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<blockquote data-quote="Loonook" data-source="post: 4025699" data-attributes="member: 1861"><p>I agree with the idea that the Silver Standard is a good one... until you see how well it worked out for Spain <img src="data:image/gif;base64,R0lGODlhAQABAIAAAAAAAP///yH5BAEAAAAALAAAAAABAAEAAAIBRAA7" class="smilie smilie--sprite smilie--sprite2" alt=";)" title="Wink ;)" loading="lazy" data-shortname=";)" />. Of course, the layers of paper currency and other monetary means suggested would probably be a bit iffy. What I would suggest? Compacts of Credit.</p><p></p><p>A Compact of Credit is a document (usually a scroll or similar) that allows investiture of liquid capital (or non-liquid assets which have been liened) into a bank, similar to a standard account. In return, the bank places a notation of the amount of the issuance and two separate Arcane Marks. These marks, acting as steganographic signatures, are the personal marks of two 'bank trustee' mages. These marks are placed over the amount, 'protecting' the underlying amount for erasure (yes, the caster could always cast erase, destroying the two personal marks and causing the note to be void...).</p><p></p><p>The cost of withdrawal in a location would be the cost of the placement of two Marks plus 1% of the withdrawal. By allowing these 'transaction fees', the banks slowly winnow their actual required returns to a person, making a tidy profit.</p><p></p><p>Of course, a CoC would be expensive to maintain (a little more than an Everburning Torch for a couple of uses). However, it would give a sense of security that paper money lacks. On larger accounts, the bank may even offer a safeguard Instant Summons with an alerting charm, just in case someone attempts to get frisky and leaves you behind. The protection afforded to each level of need would change, but it nevertheless provides an interesting piece of the puzzle for currency.</p><p></p><p>Of course, then foreign banks would have to accept your notes . . . just like any other currency. Large noble houses, privatized banking, and government lenders would be your best bet. Perhaps there should also be a way to allow such a document to change hands freely (merchants have an item which is similar to a chop mark block which allows them to arcane mark a document for transfer in a similar way).</p><p></p><p>Ahh... better living through cantrips.</p><p></p><p>Slainte,</p><p></p><p>-Loonook.</p></blockquote><p></p>
[QUOTE="Loonook, post: 4025699, member: 1861"] I agree with the idea that the Silver Standard is a good one... until you see how well it worked out for Spain ;). Of course, the layers of paper currency and other monetary means suggested would probably be a bit iffy. What I would suggest? Compacts of Credit. A Compact of Credit is a document (usually a scroll or similar) that allows investiture of liquid capital (or non-liquid assets which have been liened) into a bank, similar to a standard account. In return, the bank places a notation of the amount of the issuance and two separate Arcane Marks. These marks, acting as steganographic signatures, are the personal marks of two 'bank trustee' mages. These marks are placed over the amount, 'protecting' the underlying amount for erasure (yes, the caster could always cast erase, destroying the two personal marks and causing the note to be void...). The cost of withdrawal in a location would be the cost of the placement of two Marks plus 1% of the withdrawal. By allowing these 'transaction fees', the banks slowly winnow their actual required returns to a person, making a tidy profit. Of course, a CoC would be expensive to maintain (a little more than an Everburning Torch for a couple of uses). However, it would give a sense of security that paper money lacks. On larger accounts, the bank may even offer a safeguard Instant Summons with an alerting charm, just in case someone attempts to get frisky and leaves you behind. The protection afforded to each level of need would change, but it nevertheless provides an interesting piece of the puzzle for currency. Of course, then foreign banks would have to accept your notes . . . just like any other currency. Large noble houses, privatized banking, and government lenders would be your best bet. Perhaps there should also be a way to allow such a document to change hands freely (merchants have an item which is similar to a chop mark block which allows them to arcane mark a document for transfer in a similar way). Ahh... better living through cantrips. Slainte, -Loonook. [/QUOTE]
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