[Implemented] Treasures and Banks

[Captain Jack]

thankee : other thing, how is 'war' decided for calculating the 'corruption' % ?

This will come with nation treaties addon.
And guild treaties addon.

[Captain Jack]

There is only one module left for Bank Loans. A module we will finish tomorrow. This means that Bank Loans will be released tomorrow.

[Most Lee Harmless]

excellent news : I also like the new layout for the 'active ports' page.

as a suggestion : would it be possible to add a description panel on the Banks front page (like the one on the player profile page) : this would allow the bank to advertise itself or make offers and such.

[Mr. Rothschild]

excellent news : I also like the new layout for the 'active ports' page.

as a suggestion : would it be possible to add a description panel on the Banks front page (like the one on the player profile page) : this would allow the bank to advertise itself or make offers and such.

+1 to this, very good idea. (I believe i read somewhere this would be added at some point. Sooner the better is all i have to say )

[Most Lee Harmless]

A simple copy of the module from the player profile page, linked from the bank overview page, would suffice, i would have thought.

[Captain Jack]

This active ports page is still huge and ugly. We will add shapes and we will do a better color management in the next update for it.

A separate description module will be added, for the banks. It is in the schedule, not a big thing, it is just that Loans are our priority. It's unbelievable how large tthis loans addon is. Once we are done with it (today!), updates will come faster.

[Captain Jack]

Okay, the loans are ready!
We will release them AFTER the daily update.

[Most Lee Harmless]

As suggested, starting this topic here :

Credit History

So far, I'm a bit wary of issuing loans to those I do not know well in the game. This will have the effect of freezing out otherwise sound risks from getting loan offers from me, and maybe other banks who also lack familiarity with the customer. The alternative is to charge very high interest rates to cover that unknown risk until they establish a history with my bank.
It would help to know if they have other loans in place already : or if they have repaid loans on time previously, and so demonstrate reliability.
So, some form of credit history which banks could access would make it easier to charge realistic interests rates that good credit risks have earned.

[Most Lee Harmless]

Currency Conversion : coins to credits /credits to coins.
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I'm considering offering this as service via my bank (initially) restricted to customers only : thus, on transfer of credits to my account, the bank will pay gold into the customers account at an agreed conversion rate : or : the customer sends a payment to my bank and the relevant number of credits get sent to their game account : this could also be used to convert gold coin into credits to pay third parties for sales of bars, ships or whatever.

The main stumbling block, apart from if such a service would have any use to players, is what is a 'fair' conversion rate to use? Obviously market forces will act to push it up or down, depending on supply, demand and competition from other banks ; but where do we set the price to begin with?

It could be a future upgrade that such a market would be formalised in the game code, with a dynamic conversion rate in effect, gathered from formal bids and requests, in the same way loans can be asked for/offered : a player could then request the best rate available for a given amount from every bank, then accept the best offer.

Thoughts and ideas welcomed.

[Lod]

I loans section: Active 01 Days 02 Hours 19 Mins Captain Blackthorne (#50370) gc 50,000

In overview section: Loans Outstanding: Gold Coins 0

How does that work? Shouldn't I have 50000 in outstanding loans ?

-FIXED- Cpt Jack