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Message: <blockquote data-quote="Lord Pendragon" data-source="post: 63911" data-attributes="member: 707">I give 'em straight book value.  In one of the core books (can't remember where,) it mentions trade goods, i.e. items whose value is a constant, and are therefore often used in barter.  I believe that precious metals and gems were on that list.  A gem's value isn't going to change too much (barring a new diamond mine opening up next door,) so I think a lot of people would see that as a safe and convenient way to 'port money. As to the question of how the jeweler makes money, that's simple, he sells jewelry.  I don't think he has to rely on undervaluing salable gems to turn a profit.  If it helps, consider a bank.  Most larger banks will exchange currency for their members free of charge.  They deal in money, but they don't feel the need to charge a fee for changing one kind of money into another.  Why?  They make their money elsewhere.  And when someone wants a loan, who's he going to go to?  The bank which gave him a hard time about getting some US dollars for his Japanese yen, or the one which helped him out as a courtesy?All that said, my players actually prefer a letter of credit from a well-known money-lender.  Especially since one of my PCs had a ton of liquid cash swiped by a pickpocket a few sessions ago. <img src="https://cdn.jsdelivr.net/joypixels/assets/8.0/png/unicode/64/1f600.png" class="smilie smilie--emoji" loading="lazy" width="64" height="64" alt=":D" title="Big grin    :D"  data-smilie="8"data-shortname=":D" /></blockquote>

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