Most adventurers around here drag along thier well earned riches. This can be done in several ways: exchange your gold in gems, buying exoensive equipment, or just haul along a bulking sack of coins.
For both safety and encumberance reasons i think there should a better way of solving this: deposit you money at the bank.
Such a bank could be either a player initiative or an institution.
Since i prefer the latter, i wrote up this proposal as such. If anybody wants to start such a service through one of his characters this could be done alongside an institutional bank (its a free market after all).
The bank of Orussus.
The bank of Orusus is run by the local banking guild. It sits in a heavy building without windows. Lihjt and air only enters the building through small slits. The building is well guarded by both magic and steel. All attempts to rob the place have resulted in failure so far.
Whenever a person wants to deposit his money he has to open an account.
This costs 80 gp for administrational services (a bank serves the rich. They don't want every kid with a few coppers as a customer).
When a person has openend an account he can make a deposit of withdrawal from his account. Making a trasaction costs 5gp for administrational services.
In exchange for his money, one recieves a letter of credit. This is a special document (magically imbued) which verifies the fact that this person has an amount of money present in the vault of the bank.
Being such a foolproof and magically imbued item, such a letter is not cheap to make. Luckily it doen's have to be created everytime a deposit or withdrawal is made.
Signing up a letter of credit costs 75 gp (included in the fee to open an account).
If a letter of credit should be lost or destroyed, one can appeal to the 'identity commision'. This commision verifies someone's identity as a cetain person who holds a certain account.
Using the servics of this commision costs a hefty 100gp and must be paid upfront. If someone wishes to continue his account, a new letter of credit must also be signed (costing another 75gp).
This proces magically destroys the old letter, wherever it is.
Currently the bank issues no interest on money kept. Money gained through investments is used to pay for the building and security of it.
In game usage of the bank can be done with only udge approval (like the purchase of equipment).
The money in the bank should be noted on one's character sheet. Maybe there is need for a special thread, stating all accounts and the amount of money on these accounts.
I look forward to your comments!
Greetings,
B4cchus
For both safety and encumberance reasons i think there should a better way of solving this: deposit you money at the bank.
Such a bank could be either a player initiative or an institution.
Since i prefer the latter, i wrote up this proposal as such. If anybody wants to start such a service through one of his characters this could be done alongside an institutional bank (its a free market after all).
The bank of Orussus.
The bank of Orusus is run by the local banking guild. It sits in a heavy building without windows. Lihjt and air only enters the building through small slits. The building is well guarded by both magic and steel. All attempts to rob the place have resulted in failure so far.
Whenever a person wants to deposit his money he has to open an account.
This costs 80 gp for administrational services (a bank serves the rich. They don't want every kid with a few coppers as a customer).
When a person has openend an account he can make a deposit of withdrawal from his account. Making a trasaction costs 5gp for administrational services.
In exchange for his money, one recieves a letter of credit. This is a special document (magically imbued) which verifies the fact that this person has an amount of money present in the vault of the bank.
Being such a foolproof and magically imbued item, such a letter is not cheap to make. Luckily it doen's have to be created everytime a deposit or withdrawal is made.
Signing up a letter of credit costs 75 gp (included in the fee to open an account).
If a letter of credit should be lost or destroyed, one can appeal to the 'identity commision'. This commision verifies someone's identity as a cetain person who holds a certain account.
Using the servics of this commision costs a hefty 100gp and must be paid upfront. If someone wishes to continue his account, a new letter of credit must also be signed (costing another 75gp).
This proces magically destroys the old letter, wherever it is.
Currently the bank issues no interest on money kept. Money gained through investments is used to pay for the building and security of it.
In game usage of the bank can be done with only udge approval (like the purchase of equipment).
The money in the bank should be noted on one's character sheet. Maybe there is need for a special thread, stating all accounts and the amount of money on these accounts.
I look forward to your comments!
Greetings,
B4cchus