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The Bank of Wildoria

The Citizen Bank

"A clerk weighs your purse, glances at your ledger, and slides a brass token across the counter. The Bank does not ask where your coin came from - only how soon you'll be back."

Time convention

Everything the Bank quotes is in real-world time. Every "%X / day" on these pages means a period of 24 real hours, not one of Wildoria's accelerated days. Interest compounds on the calendar, not on the game clock.

There is one place the two part company: a prison sentence is stored in real hours but shown to the convict in game time, which runs about six times faster. See Day Cycle.

The Citizen Bank sits on the corner of Central Plaza, between City Hall and the Marketplace Terminal. Every citizen has an account the moment they register; what they do with it depends on their standing in the city.

The Bank handles four jobs:

  • Credit - measures how trustworthy you are with borrowed coin.
  • Loans - short-term coin advances at compound daily interest.
  • Savings - coin and WLD positions that compound while you're offline.
  • On-chain bridge - moves WLD between your in-game balance and your personal wallet.

Walking into the Bank​

In the app: tap Bank. The screen splits into two columns:

  • Left column: Credit + your two savings positions (Coin Savings, WLD Savings).
  • Right column: On-chain - your WLD vault balance, deposit/withdraw, and recent on-chain activity.

Switch to the Activity tab for a unified ledger of every banking move you've made.

Pillars​

Credit Score

The 0–1000 gauge that decides whether the Bank lends to you and at what rate. Driven by achievements, character level, and your repayment history.

Savings

Park coin or WLD with the Bank and let compound interest tick every second. No fixed term - withdraw anytime.

Loans

Borrow coin against your credit score. No fixed maturity - repay whenever, but the daily interest compounds and the Bank's collectors will start skimming your income if you go negative.

On-chain Vault

The 1-to-1 backed WLD vault that holds your premium currency between sessions. Custody, deposits, and withdrawals - explained from the blockchain side.

Two banks, one experience

The Citizen Bank (this section) is the in-world economic layer - credit, loans, savings. The Reserve Vault is the on-chain custody layer that backs your WLD. They share a UI inside the app, but they're documented separately because one is game design and the other is blockchain infrastructure.