The first two pillars of the a20n economy are now live: Banking and the Player Marketplace.
Banking
Visit any banker NPC to safely store your gold. Banked gold is protected from death penalties and PvP — carry only what you're willing to lose.
- Four deposit tiers — Savings (liquid, 0.01%/day), Short (7-day lock, 0.03%/day), Medium (30-day lock, 0.05%/day), Long (90-day lock, 0.08%/day)
- Interest accrues in real time — the longer you commit, the more you earn
- 5 account slots per player (expandable later with Donor Tokens)
- Full transaction history — every deposit, withdrawal, and interest payment is logged
The bank is a gold sink by design: it encourages accumulation, which encourages spending on the marketplace and future systems.
Marketplace
The player-to-player marketplace is now open. List any tradeable item from your inventory at your chosen price. Other players browse, search, and buy instantly.
- 2% listing fee (paid upfront, non-refundable — gold sink)
- 3% sales tax on completed sales (gold sink)
- 48-hour listings that auto-expire if unsold (items returned, fee forfeited)
- Price history — see what items have sold for recently. No more guessing.
- Browse and filter by category, rarity, price range, and item name
- 10 active listings per player (expandable later)
Together, listing fees and sales tax remove ~5% of every transaction's value from the economy. This is the structural anti-inflation mechanism that keeps gold meaningful.
What's Next
With banking and marketplace in place, the economy has a foundation. Next up:
- Crafting — smithing, alchemy, enchanting, tailoring, cooking
- Personal Businesses — own a smithy, hire workers, sell to NPC foot traffic
- Auction House — timed auctions for rare drops and high-value goods
- Economy Monitoring — PostHog dashboards tracking gold flow, price indexes, and anomaly detection
The economy is no longer theoretical. It's running.