It's crediting the user's wallet automatically after the cut-off time, but what do you think is better? crediting the rakeback automatically to the user's wallet or user able to claim it manually from the rakeback page?
For me its manually claim for the rakeback on the rakeback page is more appropriate since user can check how much they earn and store it safe first so that they will not spent if they are currently doing gambling. Also making it automatically credited the moment player place a bet is a cool feature too for a better tracking on rakeback earned.
Manual claiming is what I often see the most but if they can do it automatically then that would be interesting too. If we want to track how much rakeback we earned, I think we can always check that in the transaction history. I guess each casino has this feature as it was important. Having a manual rakeback has its advantage, and that is the same as what you said. A user can choose to not claim it for a while if it's still small. Actually, this is what I am doing now.
I also practice to not look at my rakeback too often because if I do, I got tempted on claiming it and then busting it out instantly. Also, not checking it often will give the illusion that your rakebacks are growing faster.