discussion [Guide] Understanding the Bank, Interest & Vault System

[Jack Of Blades]

Overview
Our economy system allows you to store your credits in three different places: your Wallet, the Main Bank, and the Vault. Each has a different purpose, rules, and benefits.

---

1. The Main Bank
The Main Bank is where you put your credits to earn interest. It is an active investment account.

Interest Earnings: Funds stored here earn interest daily (every 24 hours).
Interest Rate: (e.g., 2% per day).
The Cap (Limit): The Main Bank has a maximum limit on how much you can deposit.

​

- Base Cap: A fixed starting limit for everyone.​

- Per-Post Increase: Your limit increases with every forum post you make.​

- Formula:

Total Limit = Base Cap + (Your Post Count * Per Post Cap)

​

Depositing Rules:

- You cannot deposit more than your Cap.​

- Important: If you deposit funds into the Main Bank, your interest timer resets. You must wait another 24 hours from the time of deposit to collect interest.​

​

2. The Vault
The Vault is a secure storage box. It does not earn interest, but it has no storage limit.

Interest Payouts: When you collect interest from your Main Bank, the profit is paid directly into your Vault, not your Bank.
No Cap: You can store unlimited credits here.
Safety: Funds in the Vault are safe and do not earn interest. Use this to store your wealth once your Main Bank is full.

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How Interest Works

1. Calculation: Interest is calculated based on the amount in your Main Bank.

- If your Bank Balance is higher than your Cap (e.g. if the admin lowered the cap), interest is calculated on the Cap amount only.​

​

2. Collection:

- Manual: you must visit the Bank page and click "Collect Interest" to receive your earnings daily.​

​

3. Payout: The interest is added to your Vault Balance.

Pro Tip for Maximum Earnings:

Keep your Main Bank filled exactly to your Cap limit to generate the maximum possible interest. Move any excess earnings from the Vault back into the Bank only when your Cap increases (as you make more posts).

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Summary Table

Feature	Wallet (On Hand)	Main Bank	Vault
Earns Interest?	No	Yes	No
Storage Limit?	None	Yes (Cap)	None
Receives Payouts?	Trade/Jobs	Deposits Only	Interest Earnings

 

[Vidilo]

I must say, I like the new system. The 2% interest is back, but how much of it you can use, depends on forum activity. That's a well balanced system.

 

[ErzuzB]

Your limit increases with every forum post you make.

Off-Topic posts (those in Off-Topic sections of the forum) doesn't count, so it's not "every" post.

 

[lonestar69]

Bit of a shame lenght of service isn't a factor. I'll just have to post often. thanks for the new system though

 

[upsidedowndeskthe2nd]

For interest to get that 2% interest do i need to actually have at least 50 coins in there to get interest or can i put 1 coin and after 50 days get another

 

[Autolycus]

Does the vault take Activity Coins or just Activity Coins 2.0?

 

[THorniestmax]

I can't figure out how to find the bank to deposit activity coins in the UI. I found the vault in the shop (by accident), but can't find the bank.

 

[tias]

I can't figure out how to find the bank to deposit activity coins in the UI. I found the vault in the shop (by accident), but can't find the bank.

I initially thought Vault = Bank, because in the shop I do see an interest rate for the vault.
That's not quite what this post says, so now I'm also confused

 

[ErzuzB]

I can't figure out how to find the bank to deposit activity coins in the UI. I found the vault in the shop (by accident), but can't find the bank.

I initially thought Vault = Bank, because in the shop I do see an interest rate for the vault.
That's not quite what this post says, so now I'm also confused

This thread is outdated.

The bank as it was doesn't exist anymore, the vault does hold all it's functions now.
You deposit coins into it and you recive interests which you have to manually collect every day.

 

[tias]

This thread is outdated.

The bank as it was doesn't exist anymore, the vault does hold all it's functions now.
You deposit coins into it and you recive interests which you have to manually collect every day.

Thanks, that is good to know!

 

[BananaPrincess]

Overview
Our economy system allows you to store your credits in three different places: your Wallet, the Main Bank, and the Vault. Each has a different purpose, rules, and benefits.

---

1. The Main Bank
The Main Bank is where you put your credits to earn interest. It is an active investment account.

Interest Earnings: Funds stored here earn interest daily (every 24 hours).
Interest Rate: (e.g., 2% per day).
The Cap (Limit): The Main Bank has a maximum limit on how much you can deposit.

