Off-chain transactions would allow Bitcoin payments to be settled instantly, privately, and with low fees. Payment channels provide part of the solution, but the main benefits are lost if routing payments require immobile centralized hubs. We propose a solution to the routing problem using probabilistic payments. The network routes payments from sender to recipient through provable games of chance. Games of chance yield an expected value equivalent to payment, while reducing the frequency of on-chain settlement. Finders distribute staked funds. Users join pools to hedge volatility. Through this process a near-complete graph is formed, negating positional advantage among pools.