Banking
Banks are set up throughout major cities and use clockwork mechanisms to keep their money safe. Upper-class banks use active security systems to reassure wealthy customers about the safety of their money.
There are five banks within the world, Bank of Quartz, Merchant’s Treasury, Band of the Barrens, Emerald Exchange, and Clockwork Vault. Each has their own requirements for becoming a member.
Banks use an energetic system for their ledgers in order to keep track of how much money you have in your account. People can withdraw or deposit money at any of the bank locations they are a member of. They don’t have to stay at one location unless they have an infinite safety box.
Bank of the Barrens
The main bank of Vroth, named after the desert island, that is Vroth. This bank was created when the borders of Vroth were closed. They were originally a branch of Merchant’s Treasury, but the closed borders prevented any connection to the home location. Resulting in the banks of Vroth to branch off and create their own system, away from the temple aspects of the Merchant’s Treasury. This bank is mostly in Vroth, but has locations in major cities throughout the world.
Membership: 10gc Vroth natives, 20gc others
Coins Insured: 10,000gc
Infinite Safety Box: 50gc Vroth natives, 70gc others
Loan Maximum: 100,000gc
Loan Interest: 7%
Bank of Quartz
The Bank of the Quartz is the second oldest bank in the world. They specialize in letting the less wealthy to have memberships with them, but do not cover as many coins should a mishap happen. Their membership fee is a onetime payment and only insures up to a specific amount. Bank of Quartz has locations in every major city.
Membership: 2gc
Coins Insured: 500gc
Infinite Safety Box: 15gc
Loan Maximum: 25,000gc
Loan Interest: 5%
Clockwork Vault
The bank of Tsumeta, named after the invention of clockwork devices and steam power. They are the official bank of the gnomes of Tsumeta. It was started by the Ramhar in order to store all the coins they gained from when they created steam power. This bank has the most sophisticated clockwork and energetic security than all the other banks. Their locations are mostly in Tsumeta, but they have banks in every major city.
Membership: 20gc
Coins Insured: 25,000gc
Infinite Safety Box: 100gc
Loan Maximum: 250,000gc
Loan Interest: 9%
Emerald Exchange
The bank of Page created by Emperor Page to ensure his people have a safe place to store their hard-earned coin. Although most members of the Emerald Exchange are families and share the same accounts, it is possible to get a personal membership for a little extra coin. This bank is mostly in Page, but they do have locations in every major city.
Membership: 10gc family, 20gc individual
Coins Insured: 5,000gc
Infinite Safety Box: 50gc
Loan Maximum: 50,000gc
Loan Interest: 6%
Merchant’s Treasury
The Emerald Exchange is the original and oldest bank in the world. They pride themselves on not only being a bank but also a temple to the merchant deity. They accept donations and membership fees for opening an account, as their banks also serve as temples. Donations, however, do not get you an account, but they are very thankful for them. Merchant’s Treasury has locations in every major city and all throughout the kingdoms as temples.
Membership: 15gc
Coins Insured: 20,000gc
Infinite Safety Box: 50gc
Loan Maximum: 200,000gc
Loan Interest: 8%
Grimslarian Visa
Entering the Grimslar Empire’s lands requires a visa based on the ring’s social status you are accessing. The higher the ring’s social status, the more the visa costs. In addition, the longer you wish to stay in Grimslar, the more the visa costs. It is possible to purchase a yearly visa if you are a merchant from another empire wishing to partake in regular trade.
Regardless of the settlement, if you do not have the proper visa some establishments can choose to refuse service. See the Grimslarian culture in the cultures and empires chapter for more information.
*Yearly price is based on the type of visa needed and is multiplied by one day of that visa’s cost.
Infinite Safety Box
Infinite safety boxes do not move around like the records in ledgers. They remain at the location they were purchased and have different prices depending on the bank you are a member of.
These boxes are energetically created to store almost an infinite amount of stuff. The owner of the box can stick their hand into the box while thinking of the item they want, and it appears in their hand; provided the item has been previously put in the box. The boxes opening is only one square foot, making it impossible to store anything larger than one foot wide.
Loans
If you are looking to purchase a property or make other large purchases, it is possible to take out a loan from a bank. Each bank has their own maximum amount they will loan out and their own interest rates.
Taking out a loan may appear to be an excellent method to get a significant amount of money quickly, but be careful because failing to make your monthly payments can cause severe consequences. Not only is your property, and any goods confiscated, but the banks have legal rights to hire bounty hunters (at your expense) to bring you back – preferably alive. Once captured and returned, you become an indentured servant until your debt is paid. Indentured servants are given to slave owners to take on their debt. The servant’s wages are given to the bank as payment until their debt is paid. Once their debt is paid, the indentured servant become a slave, as any expenses accrued while an indentured servant becomes a slave debt separate to the debt to the bank.