​

- Base Cap: A fixed starting limit for everyone.​

- Per-Post Increase: Your limit increases with every forum post you make.​

- Formula:

Total Limit = Base Cap + (Your Post Count * Per Post Cap)

​

Depositing Rules:

- You cannot deposit more than your Cap.​

- Important: If you deposit funds into the Main Bank, your interest timer resets. You must wait another 24 hours from the time of deposit to collect interest.​

​

2. The Vault
The Vault is a secure storage box. It does not earn interest, but it has no storage limit.

Interest Payouts: When you collect interest from your Main Bank, the profit is paid directly into your Vault, not your Bank.
No Cap: You can store unlimited credits here.
Safety: Funds in the Vault are safe and do not earn interest. Use this to store your wealth once your Main Bank is full.

---

How Interest Works

1. Calculation: Interest is calculated based on the amount in your Main Bank.

- If your Bank Balance is higher than your Cap (e.g. if the admin lowered the cap), interest is calculated on the Cap amount only.​

​

2. Collection:

- Manual: you must visit the Bank page and click "Collect Interest" to receive your earnings daily.​

​

3. Payout: The interest is added to your Vault Balance.

Pro Tip for Maximum Earnings:

---

Summary Table

Feature	Wallet (On Hand)	Main Bank	Vault
Earns Interest?	No	Yes	No
Storage Limit?	None	Yes (Cap)	None
Receives Payouts?	Trade/Jobs	Deposits Only	Interest Earnings

I looked at the vault a few minutes ago, it looks different than this chart. Stuff about claim, auto invest,
XP, next unlock level 5, small deposit cap increase.

I don't know how any of this stuff works lol.

You must be registered for see images

 

[Puffnstuff]

I looked at the vault a few minutes ago, it looks different than this chart. Stuff about claim, auto invest,
XP, next unlock level 5, small deposit cap increase.

I don't know how any of this stuff works lol.

Yep. There is no main bank at all that I can tell, not sure there ever has been? I've always used the vault, it's clearly marked "Vault" and I collect interest from it and deposit interest and balance into it. Currently there is a level cap because of my lowly rank that does not allow me to deposit anything int my "Vault." or bank...that I can't find anyway but have never needed to gain and collect interest. I think that clarifies things up to the minute.

 

[ErzuzB]

I looked at the vault a few minutes ago, it looks different than this chart. Stuff about claim, auto invest,
XP, next unlock level 5, small deposit cap increase.

I don't know how any of this stuff works lol.

You must be registered for see images

Because it was changed yet again and turned into a game, with level ups, forced 24h cooldowns for any interactions and unlocking of boons, and a cluttered UI that throws too much information at you all at once.

 

[highlrecommend]

Because it was changed yet again and turned into a game, with level ups, forced 24h cooldowns for any interactions and unlocking of boons, and a cluttered UI that throws too much information at you all at once.

you mean a forced push towards the donate link.
no one is going to donate if everything is like it is.

 

[Matm95]

Damn, my vault says that DigitalWhim has recieved 318,075 coins in interest, which is impressive given that his level is 4.

 

[ErzuzB]

you mean a forced push towards the donate link.

You are not allowed to say this.
People got their post deleted and banned from threads saying that everything is designed to make people spend real money, from the ridiculous high shop prices to the whole forum-ui with advertisement for donations everywhere, but no hints that you can get that by being active too, even through you have to spam 1250 post to get permanent Members+.

 

[highlrecommend]

Damn, my vault says that DigitalWhim has recieved 318,075 coins in interest, which is impressive given that his level is 4.

318,075 coins in interest in less than 24 hours on 1000 coins ??

 

[Puffnstuff]

You are not allowed to say this.
People got their post deleted and banned from threads saying that everything is designed to make people spend real money, from the ridiculous high shop prices to the whole forum-ui with advertisement for donations everywhere, but no hints that you can get that by being act

318,075 coins in interest in less than 24 hours on 1000 coins ??

I've been waiting for this to happen to me. It never happens to me....*curses*

 

[Matm95]

318,075 coins in interest in less than 24 hours on 1000 coins ??

Yup, now we just have to wait and see if it's the UI or backend thats bugged.

You must be registered to see attachments

 

[highlrecommend]

You are not allowed to say this.
People got their post deleted and banned from threads saying that everything is designed to make people spend real money, from the ridiculous high shop prices to the whole forum-ui with advertisement for donations everywhere, but no hints that you can get that by being active too, even through you have to spam 1250 post to get permanent Members+.

everyone in the world knows the marketing team rules the world, this is why a trip to the food mart costs $250 & not $72 bucks