100644
--- a/api/keno.go
+++ b/api/keno.go
@@ -320,9 +320,7 @@ func ApiKenoSpin(c *gin.Context) {
 		return
 	}
 
-	club.mux.RLock()
-	var bank = club.Bank
-	club.mux.RUnlock()
+	var bank = club.Bank()
 	var mrtp = GetRTP(user, club)
 
 	// spin until gain less than bank value
@@ -352,9 +350,7 @@ func ApiKenoSpin(c *gin.Context) {
 	}
 
 	// make changes to memory data
-	club.mux.Lock()
-	club.Bank += banksum
-	club.mux.Unlock()
+	club.AddBank(banksum)
 	props.Wallet -= banksum
 
 	// write spin result to log and get spin ID
diff --git a/api/logic.go b/api/logic.go
index 0c968bb..dde2e90 100644
--- a/api/logic.go
+++ b/api/logic.go
@@ -9,8 +9,7 @@ import (
 	"github.com/slotopol/server/util"
 )
 
-// Club means independent bank into which gambles some users.
-type Club struct {
+type ClubData struct {
 	CID   uint64    `xorm:"pk autoincr" json:"cid" yaml:"cid" xml:"cid,attr"`                                        // club ID
 	CTime time.Time `xorm:"created 'ctime' notnull default CURRENT_TIMESTAMP" json:"ctime" yaml:"ctime" xml:"ctime"` // creation time
 	UTime time.Time `xorm:"updated 'utime' notnull default CURRENT_TIMESTAMP" json:"utime" yaml:"utime" xml:"utime"` // update time
@@ -20,8 +19,16 @@ type Club struct {
 	Lock  float64   `xorm:"notnull default 0" json:"lock" yaml:"lock" xml:"lock"`          // not changed deposit within games
 	Rate  float64   `xorm:"'rate' notnull default 2.5" json:"rate" yaml:"rate" xml:"rate"` // jackpot rate for games with progressive jackpot
 	MRTP  float64   `xorm:"'mrtp' notnull default 0" json:"mrtp" yaml:"mrtp" xml:"mrtp"`   // master RTP
+}
 
-	mux sync.RWMutex
+func (ClubData) TableName() string {
+	return "club"
+}
+
+// Club means independent bank into which gambles some users.
+type Club struct {
+	data ClubData
+	mux  sync.RWMutex
 }
 
 // User flag.
@@ -154,6 +161,94 @@ var Users util.RWMap[uint64, *User]
 // All scenes, by GID.
 var Scenes util.RWMap[uint64, *Scene]
 
+func MakeClub(cd ClubData) *Club {
+	return &Club{data: cd}
+}
+
+func (club *Club) Get() ClubData {
+	club.mux.RLock()
+	defer club.mux.RUnlock()
+	return club.data
+}
+
+func (club *Club) CID() uint64 { // read only
+	return club.data.CID
+}
+
+func (club *Club) Name() string {
+	club.mux.RLock()
+	defer club.mux.RUnlock()
+	return club.data.Name
+}
+
+func (club *Club) SetName(name string) {
+	club.mux.Lock()
+	defer club.mux.Unlock()
+	club.data.Name = name
+}
+
+func (club *Club) Bank() float64 {
+	club.mux.RLock()
+	defer club.mux.RUnlock()
+	return club.data.Bank
+}
+
+func (club *Club) Fund() float64 {
+	club.mux.RLock()
+	defer club.mux.RUnlock()
+	return club.data.Fund
+}
+
+func (club *Club) Deposit() float64 {
+	club.mux.RLock()
+	defer club.mux.RUnlock()
+	return club.data.Lock
+}
+
+func (club *Club) GetCash() (bank, fund, deposit float64) {
+	club.mux.RLock()
+	defer club.mux.RUnlock()
+	return club.data.Bank, club.data.Fund, club.data.Lock
+}
+
+func (club *Club) AddCash(bank, fund, deposit float64) {
+	club.mux.Lock()
+	defer club.mux.Unlock()
+	club.data.Bank += bank
+	club.data.Fund += fund
+	club.data.Lock += deposit
+}
+
+func (club *Club) AddBank(bank float64) {
+	club.mux.Lock()
+	defer club.mux.Unlock()
+	club.data.Bank += bank
+}
+
+func (club *Club) AddFund(fund float64) {
+	club.mux.Lock()
+	defer club.mux.Unlock()
+	club.data.Fund += fund
+}
+
+func (club *Club) AddDeposit(deposit float64) {
+	club.mux.Lock()
+	defer club.mux.Unlock()
+	club.data.Lock += deposit
+}
+
+func (club *Club) Rate() float64 {
+	club.mux.RLock()
+	defer club.mux.RUnlock()
+	return club.data.Rate
+}
+
+func (club *Club) MRTP() float64 {
+	club.mux.RLock()
+	defer club.mux.RUnlock()
+	return club.data.MRTP
+}
+
 func (user *User) Init() {
 	user.games.Init(0)
 	user.props.Init(0)
@@ -205,14 +300,12 @@ func MustAdmin(c *gin.Context, cid uint64) (*User, AL) {
 
