Credit Score
"Every citizen has a number stamped on the inside of their bank book. The clerks won't show you the formula, but every coin you earn and every debt you settle moves the needle."
Tier tablosundaki "%X / day" oranları gerçek-dünya günü cinsindendir (24 gerçek saat). Wildoria'nın hızlandırılmış oyun günü (≈4 gerçek saat) banka faiz hesabını etkilemez - finansal sayılar takvim tabanlı.
The Bank summarizes your trustworthiness as a single number between 0 and 1000. Higher is better. The gauge on the Credit card in the app is the live reading - there is no daily recompute, no overnight cron. It is rebuilt from your stats every time the page loads.
What goes into the score
Three factors, weighted relative to each other:
| Factor | Weight | What it measures |
|---|---|---|
| Achievement Points | 60% | Your total achievement points across the game. The realm's most reliable proxy for "this player has shown up and done the work." |
| Character Level | 30% | The level of your active character. Sustained investment - you can't fake it with one good week. |
| On-Time Repayment | 10% | Your historical track record on past loans. Starts neutral; grows as you repay, drops if you default. |
Each factor is normalized to a 0–1 score, multiplied by its share of the total weight, and scaled to 1000. The contribution of each factor is shown in the breakdown panel inside the app - that's the same number the engine sees.
The fastest move is achievement points (60% of the weight). Quests, profession milestones, and bounties from City Hall all feed it. Levels are a slower grind. Repayment history is small in weight, but it's the only factor you can damage quickly by leaving a loan unpaid.
Loan tiers
The score maps to a fixed loan tier. Tiers are hardcoded - they don't change based on the city's economy. Existing loans snapshot their rate at borrow time, so a tier change tomorrow doesn't retroactively raise the cost of a loan you took today.
| Score | Tier | Max loan | Daily rate |
|---|---|---|---|
| 0 – 299 | Ineligible | - | - |
| 300 – 599 | Apprentice | 5,000 coin | 2.00% / day |
| 600 – 799 | Citizen | 25,000 coin | 1.00% / day |
| 800 – 1000 | Patron | 100,000 coin | 0.50% / day |
The "Borrow coin" button in the app is disabled if your tier is Ineligible. Below 300, the Bank simply won't lend - the loan officers have a saying: "a loan to a stranger is a gift to a stranger."
When the score moves
The score is computed live, so any change to the underlying factors is reflected on the next page load:
- Achievement points - instantly, the moment the achievement registers.
- Character level - instantly, on level-up.
- Repayment history - updates when a loan is closed (clean repay) or when the capture mechanic kicks in (see Loans).
There is no penalty for checking your score, and no "soft pull" / "hard pull" distinction - looking is free.
If your score drops while a loan is open, the loan's daily rate doesn't change - it was snapshotted at borrow time. But the new lower score might disqualify you from future loans until you repay the current one and rebuild.
Why this matters beyond loans
Today the score gates loan eligibility and rate. In future versions it may also unlock:
- Higher savings minimums or premium yield brackets v1.5.0
- Reputation modifiers in faction-based questlines v1.6.0
- Voting weight in the DAO v2.0.0
The point of the score is to be a single, portable summary of how committed you are to the city - and the systems that follow are meant to reward that commitment.