Banking
- Exekiel
- Demonslayer
- Posts: 282
- Joined: Sat Jun 07, 2014 3:21 am
- Ingame name:: Evivy
- Sex: Female
- Class: Arch-Seyan
- Clan: Poison
- Location: St. Louis
Banking
So the bank is more than just a safe place to rest gold.
You have the bank offer investment and loan accounts. People and clans can put money into the investment side, and then the bank lends it out to people who want to take out loans with interest rates of like 10% a day.If you don't pay up, you get beaten and mugged by two "thug" characters that hunt you down and beat you up (or the bank puts up a contract, death counts as Arena death but the gold goes to the bank). Lending limits based on level. Possible credit score integration, if you are ambitious.
Or you could just get -1 karma each day you are late a payment, this way you risk an account so you can't just make a throw away character to steal gold.
You have the bank offer investment and loan accounts. People and clans can put money into the investment side, and then the bank lends it out to people who want to take out loans with interest rates of like 10% a day.If you don't pay up, you get beaten and mugged by two "thug" characters that hunt you down and beat you up (or the bank puts up a contract, death counts as Arena death but the gold goes to the bank). Lending limits based on level. Possible credit score integration, if you are ambitious.
Or you could just get -1 karma each day you are late a payment, this way you risk an account so you can't just make a throw away character to steal gold.
"My name is Ozymandias, king of kings:
Look on my works, ye Mighty, and despair!"
Look on my works, ye Mighty, and despair!"
Re: Banking
This idea is very very nice. The only part I dislike is the karma part. A player shouldn't lose his character or account due to being a negligent casual.
Other than that damn, it sure would be sweet to be able to take loans out.
Other than that damn, it sure would be sweet to be able to take loans out.
- Exekiel
- Demonslayer
- Posts: 282
- Joined: Sat Jun 07, 2014 3:21 am
- Ingame name:: Evivy
- Sex: Female
- Class: Arch-Seyan
- Clan: Poison
- Location: St. Louis
Re: Banking
Yea. As long as we do something to increase security of loans. I'm no good with SQL so I sure as hell couldn't program it, but I could line up the mathematics, credit algorithms, interest calculations, etc. Hell, we could even have interest rates linked to credit: the higher risk, the higher reward.
This would also make it easier to get professions, you just have to earn enough money with it to pay it back, or sit in jobby hard.
I personally would put a lot into investment accounts.
This would also make it easier to get professions, you just have to earn enough money with it to pay it back, or sit in jobby hard.
I personally would put a lot into investment accounts.
"My name is Ozymandias, king of kings:
Look on my works, ye Mighty, and despair!"
Look on my works, ye Mighty, and despair!"
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- Advanced Demonslayer
- Posts: 614
- Joined: Fri May 23, 2014 8:20 pm
- Ingame name:: Freya
- Sex: Female
- Class: Mage
- Clan: Elysium
Re: Banking
this sounds very interesting indeed. I favor the suggestion of the bank putting up a warrant and then other players can hunt you down for a % reward. Making it riskier the more money you lend.
Human Relations Manager
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- Demonslayer
- Posts: 323
- Joined: Wed Jun 04, 2014 9:04 am
- Ingame name:: Fred
- Sex: Male
- Class: Seyan
- Clan: The Prime Evils
Re: Banking
Here's the flaw: Make another account, take a loan, give the gold to your main account, delete the alt one -> Free money
- platinum
- Freelance Dragonkiller
- Posts: 165
- Joined: Mon Jun 09, 2014 6:02 pm
- Ingame name:: Platinum
- Sex: Male
- Class: Arch-Seyan
- Clan: Elysium
- Location: 'Murica
Re: Banking
i thought of that. so i'm thinking make the loan amount for pre-arch players very small.Fred wrote:Here's the flaw: Make another account, take a loan, give the gold to your main account, delete the alt one -> Free money
The Team, The Team, The Team. -Bo Schembechler
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- Demonslayer
- Posts: 323
- Joined: Wed Jun 04, 2014 9:04 am
- Ingame name:: Fred
- Sex: Male
- Class: Seyan
- Clan: The Prime Evils
Re: Banking
It's primairly low levels that want money to buy gearplatinum wrote:i thought of that. so i'm thinking make the loan amount for pre-arch players very small.Fred wrote:Here's the flaw: Make another account, take a loan, give the gold to your main account, delete the alt one -> Free money
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- Advanced Demonslayer
- Posts: 614
- Joined: Fri May 23, 2014 8:20 pm
- Ingame name:: Freya
- Sex: Female
- Class: Mage
- Clan: Elysium
Re: Banking
Ye, this is a problem. People always look for ways to abuse things. (Unfortunately)
Human Relations Manager
- Sealav
- Demonslayer
- Posts: 258
- Joined: Sun May 25, 2014 1:57 am
- Ingame name:: Sealav
- Sex: Male
- Class: Arch-Seyan
- Location: New Jersey
Re: Banking
You could make it account bound where it's all your alts that are affected. Or program (sorry dev team) a credit card type thing where the money you borrow is on the card and the card is account bound.
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- Demonslayer
- Posts: 323
- Joined: Wed Jun 04, 2014 9:04 am
- Ingame name:: Fred
- Sex: Male
- Class: Seyan
- Clan: The Prime Evils
Re: Banking
I already said people will just make another account for this... It's a nice idea, but bad in practiseSealav wrote:You could make it account bound where it's all your alts that are affected. Or program (sorry dev team) a credit card type thing where the money you borrow is on the card and the card is account bound.