Banking Regulations

Banking

• Throughout Earthland, the finances of the world are managed by banks, these can be independent while others are controlled by Banking Businesses or even the country in which they are located. These banks facilitate the transfer of Jewels, and items, and the establishment of loans. Not all banks offer all of these services as a result it is important to find the right bank for you.
  
  
• The user can find different banks in various countries of the continent, each having their own limitations and unique aspects, they can only interact with a particular bank whilst they are in the bank's country and if they meet the requirements to do so.
  
  
• Banks possess their sub-forum within their associated country that the user must have roleplayed within to access it, except the Fiore Bank and Blackwood Bank which can be utilized without being in Fiore. A list of Banks can be found here:
  
  
• The user may only use any bank once per week, however, some banks may have their limitations on interaction such as frequency and availability, and these limitations replace this restriction. This cool-down begins once the user has submitted a banking request.
  
  
• Each bank has different transfer rates, some banks will charge you jewels to transfer your money or items due to the volume or risk involved with the transaction. To perform a transfer of any type, the parties involved must have previously roleplayed with them. Other restrictions may apply such as being unable to transfer from a member in a legal guild or faction to a member in an Illegal Guild or Faction.
  
  
• Depending on the bank's policy, Jewels or items may be seized rather than transferred if attempted by members of opposing affiliations which can only be reclaimed by performing a heist on the bank. This is typically only done if a member with a high bounty attempts to transfer something through a legal bank or vice versa.
  

Restrictions

• The user may not transfer jewels to anyone, the user must have roleplayed with the other character before, know their name, and have the motive to transfer jewels.
  
  
• The Users are not required to know their alternative characters to transfer jewels to them.
  
  
• Users in legal guilds or factions can not typically send or receive jewels or items from those in illegal guilds or factions. The same goes for vice versa.
  

Banking

• When the user meets the requirements of a bank, they can use it by creating a topic in that Bank's forum called Guest's ??? Bank, depending on which forum it is. Here, the user will use the template provided in that forum to submit a transfer to another user or deposit jewels for investment. Users receiving a transfer must post a template in their bank to accept the jewels or item and then go to the Review forum to get a mod to confirm it.
  

Guild Bank & Guild Shop

Guild Bank & Shop

• Guilds may purchase things to improve their building or replace their perks and spells using their own Guild Bank, this is directly controlled and maintained by the Guild Master.
  
  
• Guild Banks are organized by the Guild Master, which is present on their profile as Guild Bank field. Each Guild Member may transfer up to 2,500,000 jewels per month into the Guild Bank while the Guild Master may transfer up to 5,000,000 jewels per month. This can be done by going to through the Guild Review topic.
  
  
• Guild Banks are also considered investment banks receiving interest while the Guild Master is active and has not been raided, this only applies after two months without the Guild Bank being accessed by the Guild Master and will stop giving interest if accessed.
  

Guild Shop

• Guild Masters have explicit control over the Guild Bank Funds with the Jewels being tracked in their profile.
  
  
• Through the Guild Shop, They can purchase a variety of things including cosmetic changes as well as perk changes and additional features.
  
  
• Guild Additions such as Additional Sub-Forums and Teleportation are tracked in the Guild Master's profile.
  
  
• Guild Buildings similar to personal property possess Property Perk Slots equivalent to a holding. Unlike properties, most perks available for Guild Buildings are combat related, available options can be found below.
  
  

Guild Purchases

Social Guild Perks

Combat Guild Perks

Misc Guild Purchases