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SteelSandwich

The National Bank

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Whilst the game is progressing, i feel one aspect of it has been left out until now:

The ability to capture gold.

 

When you board an enemy player you are capable of taking his cargo, yet his € 3.000.000 purse is left untouched.

So, i light of that, i am going to propose the following system.

 

The national bank

 

The clue is that you can store your gold in national ports with outpost.

The goal of this is to encourage people to store some of their gold, yet when venturing further away from home ground that they carry funds to sustain their endeavor.

 

When compromised and dragged into the battle, there can be several scenario's.

The percentages are as followed:

Sinking: 75%

Captured: 50%

Surrender: 25%

 

Of course these values are debatable, but its the principle of the suggestion that counts here, not the minor finetuning.

This will allow for a risk-reward assessment to be in the game on a more detailed level.

 

Access:

Nation port with outpost: yes

Nation port without outpost: no

neutral (w/wo outpost): no

Free town (w/wo outpost): no

 

How would this look like ingame?

An example:

awjsnz9.png

 

This would, in my eyes, make raiding much more interesting, just like the need for convoy sailing for player escorts.

So, with that said, any thoughts?

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Good idea Steel. The bank and transporting funds will force players (especially merchants... like me) to think ahead and plan before leaving a port.

It would be interesting to test. Do you think this option will apply to players or also to AI merchants? 

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I like the idea....  But I would not like it implemented before factions are capable of funding and building defenses for important ports....  Because clearly, as with most activities in the game so far, certain ports end up being hubs for certain activities.

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This only can work with Governors. Investing capped money in a port would be a good idea. You will know, once invested you will never get it back. Governor Investment Bank is the place to go if you want to improve port Defense, Econ, Taxes..etc... Storing money in a bank was never my thing. Ports get capped, money are lost. I tend to bury my treasures. :D  

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Good idea Steel. The bank and transporting funds will force players (especially merchants... like me) to think ahead and plan before leaving a port.

It would be interesting to test. Do you think this option will apply to players or also to AI merchants? 

Yes, i would like to see AI merchants carrying (small) amounts of gold. Maybe combined with goods, maybe as a replacement of goods in some cases, effectively i am all for diversity in that regard.

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I like the idea of being able to capture/lose gold in battles and from Capturing Traders.

 

May I suggest that if we do have Banks then perhaps Bank Notes are also implemented as that was at this time a way of transporting larger amounts without having to amass large quantities of coin as that was not always feasible, this would be available only if you where a man of good repute and wealth.

 

But you would pay a % of the value to the issuer and also the bank that you can deposit it into, This % would ofc be influenced if your trying to move cash to foreign ports/ Hostile nations etc. This would allow traders to be able to move cash within there trading sphere but only with those ports/traders that you have a good reputation with.

 

Captured notes could ofc be sold to unscrupulous dealers that try to cash in on this system. If your Notes end up here then the issuers would stop issuing Notes to you as you would be deemed as a high risk customer.

 

But most had these in weighted bags to toss it in the sea in case of being captured/searched :)

 

With regards

 

Jason Niagara

 

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I like it and this game desperately needs a passive gold sink. It also makes trading more interesting, as generally 100-200k is enough to accomplish any trading, and this could net privateers some profit for traders who do not have any cargo currently aboard.

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I'm personally not a fan of opening up a poll, it doesn't add anything to this.

 

I much rather have people actively participate and work with me on potentially improving this suggestion :)

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Im good with it as long as I can store "Some" money in a free town as long as it has an outpost.   Maybe limit the amount.  Maybe base the amount on standing with the port bank.  Faction rep if you will.

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Good day sailors


 


I have a small suggestion for the economy of the game. It is simple. It is to introduce a deposit/loan system in the game. Player would be able to take a loan and/or deposit money.


 


 


How would it work?


 


Every town has a bank. Players can deposit money, in exchange they receive interest if the money is lend to another player. The player who takes a loan has also to give some guarante. For example a ship or ressources (Average price from the market is taken to estimate the value from the deposit).


