Economy
Banks
Last reviewed 2026-10-15
Banks
Keep your money in a bank and it is safe. Die with cash on you and you lose 10% of it; banked money never takes that hit.
Deposit & withdraw
Talk to a banker NPC. Withdrawals come in fixed amounts ($10 / $100 / $1,000 / $10,000 in-game) with a 2.5% withdrawal tax.
Interest
Interest every 8 hours, but only while you're online. Personal base rate 1.0% (traits can raise it). Interest applies to the first $250,000 in-game; payout per tick caps at $5,000 in-game.
Loans
Six loan tiers. Instant cash and a higher bank score (so more interest), at 2.5% loan interest.
| Tier | Loan amount | Payment |
|---|---|---|
| 1 | $1,000 in-game | $150 in-game |
| 2 | $5,000 in-game | $500 in-game |
| 3 | $10,000 in-game | $750 in-game |
| 4 | $25,000 in-game | $1,500 in-game |
| 5 | $50,000 in-game | $2,500 in-game |
| 6 | $100,000 in-game | $5,000 in-game |
Payments auto-deduct from bank first, then player balance.
Where to bank
Physical buildings with banker NPCs:
- Oswin Grudgeteller: Moonfall Town (Oswin's Bank)
- Benedict Pennyvault: Windshore Town (Benedict's Bank)
Full roster: NPCs & Vendors.
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