Model Danii Banks understands the main gripe with her flashing boobs at an NFL game -- the fact lots of kids were in the stadium -- but she's confident no little ones saw her top drop.

The OnlyFans model tells TMZ, she was in a 21 and up section when she freed her nipples during last Sunday's Las Vegas Raiders game ... and it wasn't like she and "the girls" were featured on the stadium big screen.

So, Danii believes kids couldn't possibly have seen her brief topless moment. Well, unless they had binoculars in a nearby section -- but what are the chances of that?

Danii, as we first reported, ended up getting booted from Allegiant Stadium for the sexy stunt, but says it was only security guards and police who had a problem when they saw the nudity.

DB did post a blurred version of her going topless on her social media ... which is now littered with comments from haters saying she never should have flashed her boobs around young fans.

She says she understands those concerns, to an extent, and apologizes to any parents if their kids happened to get an eyeful of Banks' assets.

Not everyone is mad at Danii though ... she says she's gotten thousands of new OnlyFans subscribers since last Sunday night, and she tells us how a bachelor party played a big role in her top coming off.