 


 


For example:


 


Player A does a deposit from 1k gold. 


 


Player B take a loans from 1k gold. 


 


Player gets interest from 5% per week let's say. On the other hand the player B has to pay 10% interest per week (the town has to earn money also).


 


Player B pays his loan back by a percentage everytime he does a mission or gets gold with something (for example 10%) with the option to pay everything which remains at once.


 


 


I haven't put more thoughts about it. So if you have some improvement don't be shy.


 


 


 


Captain n0el.


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Good day sailors

 

I have a small suggestion for the economy of the game. It is simple. It is to introduce a deposit/loan system in the game. Player would be able to take a loan and/or deposit money.

 

 

How would it work?

 

Every town has a bank. Players can deposit money, in exchange they receive interest if the money is lend to another player. The player who takes a loan has also to give some guarante. For example a ship or ressources (Average price from the market is taken to estimate the value from the deposit).

 

 

For example:

 

Player A does a deposit from 1k gold. 

 

Player B take a loans from 1k gold. 

 

Player gets interest from 5% per week let's say. On the other hand the player B has to pay 10% interest per week (the town has to earn money also).

 

Player B pays his loan back by a percentage everytime he does a mission or gets gold with something (for example 10%) with the option to pay everything which remains at once.

 

 

I haven't put more thoughts about it. So if you have some improvement don't be shy.

 

 

 

Captain n0el.

 

There has to be some risk for the person lending, otherwise this is just free money which i think is not good, Someone can just load away 1 million and earn 50k a week without doing anything.

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I completely agree with you.

 

Firstly if you deposit your money and nobody takes a loan there is no interest. Secondly if someone take it you cannot get it back till it is the loan is paid back. It could even open a market with loans. Where people put contract with the % of interest and people can just "buy" the contract to get the money. I don't know if it is clear. My english isn't the best.

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I like this idea.  Reminds me of playing Uncharted Waters on Nintendo back when I was a kid.  Had to deposit my money in the bank before I set sail, you collected interest on the money and could borrow money to finance a purchase or for a business venture.

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Hey Steel, a cool idea!

 

I made a post about some 18th century trading, banking and european markets last April. Transfering wealth was much more of an issue then in our current digital world, so I really love your idea. There might even possibilities for players/companies to set up a moneylending system, leaving banking to players/clans instead of the game, but that might be going a bit too far. ;-)

 

Here was my take on the subject:

http://forum.game-labs.net/index.php?/topic/13491-trading-banking-and-the-european-markets-an-18th-century-look-at-it/?p=247268

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The risk is the player leaving the game or opportunity for alt accounts being set up to be used for that very purpose :)

 

There would need to be some standards set up to ensure the viability of a loan as such  including thing as putting assets up as collateral, minimum rank, previous commerce volumes and trader history, number of combats etc.

 

we have seen such a similar thing with the free crew after crew management was introduced where the analysis was not done as to all the possibilities of obtaining a crew were not investigated. I would assume getting a redeemable yacht every day also give yo a free crew as well.

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To be honest it's not a good idea. It's the death of free towns and smuggle and all new players. I am not going to sail a few hours just to smuggle because I need to get my money from my outpost.

And ganking is already broken in home waters. Wanna force a new player to quitt? Let him earn some money and take away 75% of it while ganking and boarding him. Cargo and a dura and maybe upgrades are still expensive enough if you lose it.

Edited by CptEdwardKenway
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Posted (edited)

Why? Just be careful while taking leasing and everything will be okay. Pay attention to the company and contract that they propose you and keep in your mind that you are able to argue any conditions in contract before you sign it. And if leasing company is big you can be calmer. Usually they become big after many years of work. Unhonest companies don’t live for a long time. I can recommend you https://credit-10.com/se/kredit365-logga-in/. I have worked with them several times and they have always provided me qualitative services.

Edited by cardonacarlos

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