What transaction deducts the user’s balance?

The stake that the user places should be deducted from his wallet following debitTransaction Block. Block is active during risk validation (betting delay) and enables you to reserve the balance on the user’s side. If the ticket is accepted, this is confirmed by debitTransaction DebitWithUpdatedPossibleWin. If rejected, you will get creditTransaction Refund, informing you to return the stake to the user.