Gold bar storage in bank vaults

[Most Lee Harmless]

GB storage in bank vaults:

I propose an extension of banks to include the provision of vaults for storing Gold Bars : this is a logical development as banks at the time were not restricted to just handling coin, but would store bullion and jewels in what were the forerunners of 'safety deposit boxes'.

I think this can best be handled by not extending deposit limits per level, but by 'mix and match' coin and bar amounts : thus the customer can store, in a level 4 bank for example, either 10 million in coin, 10 million in Gold Bars or a mixture of the two : I propose the value of the GB's for this case is based on the current average price in Avonmora at time of deposit.

I feel, with the recent change in OLOD effect upon GB in warehouses, some form of safer storage should be made available for gold bars, given their high intrinsic value.

As for the banks, a value-based fee for handling gold bar deposits and withdrawals is not unreasonable.

To guard against manipulation and attempts to dodge transport, the bars should only be able to be withdrawn in the port of deposit : so, if they were in the players Regis warehouse when deposited, that's where they go back to on withdrawal.

[Mugiwara]

+1 for that suggestion. But as you mentioned withdrawing it only in deposited port maybe led some problems for banking mechanics.

Im suggesting to add a port building Vault.

Vault:
Max level 20. Each level will increase gold bar storage capacity 500.
People can store their gold bars in it. and maybe can store their golds too.
Port controller nation will get some withdrawal and deposite fees(no transactions allowed between ports.). Also some corruption fees for each withdrawal and deposite.
Deposited amount can be change like banks leveling.
Nations should increase the level of vault to be able to store more gold bars in it.
Players need to pay daily ransom for gold bars stored in vault.
Nations can decide who will use that building.
Alliances can use vault without restrictions. And warring nations cant use opponents vault.


Mugiwara...

[Maha]

i like the idea, but see obstacles as well.

pro: goldbars are safe again.
with the credit auction banks lost a large intensive to level up, this could become a new intencive.

against: goldbars are not above the game like coins are. a gold bar is in a specific port or on her way to it. it has geographical presence. shipping bars is part of the game. to overcome this banks need to get geographical presence as well. this could be done by starting a bank outlet with vaults in 3 ports and each bank level grants it 2 ports of choice to open a bank outlet. in the vaults the goldbars and other items of interest (gems, artifacts, recipes?) could be stored.

[Most Lee Harmless]

I dont see it as a port pr nation thing, (though that could be another extension related to port buildings) : I see it more as a way to kick some life back into the Bank concept, to compensate somewhat for the loss of credit exchange for them, to compensate somewhat for the inclusion of GB in OLOD voodoo casts, and to perhaps open the way for further extensions : perhaps GB transfers handled by the banks from their own stocks held in each port, a system based on the Templar Knights method, itself based on Middle Eastern banking systems still used today : a customer wishes to move 1000 bars to Regis from Prote : they give it to the bank in Prote, then can collect 1000 bars from the Bank in Regis : the bars dont actually move, as the bank uses 1000 of their own bars held in Regis to pay-out. The Bank relies on movement of bars in and out of its branches to cover each transaction : They will still need to move bars to correct imbalances due to demand varying between ports. Each transaction carries a hefty fee, but as delivery is thus guaranteed, its worthwhile.

[Mugiwara]

I dont see it as a port pr nation thing, (though that could be another extension related to port buildings) : I see it more as a way to kick some life back into the Bank concept, to compensate somewhat for the loss of credit exchange for them, to compensate somewhat for the inclusion of GB in OLOD voodoo casts, and to perhaps open the way for further extensions : perhaps GB transfers handled by the banks from their own stocks held in each port, a system based on the Templar Knights method, itself based on Middle Eastern banking systems still used today : a customer wishes to move 1000 bars to Regis from Prote : they give it to the bank in Prote, then can collect 1000 bars from the Bank in Regis : the bars dont actually move, as the bank uses 1000 of their own bars held in Regis to pay-out. The Bank relies on movement of bars in and out of its branches to cover each transaction : They will still need to move bars to correct imbalances due to demand varying between ports. Each transaction carries a hefty fee, but as delivery is thus guaranteed, its worthwhile.

