Discussion forum > Suggestions

A Bank

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ViperZeroOne:
I'm confused by this whole thing...  You have a bank account, it's /bal...  If you're talking about being able to turn a block of an item into money, you can do that too by selling at the market...  You don't loose money if you die...

I don't see the need for a bank, unless I'm missing something here.

ScottishChamp:
Do you mean like a bank so you can store money away for something you can buy which is like 100k then you put it in your bank to store.So you dont spend it if its in your /bal?? if so thats not too bad idea.

Spamarian:
I have some ideas for the bank, as an investment plug-in for the players, but it will be complicated and I dont know what you would think about.

ScottishChamp:
Well spam i would love to hear.

Spamarian:
In an approach to make yound and old understand some things about banking, which means that I am not the expert, but I have studied some procedures, I could bring some ideas to more a gaming environment.

First of all, a bank, as a common deposit account that everyone could have entries. All the money are collected into a sum but registered to names, that probably we could look at, with a way of database query.

An idea that just came into my mind.
We could make a system that will benefit with an interest(%) the depositors according to their votes. For example, 0.005% interest for each vote, on your last deposited amount. It may be small, but I dont think it is nothing. It is a benefit of 5/1000 in your money everytime you vote, for your most recent deposit.

But, as it is logical, with the term bank, we could also lend to others money for their needs. An interest of about 2% each week on the loans' amount will be withdrown from the /balance of the player, till he deposit the whole amount. So, we need an option that will compute the actual amount that needs to be returned into the bank, and the amount of interest.

The profits that the bank will have, assuming the interest is set to 2%, will be divided proportionally to the players that have deposited money to the bank, and these "dividends" will be distributed once a month.

Let me know what you think. I believe I gave a complete view of my thoughts, and a system that could be established.
If any questions exist on the calculation of the interst, I can give the answers. But the most formulas can be figured out by mind.

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