Banking system rework

[Christofo]

So I have seen that we have a very basic yet working system for our banking. I would like to expand it further and help players create more than just a simple personal account.

 

Personal Accounts

Remains the same.

 

Shared debit Accounts

Players who roleplay a marriage and or other sorts of partnerships may want to build a financial portfolio together which allows them to withdraw and deposit money into an account together. This has huge benefits for both the legal and criminal world. This also benefits said person(s) who wish to build money for businesses and projects together.

 

 A lot of people lease offices for their personal businesses such as psychologists, defence attorneys and more. Some people do not want a whole store or business where a simple office works just fine and this business accounts allows said person to keep their money transactions separate from their personal accounts. 

 

- Basic Personal account for more than one person

- Able to deposit and withdraw how they please

- Allow unlimited amount of shared accounts.

- Able to name the shared account

- Allowing the creator to edit/add/remove people from said account

- A visible panel on fleeca website to see who is part of said account

- Small businesses that rent/lease offices to have a shared account with their partner(s) to help build their small business.

 

Credit Card Accounts

Players may submit for a Credit card that allows players to borrow sums of money which builds interest over time that you must pay back or it begins to take the money from your personal account creating somewhat of a debt system. This can go both ways, either have a set amount a person may get for their card or having approval and creation by an admin team (example PM) to review and accept said person's credit card.

 

- The more money you submit for, the bigger the interest rate, the quicker you have to pay it off

 

Savings Accounts

A system where you can create a personal savings account that allows you to deposit a sum of money that doesn't allow you to withdraw for a set amount of time. The more you initially place into the account the more money you will gain over time. This of course needs to be heavily restricted to one savings per-character. This can be set for a 3-month minimum period before withdrawing and having an extremely low interest rate. This has a great benefit for the lower-class and or younger class of people who roleplay schooling etc, allowing them to create roleplay around savings and so forth.

 

- Savings account with small interest rate

- Deposit and cannot withdraw the initial sum and or interest until reaching the date marked (3-month minimum period)

- Low-interest rate to avoid mass profit

- A minimum deposit and a maximum deposit

 

Business Accounts

When owning a business you have a small set of roles with no editorial restrictions the owner can place for each person, having a more optional way of what said person can see no matter the role, position and or ranking within the business account allows a more createful business. Allowing owners to create roles for their business along with specific access to what said role can or can't do. A business account where you're able to set roles and specific access from just viewing the amount or able to withdraw and deposit money into said business account. 

 

Organisation Account (Factions)

Basically the same as a business account where you're able to set roles and specific access from just viewing the amount or able to withdraw and deposit money into said organisation account.

 

ATM System

You have a system on Fleeca that allows you to set a default account. This will help when you reach to an ATM and /withdraw or /deposit into a bank. Having that account as the one being produced.

Edited August 13, 2023 by Christofo

[cleavoN]

Fire suggestion, it's actually gonna make it more immersive. Keep it up bro!

[F34]

Sounds interesting, it could be useful for sure and more immersive. +1.

[SAMPVet]

Dope creating a credit system I feel would be dope, I like how you stated it but I feel maybe it should be broken down with a FICO as well type of system base it off your assets for limit etc. If you don't pay it back overtime they diminish as you said your money and/or assets if you don't have any liquid available. But sharing accounts etc. is dope, especially for relationship roleplay. Would for sure make things way more immersive.

[varthshenon]

Most if not all of the suggestions here won't work as long as money is not treated ICly as a whole. Especially the credit card and savings.

[Aqua.]

I like this idea. It would be pretty cool for the banking system to get some attention. +1

[Jacooob]

Love this idea, definitely a +1 from me. A credit system would be awesome and is something I can definitely get behind

 

LETS DO THIS

[DLimit]

Much needed, +1.

[KussArsch]

This would be awesome, I've really been wanting more features for characters that are married/partnered as well. +1

[Bobb]

+1