Ciruin Credit Union

Severe
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Ciruin Credit Union

Postby Severe » Tue Aug 01, 2017 2:14 pm

Okay so here's how it works:

You have the ability to invest gold into a specific city's bank. To do so, you pay a fee each week or month based on a % of the gold you have. On top of that, there is a fee to store items in the bank's vault (say something like 10g per vaulted item). There is an item withdrawal fee if you withdraw from a different bank than the one you deposited it in (think ATM fees). You then get weekly or monthly dividends based on how well the bank does, which comes from the fees and is split between the "credit union members" (minus a small % that is kept by the bank). The trick is that you have to log in sometime during that week to collect your dividends.

The benefits:

- It discourages people from simply storing gold in the bank and moves the gold around. Loyal members who store more gold in the bank -
get bigger dividends.
- This is a good way to slowly reduce the amount of gold in the game and keep the economy stable.
- It encourages people to log in both to ensure they have enough gold in the bank for the fee and to collect their payment.

Considerations:

- If someone does not log in over an extended period of time and is unable to put more gold into their account to cover the fees, maybe the bank could repossess something from the vault stored in that bank (random). If they don't have anything in the bank's vault, their account is just closed.

Thoughts? This would obviously a pretty tall order, but I think it could create an interesting dynamic in the game. The surplus required to make it work would have to come from the vault fees. Otherwise, there would be no dividends (if you account for the bank's rake).

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Kawasaki
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Re: Ciruin Credit Union

Postby Kawasaki » Tue Aug 01, 2017 3:20 pm

NO. Per request on discord

Severe
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Re: Ciruin Credit Union

Postby Severe » Tue Aug 01, 2017 3:33 pm

Kawasaki wrote:NO. Per request on discord
+1

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NiteHawk
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Re: Ciruin Credit Union

Postby NiteHawk » Tue Aug 01, 2017 5:31 pm

People will always find loopholes. All you are making the player to do for the most case is create storage alts that don't have any need for interest or gold interest. It wouldn't really work out and most people will just have a base of operations, probably in Seamoor.

If people logged in and realized they lost half their gold in interest because they left the game as well, I think thats more of a means to making players quit. I don't think a system like this would make players 'stay'. Rather, a banking system isn't a reason players would want to continue playing our game and logging in.

Severe
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Re: Ciruin Credit Union

Postby Severe » Wed Aug 02, 2017 7:07 am

NiteHawk wrote:People will always find loopholes. All you are making the player to do for the most case is create storage alts that don't have any need for interest or gold interest. It wouldn't really work out and most people will just have a base of operations, probably in Seamoor.

If people logged in and realized they lost half their gold in interest because they left the game as well, I think thats more of a means to making players quit. I don't think a system like this would make players 'stay'. Rather, a banking system isn't a reason players would want to continue playing our game and logging in.


I get that. I just see or want to see two things:
1. Some sort of passive income
2. We need something similar to houses in rok that forces people to log in and generate/pay gold to keep their stuff

Of course this is a super long shot and I'm sure there are some ways that this can be exploited that I haven't thought about.

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daedroth
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Re: Ciruin Credit Union

Postby daedroth » Wed Aug 02, 2017 7:40 am

Some ideas:
Currency Value changing - problematic since there is only gold.
The value of the currency based on how well the city is doing (but this would need some kind of trade/economy simulation), but it opens up the potential for quests (trade quests - escort/trade/raid for each of the cities - sadly it seems that all the cities are at peace and ruled from Aldernan).
Ack, nm.
Disclaimer: Any ideas I come up with may not even meet my approval. I am just posting an idea based on the topic I have just read.
I love sheep.

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NiteHawk
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Re: Ciruin Credit Union

Postby NiteHawk » Wed Aug 02, 2017 8:23 am

Passive income. Lol nu.

Houses are already at work. So are clan houses. Both however do require monthly fees and will be buildable. Houses might have 2x2 or 3x3 depending on how we do it. Clan houses will require alot of gold, have unique rooms, and with the global ember/clans wars, will probably require rebuilding from attacks from time to time.

I have a post about Clan Wars somewhere in Core you can probably read about it.

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Styx
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Re: Ciruin Credit Union

Postby Styx » Thu Aug 03, 2017 7:53 am

Promoting banking in a fantasy rpg, bad idea

killa
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Re: Ciruin Credit Union

Postby killa » Thu Aug 03, 2017 6:24 pm

or we can get that poker room done so I can start just taking all you guys gold

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Folder
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Location: Texas

Re: Ciruin Credit Union

Postby Folder » Thu Aug 03, 2017 6:25 pm

killa wrote:or we can get that poker room done so I can start just taking all you guys gold


yesplz
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