The way to win the coins is to have a bigger number than the other player(s) without going over 21. Each player starts with 30 coins, and they can earn more by getting a better hand. Each round, the player can choose "Hit me" or "Stand." Until each player has taken their turn, the only cards that a player can see are their hand and any extra cards that their opponents received by "hitting." The number of coins transferred between players is determined by the difference in the value of hands provided that no player went over 21. Whoever has the most coins at the end of three, five, or seven rounds is declared the winner of the game. The game is also over if someone's coin total reaches zero or a negative number.
If a player's hand total goes over 21, that is a bust; if some (but not all) players bust, then each player that busts pays five coins to each winner.
If a player gets 21 exactly, then the winnings are doubled or tripled based on how many cards it took to reach 21. If it took more than two cards to reach 21, the winnings are doubled; if it took exactly two cards to reach 21, the winnings are tripled and the hand is scored as a Luigi-Jack.
With three or four players
In games of three or four players, only the player with the best hand can take coins from other players; if a player has neither the best nor the worst hand, the player does not gain coins from the players that they beat. If multiple (but not all) players have the best hand, the total number of coins the losers pay is multiplied accordingly (double for two winners, triple for three winners). Also, a Luigi-Jack scores better than a regular 21—if there is at least one Luigi-Jack player, players scoring a regular 21 do not win coins but do not lose coins either; players with a hand total that does not equal 21 pay only the Luigi-Jack players triple the difference based on how close they were to 21, or 15 coins if they bust (getting Luigi-Jack triples the number of coins gained or lost in the round).
Add up your cards and try to get as close to 21 as possible. The player who's closest wins! If you go over 21, you lose. Aces count as either 1 or 11. Jacks, queens, and kings are all worth 10.
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