Server Bank
A player-run bank that accepts deposits, issues loans, and employs managers and cashiers.
Overview
The server bank is a community-run financial institution. Any server can propose one — once 3 moderators approve it, the bank is chartered with a $3,000,000 starting vault. Members can deposit, take loans, and earn reputation by repaying on time.
Alias: ;sbank
Bank status
Shows the bank’s vault balance, debt, total customer deposits, interest rate, active loan count, and staff list. Shows the bank’s vault balance, debt, total customer deposits, interest rate, active loan count, and staff list.
Proposing & approving a bank
Proposes a new bank for this server. Name must be 3–32 characters. Requires 3 moderator approvals before the bank is chartered. Proposes a new bank for this server. Name must be 3–32 characters. Requires 3 moderator approvals before the bank is chartered.
Approve the pending bank proposal. Requires Manage Server, Manage Channels, Kick Members, or Ban Members. Once 3 mods approve, the bank is chartered. Approve the pending bank proposal. Requires Manage Server, Manage Channels, Kick Members, or Ban Members. Once 3 mods approve, the bank is chartered.
Staff management
Hire a member as manager or cashier. Managers can hire/fire staff and force-default overdue loans. Cashiers can collect and approve small loans. Hire a member as manager or cashier. Managers can hire/fire staff and force-default overdue loans. Cashiers can collect and approve small loans.
Remove a staff member from the bank. Remove a staff member from the bank.
Rename the bank
Bank owner only — managers can’t rename it.
Name must be 3–32 characters. Renames the bank to Raze Trust. The new name shows up everywhere the old one did — status, loans, and transfers.
Deposits & withdrawals
Deposit money into your account at the server bank. Deducted from your wallet, tracked as your personal deposit. Deposit money into your account at the server bank. Deducted from your wallet, tracked as your personal deposit.
Withdraw from your personal deposits. Vault must have sufficient funds. Withdraw from your personal deposits. Vault must have sufficient funds.
Loans
Request a loan of 5,000–1,000,000 for a term of 1–30 days. Interest is applied on approval. Large amounts require staff approval. Only one active loan per user at a time. Request a loan of 5,000–1,000,000 for a term of 1–30 days. Interest is applied on approval. Large amounts require staff approval. Only one active loan per user at a time.
Repay your outstanding loan in full. On-time repayment earns +2 reputation. Repay your outstanding loan in full. On-time repayment earns +2 reputation.
Force-default an overdue borrower. Requires manager or cashier role. Effects on the borrower: 60-minute jail, bail = 50% of amount owed, -10 reputation. Force-default an overdue borrower. Requires manager or cashier role. Effects on the borrower: 60-minute jail, bail = 50% of amount owed, -10 reputation. Defaulting on a loan results in jail time, heavy bail, and a significant reputation penalty. Repay before the due date.
