Ciruin Credit Union
Posted: 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).
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).