Loans
"The Bank does not bargain. The clerk reads the number on your ledger, slides a slip of paper across the counter, and tells you what gold you may take and at what cost - take it or leave it."
"%X / day" oranları gerçek-dünya günü (24 gerçek saat) cinsindendir - oyun günü değil. Faiz her saniye compound olur ama gün referansı takvim tabanlıdır. Hapis süreleri farklı çalışır; bkz. Prison time.
Coin loans let you spend gold you don't have, against your standing in the city. The terms are fixed by your credit score tier - there's no haggling, no application form, no waiting period.
How a loan works
- Quote. The app shows your max loan and daily rate based on your current score (see the tier table).
- Borrow. You pick an amount, hit Confirm. The coin lands in your wallet immediately.
- Carry. The loan compounds at its daily rate every second - you can watch the outstanding number tick up on the Credit card.
- Repay. Whenever you want, in full or in part. The loan closes when the outstanding hits zero.
There is no fixed maturity - the Bank doesn't call the loan in. But every day you carry it, the daily rate compounds on the running total, so a long-held loan grows aggressively.
outstanding(t) = principal × (1 + dailyRate)^days_elapsed
Borrow limits
| 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 minimum borrow is 100 coin at any tier - anything smaller produces sub-1-coin daily accrual and the Activity ledger fills up with dust entries.
You can hold one open coin loan at a time. To borrow more, repay the existing loan first. (This is intentional - the Bank's accountants don't want to track a stack of overlapping positions, and neither does the player.)
The capture mechanic
Loans don't have collateral. They have income capture instead.
If your wallet goes negative while a loan is open, the Bank's collectors automatically skim 50% of every coin you earn until the loan is repaid. This applies to:
- Quest rewards
- Profession shift wages
- Marketplace sales (after tax)
- Monster drop sells to NPCs
It does not apply to:
- Withdrawing from your savings (that's already your gold)
- Selling NFTs on the on-chain marketplace
- Admin grants and event payouts (transaction type 5 is exempt)
You always receive some of every payout - capture takes half, never all. The realm is harsh, but it isn't trying to starve you. The capture exists to make defaulting expensive, not to make recovery impossible.
The capture engages quietly - there's no popup, no consent step. The Credit card switches to red and shows a "Capture active" banner so you know the Bank is taking its cut.
How it ends
Capture stops the moment the loan's outstanding hits zero - whether through:
- A normal repayment (you tap Repay in the app),
- Captured income paying off the last sliver, or
- You depositing fresh coin to bring the wallet positive and clearing the outstanding manually.
The capture mechanism is entirely deterministic - there is no judgment call from the Bank or from a moderator. The loan service intercepts every coin transaction, takes its share if a loan is open and the wallet is negative, and lets the rest through.
Defaulting
The Bank does not formally "default" a loan - no asset seizure, no reputation gauntlet beyond the score. But if the debt grows large enough, the city's authorities step in.
Every settlement of a loan checks the outstanding against the snapshotted max_loan at borrow time. Three thresholds, three sentences:
| Outstanding | Tetik | Hapis (gerçek) | Oyun zamanı |
|---|---|---|---|
| > max_loan × 2.0 | Kademe 1 | 6 saat | ~1.5 oyun günü |
| > max_loan × 2.5 | Kademe 2 | 12 saat | ~3 oyun günü |
| > max_loan × 3.0 | Kademe 3 | 24 saat | ~6 oyun günü |
The character who signed the loan (signer_cid) goes to jail - your
other characters keep playing, but the income capture continues to skim
half their earnings. While any character on your account is in debt
jail, you cannot open new loans (household_in_debt_jail).
Persistent abuse triggers a household reckoning: kademe-3 within the last 90 days plus outstanding above 5× max_loan locks every active character on the account for six hours.
→ Full mechanics: Prison
That said: a loan you've been carrying for months is expensive. At 1% / day compound, a 25,000-coin loan you ignore for 90 days grows to ≈61,000. The math doesn't forgive you.
Take a loan when the gold you'd unlock with it earns back more than the daily rate costs. For example: a Patron-tier 100k loan at 0.5%/day costs 500 coin/day. If you can use that 100k to clear a profession milestone that nets 1,000 coin/day, the loan pays for itself twice over.
Why this matters
The loan system exists for two reasons:
- To smooth out coin liquidity. Quests pay in lumps; expenses don't always line up. A short-term loan lets you bridge.
- To give the credit score teeth. Without something to do with a high score, the score is just a number. The loan tier table is what makes the score meaningful - and what makes investment in achievements and levels pay off in a tangible, immediate way.