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.

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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.

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- 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)

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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.​

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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.​

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2. Collection:

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

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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?