Its my money...and i need it now

[Arctic]

Sorry chi, but you have to bear with me again on Arctics Crazy Ideas, just wait to shoot me till the end.

How about we add a lil fun to WoB and add a banking system...but not just any banking system like tnr that is static and doesnt do anything. You should add interest(percentage increases with aura), maybe add more moves to our list to buy, be allowed to take out loans(interest rate on loans DECREASES with aura) and you cant take out money till its paid off, and so on. Add a lil real life fun with WoB! Or just continue viewing me as the special boy and send me back to my seat...

-flees to his hole-

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[Arctic]

Ganni...this is why ur my favorite...
LOLOLOLOLOLOLOLOLOLOLOLOLOLOLOLOLOLOLOLOL

[LuluViBritannia]

I like this idea o-o A lot. I'm in D=

[Legend]

Sounds like fun I'll be Donald Trump o.o

[neji2k]

meh sounds like it'll only be good for the rich people but whatever~ i like it!

[orosan]

neji ,he said interest in the bank o.o
it means everyone would get rich xD

[Ezoroth]

Yeah, I'm all for this idea.

It'll be a lot of fun :D Will there be a maximum to how much the bank can hold? What will the interest be, 5%? Will you have to pay money to be able to start putting money into the bank? Rank restricted? All kinds of stuff that needs to be put into thought.

[neji2k]

its just that the more money you have the more interest you get so it could take awhile to get alot of money but money is money nonetheless :D i doubt this'll be done tho just cuz its a way to get extra money

[Lust]

So its like this?:
Banked: 5000000yen
(interest rate: 5%)
Next interest rate application: 14 days
Money after interest rate: 7500000yen

I'm thinking interest should be applied once every 2 weeks so everyone dont get rich right off the bat

[LuluViBritannia]

Too much interest there.

[Lust]

Interest is a simple variable. It can be changed anytime. Just did that to demonstrate how it could work and such o/

[Andreas48624]

I think there should be a option that you can increase the interest rate with the shards/yen/souls

[Lust]

I think there should be a option that you can increase the interest rate with the shards/yen/souls

elaborate o.o

[Andreas48624]

If the set interest is 5% and you gain the interest only in 2 weeks you could maybe buy a interest rate increase with example 5 shards or 1 mil yen/souls then the interest increases with maybe a 1% and the next time you buy the interest increase the price would go up with 0.5 mil or 2 shards.
You can also decrease the interest pay our with a week by paying a set amount of shards or yen/souls.Just a idea

[Azula]

Yeah, but then people with more yen/shards would keep buying interest rate, and before long they'd have 20 or 30%

[Andreas48624]

Yeah, but then people with more yen/shards would keep buying interest rate, and before long they'd have 20 or 30%

That's why there must be a type of limit like increasing the interest can only be done once a week and the increase is 1% and the cost per increase must also increase with maybe half it's cost eg. 1mil yen/souls for 1%...1.5mil yen/souls for next 1% increase or something in that line

[Lust]

I'd say with that idea It'd be good but as Naomi said rich people woukd get too rich if anything it should be .1% interest rate once per week

[Andreas48624]

What if there was only a set amount of money that you can get interest on like at a max you can only get interest for 10mil any more yen/souls will not get interest on it,so then you don't need to restrict the interest increase that much and then new players can also get the increases.

[Lust]

Interest needs to be restricted, even with 10mil and a 5% intrerest it's way too high, so what I propose is that no set cap for how much yen you can get interest on but interest starts at 0% then you work it up from 0% by .1% every week or so

[Azula]

Yeah, that's a bit better...but still, persistent/active people, especially rich ones, will end up with large interest after a long period of time o.o

[Andreas48624]

Yes i agree with that,there could also be a 5% interest rate for new players until they get to a certain level then the interest resets or a option in the premium section that can increase your interest for say a week for a set amount of shards, the richer you are the more you must pay to increase your interest and maybe have a limit to how long the increase is there like in the case of the aura's that are a week and month i think.

[orosan]

good thing im not rich then o.o xD

[Haruchi]

This suggestion has been bothering me for a while now. Main reason is: Bankcap.

There seems to be concerns of the RICH and FABULOUS players becoming even richer sooner than one can spell Chi correctly. Bankcap could limit it, and also lead to spreading the wealth, if we're thinking positive. Modern day Robin Hollows.
Before a hairsplitter waltzes in on this, yes, there is a bank cap even now, but it's ridiculously high.

Anywho. The possibility to take out loans is to be noted as well. I can imagine a player loaning a million or few hundred of them, ragequitting, and never paying it back.

Numbers can be argued about later if this will ever even make it to implementation.

[Kuchiki_Mateus]

good idea
btw the shinigamis gain salary(in the anime)
so they have a bank(i think)
that's can make the game more funnnnn

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