Now i get your point clearly. It will help to banks and also players who willing to pay for keep gold bars safe. Maybe level requirement 15 for deposit gold bars and 20 for transactions will encourage bank leveling too.

im still +1 with that. But i have doubts about transaction part. Maybe a cap for daily or weekly transactions and only small amounts can be doable.

[Bmw]

+1 on danik's idea lvl suggestion would be the same as how it was for credits deposit's at a lower level then transfers. Or it could be set lvl 15 for transfers to yourself and lvl 20 for transfers to other players

[Maha]

I dont see it as a port pr nation thing, (though that could be another extension related to port buildings) : I see it more as a way to kick some life back into the Bank concept, to compensate somewhat for the loss of credit exchange for them, to compensate somewhat for the inclusion of GB in OLOD voodoo casts, and to perhaps open the way for further extensions : perhaps GB transfers handled by the banks from their own stocks held in each port, a system based on the Templar Knights method, itself based on Middle Eastern banking systems still used today : a customer wishes to move 1000 bars to Regis from Prote : they give it to the bank in Prote, then can collect 1000 bars from the Bank in Regis : the bars dont actually move, as the bank uses 1000 of their own bars held in Regis to pay-out. The Bank relies on movement of bars in and out of its branches to cover each transaction : They will still need to move bars to correct imbalances due to demand varying between ports. Each transaction carries a hefty fee, but as delivery is thus guaranteed, its worthwhile.

YES!
i assume that ships are used to transfer goldbars. it should not remove the need to transfer bars by ship. i see it as shadowoods contract shipping but restricted to goldbars and other precious items (whenever they come into play)

[Most Lee Harmless]

The Bank will have to move gold bars to its branches to service demand, it will need to keep its branches 'topped-up' as well, so GB movement is still required, just not necessarily by the 'end-user' : the bank assumes the risk and bother of having the bars there for transfer, in return, it can claim a decent fee for the work.
A Bank which meets customer demand promptly will get more customers : one which cant service demand will lose them : so, the incentive is still there for the shipping of the GB's if the bank wishes to gain and keep a reputation for good service.
In effect, the gold bars still have to get moved, just not always at the time they are traded and not by the one who does the end trade : The customer pays the fee for the ease and convenience of having their bars show up promptly where needed.

[Mugiwara]

+1 on danik's idea lvl suggestion would be the same as how it was for credits deposit's at a lower level then transfers. Or it could be set lvl 15 for transfers to yourself and lvl 20 for transfers to other players

i dont agree with transaction between other players. it shouldnt be popular than goldsmith trading. actually now im not even sure about transaction between ports. Lets say two goldsmither made an agreement;

X person deposited 1000 gold bar in regis. Y person deposited 1000 gold bar in vaasburg. And X asked 1000 gold bar in vaasburg Y asked 1000 goldbar in regis. two goldsmither can easily carry their goldbars to another ports. after that they just need to sell it to market. no need to risk their goldbars against skirmishes attackes.

What kind of fee are you planning to put? if its high enough to not let goldsmiths cant make profit. it means almost 500gc for each goldbar crate which is abnormal. i guess we should keep this suggestion as much as simple.

[Mugiwara]

The Bank will have to move gold bars to its branches to service demand, it will need to keep its branches 'topped-up' as well, so GB movement is still required, just not necessarily by the 'end-user' : the bank assumes the risk and bother of having the bars there for transfer, in return, it can claim a decent fee for the work.
A Bank which meets customer demand promptly will get more customers : one which cant service demand will lose them : so, the incentive is still there for the shipping of the GB's if the bank wishes to gain and keep a reputation for good service.

Danik Sir. Can you edit and detailed your first post? so we can argue on it. I feel subject changed a bit.