Tomikuji was developed from tanomoshi (a mutual credit association) and especially from torinoki mujin, because tanomoshi had only a few sponsors and limited amount of prize money, it couldn't satisfy people's speculative spirits.
富籤は頼母子（無尽）、とくに取退無尽(とりのきむじん)が変じたもので、頼母子は出資者数が少なく獲得額に限度があり、射幸心を充分には満足させられないなどの理由があった。