Features/Bank & Loans
Bank & Loans
Run your server like a real economy.
Keep it simple and let points flow freely, or switch to a finite server bank where every reward has to be paid for. Add taxes, and let members take out loans.
Features/Bank & Loans
Bank & Loans
Keep it simple and let points flow freely, or switch to a finite server bank where every reward has to be paid for. Add taxes, and let members take out loans.
Economy mode
1,000
Click an event and Points logs where the points went.
| Simple | Advanced | |
|---|---|---|
| Where points come from | Created freely | Paid from the server bank |
| Rewards, game payouts and refunds | Always paid | Refused if the bank can't cover them |
| Shop purchases | Leave the economy | Go into the bank |
| Income tax | Goes into the bank | Goes into the bank |
| Best for | Low-maintenance servers | Realistic economies with scarcity |
Loans
Loans have a fixed interest rate, a due date and a grace period. Members who don't repay in time have their assets frozen until the debt is settled.
The limit is the lower of 2× your balance (4,200) and 50% of the bank (3,000). These are the defaults, and admins can change all of them.
Total to repay
1,265
3,000
Most you can borrow
165
Interest over 30 days
296
About per week
What happens over time
Day 0 to 30
Active
Spend freely and repay any time.
Day 30 to 37
Overdue
A grace period to catch up.
After day 37
Frozen
No paying, buying, gifting or games until it's repaid.
Take out a loan. One active loan at a time.
Pay part of it, or leave the amount blank to repay it all.
See what you owe, what you've paid and when it's due.
For admins
Change any of these from the dashboard. Moderators can also move points in and out of the bank with /bank add and /bank subtract.
| Setting | Default | What it does |
|---|---|---|
| Economy mode | Simple | Free-flowing points, or payouts from a finite bank |
| Income tax | On | Collects a share of larger rewards into the bank |
| Tax rate | 10% | Applies to rewards of 100 or more |
| Loans | On | Turns the loan system on or off |
| Interest rate | 15% | Charged on the amount borrowed, not compounding |
| Balance multiplier | 2× | Most a member can borrow, as a multiple of their balance |
| Bank percentage | 50% | Most a member can borrow, as a share of the bank |
| Loan period and grace period | 30 days, 7 days | Time to repay, then extra time before assets freeze |
New to economy modes? Read the economy mode guide or the loans guide.