Banking

[Curse]

Since gold cannot buy much in this game, would be nice to do something fun and useful with it.

Banking. A very critical aspect of colonial era, especially in the Caribbean. Bankers or money lenders as they were mostly known, were the ones that funded kings and navies to wage war against one another.

 

 

Would be lovely to see this deployed sometime in the near future. 

[Twig]

How do you want to handle this?
Do you request a system like unsing a loan rate?
If that is the case, how will you get your money back if the player went offline?

I dont see any chance to get a banking system in this game

[Curse]

Loans could be connected to Steam account. The loan system can compromise of a contract base; when it's signed at the beginning, interest and length is decided by both parties. Once period length is over, the game automatically deducts sums from the player's accounts (plus interest). 

 

If player is bankrupt, then money will be deducted from account everytime he/she earns.. battles, trading, etc.

 

Only way to avoid paying is to quit Naval Action for good.

 

 

So even if deleting character and making new account, still will be deducted.. and it is more merciful to repay the loan 1 day late than 1 month... money lending has brought massive fortunes to some, and devastation to entire families.

 

 

 

 

In real life, bankers would give money to people who had means to pay back even if not in gold; whether it be in assets or other ownings.

Generally, money lenders would see the "earning" potential of people before they hand out gold.

 

In our case, forum recommendation by clan leaders would be one of the strongest parts playing in other player's ability to have their loans approved.