 func GetRTP(user *User, club *Club) float64 {
 	if user != nil {
-		if props, ok := user.props.Get(club.CID); ok && props.MRTP != 0 {
+		if props, ok := user.props.Get(club.CID()); ok && props.MRTP != 0 {
 			return props.MRTP
 		}
 	}
-	club.mux.RLock()
-	defer club.mux.RUnlock()
-	if club.MRTP != 0 {
-		return club.MRTP
+	if mrtp := club.MRTP(); mrtp != 0 {
+		return mrtp
 	}
 	return cfg.DefMRTP // default master RTP if no others found
 }
diff --git a/api/slot.go b/api/slot.go
index 0cc3dfc..621700a 100644
--- a/api/slot.go
+++ b/api/slot.go
@@ -284,9 +284,7 @@ func ApiSlotSpin(c *gin.Context) {
 		return
 	}
 
-	club.mux.RLock()
-	var bank = club.Bank
-	club.mux.RUnlock()
+	var bank = club.Bank()
 	var mrtp = GetRTP(user, club)
 
 	// spin until gain less than bank value
@@ -321,9 +319,7 @@ func ApiSlotSpin(c *gin.Context) {
 	}
 
 	// make changes to memory data
-	club.mux.Lock()
-	club.Bank += banksum
-	club.mux.Unlock()
+	club.AddBank(banksum)
 	props.Wallet -= banksum
 	game.Apply(scrn, wins)
 
@@ -434,9 +430,7 @@ func ApiSlotDoubleup(c *gin.Context) {
 		return
 	}
 
-	club.mux.RLock()
-	var bank = club.Bank
-	club.mux.RUnlock()
+	var bank = club.Bank()
 	var mrtp = GetRTP(user, club)
 
 	var multgain float64 // new multiplied gain
@@ -458,10 +452,7 @@ func ApiSlotDoubleup(c *gin.Context) {
 	}
 
 	// make changes to memory data
-	club.mux.Lock()
-	club.Bank += banksum
-	club.mux.Unlock()
-
+	club.AddBank(banksum)
 	props.Wallet -= banksum
 
 	game.SetGain(multgain)
diff --git a/api/user.go b/api/user.go
index df6c684..1a454b6 100644
--- a/api/user.go
+++ b/api/user.go
@@ -214,7 +214,7 @@ func ApiUserDelete(c *gin.Context) {
 	for cid, props := range user.props.Items() {
 		ret.Wallets[cid] = props.Wallet
 		if club, ok := Clubs.Get(cid); ok && props.Wallet != 0 {
-			club.Lock += float64(props.Wallet)
+			club.AddDeposit(props.Wallet)
 			ret.Wallets[cid] = props.Wallet
 		}
 	}
diff --git a/cmd/startup.go b/cmd/startup.go
index 00a890f..251f167 100644
--- a/cmd/startup.go
+++ b/cmd/startup.go
@@ -152,16 +152,16 @@ func InitStorage() (err error) {
 
 	var offset = 0
 	for {
-		var chunk []*api.Club
+		var chunk []api.ClubData
 		if err = session.Limit(limit, offset).Find(&chunk); err != nil {
 			return
 		}
 		offset += limit
-		for _, club := range chunk {
-			api.Clubs.Set(club.CID, club)
+		for _, cd := range chunk {
+			api.Clubs.Set(cd.CID, api.MakeClub(cd))
 			var bat = &api.SqlBank{}
-			bat.Init(club.CID, Cfg.ClubUpdateBuffer, Cfg.ClubInsertBuffer)
-			api.BankBat[club.CID] = bat
+			bat.Init(cd.CID, Cfg.ClubUpdateBuffer, Cfg.ClubInsertBuffer)
+			api.BankBat[cd.CID] = bat
 		}
 		if limit > len(chunk) {
 			break