Okay. I'll give it a shot I guess.

First, the deck is shuffled (duh =P)
Then, each player gets 25 points. (This is the starting amount; once a player reaches 0 points he or she is eliminated (point increase/decrease will be explained later).

The main goal of the game is to make the best hand possible out of the given hand, where the best hand is the one closest to the number 0.

Then, each player would be dealt 3 cards (face down; so they wouldnt be visible to other players). The player who dealt the cards, or the player in the clockwise direction of the dealer goes first (turns should go clockwise) in the case if the dealer is not playing. Before seeing the cards, that player must wager in 1 or their points, and the player going after must wager 2.
Then, every player can privately see their own hand of 3 cards. The player following the player who wagered 2 pts goes. He or she can either put in 2 of their points, or "defect". If they "defect", they are out for the current round (probably because they have a bad hand) and they wouldnt lose anything. If a player decides to "Defect" somewhere mid round when its their turn, they would lose all the points they already wagered in during that round (so say someone put in 2 points one turn, then when their turn comes again they do not want to risk putting in more points cause they dont have a winning hand, they defect for the current round and the 2 points they wagered in are gone.

A player could also increase the point amount currently needed. (Say someone wagers 2 points, another player could for instance double the needed wager to 4).

If a player in the middle of the circle wagers a higher amount, everyone must have had points equivalent to that amount wagered in before the next step occurs.
(ex. Player 1 wagers 1 point, Player 2 and 3 both put in a point, Player 4 decides to increase to 2 coins. Player 5, who hasnt gone yet, must put in 2 points, but players 1, 2, and 3 must put in only 1 point at least, because they already have one of their points wagered already (1+1 = 2!!!). Note that the players who were forced to put in the points before even seeing their hands count in the wager amount, so technically the minimum wager should be two, because thats what the 2nd person is forced to pay.

The next step occurs when the turns return to the first player who needs not put in any more points in the wager, because they have the current set amount in already.

Next phase, 1 card is placed face down (Irrelevant card, prevents predictability or cheating), and then one card face up above it. Players must think of the best way they can combine their hands with that card to make the number closest to 0.

IMPORTANT NOTE: 4 cards must be included in the combination to make the best card. Since there will be 2 cards placed on the table, and 3 in the players hand, the player could choose any 1 of the 5 cards to disclude in their combo.

During this step when the first card is revealed, players must make a new circle of bidding (except this time, the wager could be anything since its a new step (although the wagered points still remain as the "prize"). The first player to bid in this round has a choice. He or she could either "Pass", which means they would set the wager for the step to 0 points, they could "Wager", putting in at least 1 point and making everyone have to have at least 1 point in the wager for this round, or "Defect". If the player selects "Pass", the next person to go can choose to do so too, but once somebody breaks a pass by wagering in at least 1 point, there could be no more "Passes" during the step.

Next round, another card is placed face down (Also irrelevant) and a 2nd above that, face up. The circle starts again, with a new round of bidding following the same rules as last time, except now all the possible cards are revealed. The players who hadn't defected yet do one more round of bidding, and then once its over they reveal their hands, and say what card they disclude for their combination. The player who has the closest to 0 wins all the wagered points for the round (Starting from the first step).

If for any reason there is a tie for the prize (like one person has a total of 2, and the other also a 2 or a -2), the prize is split 50/50. If even then there is an odd number of points in the wager (say 11), then the person out of the ones that tied whose 5th card closest to 0 gets the remaining point.

After this, all the cards are put back into the deck and they are re-shuffled and a new round begins.

The winner of the game is the last one who has a point amount of at least 1.

OTHER IMPORTANT RULES:
DISCLUDED CARDS: The prisms are discluded from the game. Although they might be fun to use to trade cards randomly with a teammate, it would just get overly confusing and wont work.

If a player puts in an amount of points in a wager that the next player does not have (say, player 1 wagers 15 points, but player 2 has only 12), and the next player still wishes to continue going, they must put in all their points (12) and this is set as the new wager. Anyone who has put in more than the total amount of points required during that step (like the player who wagered in 15 for example) withdraws any excess points and they are returned to the respective player who put them in (so player 1 would get 3 points back).

If you find any flaws in this, feel free to point them out and I'll see how i can fix them.