Today I read on the forum someone mentioning the possibility of banks granting loans, and I really liked the idea, so I'm starting this thread to get everyone's opinion.

Interest could be automatically collected from the player's vault, for example.

Please opine, thanks 😊 

To prevent misuse by new players, loans could be unlocked once a player reaches 20 days of membership, with the maximum loan the bank could grant being 5 million per day of membership, for example. This way, a player with 100 days of membership could request a maximum loan of 500 million from the bank.

Just some ideas 😊

Maybe have it so that if there is repayment delinqueincy by the player by hiding cash. The bank will start taking items from the players inventory but at ingame value. So the player has to lose a lot by not repaying properly. The bank can mark which items will be repossessed with a timer to give player a chance to repay. Also after repayment the player can buyback the items with a small fee to the bank within a certain time.

To add: Marked items by the bank cant be sold by the player. So if the player is being stubborn by selling off all his items and hiding money. Whenever new items are added to his inventory it gets immediately marked and cant be sold or traded. Cash is simpler...with any cash coming in going straight to the bank for repayment.

It will be perfect if we can take loans and if any player default on payment,his in game materials properties,house and lands will be consificated till he/ she pays up the loan and 

Make it so only level 20+  can use it. Make the multis work before they abuse it 😂

I think a loan system could work, but only if it requires collateral.

Players should be required to lock valuable items as collateral before receiving a loan. The total value of the collateral should be at least 50% of the loan amount.

While the loan is active, the collateral cannot be traded, transferred, dropped, or used in any way. It remains locked by the bank until the debt is fully repaid.

If the repayment deadline passes and the player has not paid the loan back, the bank should automatically confiscate the collateral permanently.

However, I still see a potential loophole. A player could create a new account, wait until they meet the minimum requirements, repay a few small loans to build trust, then take a much larger loan and never return to the game.

Because of this, collateral alone may not be enough. The system should also include strict requirements such as minimum account age, activity requirements, reputation requirements, and a maximum loan limit based on player progress.

Even with these protections, developers should be very careful because loan systems are often vulnerable to abuse by disposable accounts.

I think a loan system could work, but only if it requires collateral.

Players should be required to lock valuable items as collateral before receiving a loan. The total value of the collateral should be at least 50% of the loan amount.

While the loan is active, the collateral cannot be traded, transferred, dropped, or used in any way. It remains locked by the bank until the debt is fully repaid.

If the repayment deadline passes and the player has not paid the loan back, the bank should automatically confiscate the collateral permanently.

However, I still see a potential loophole. A player could create a new account, wait until they meet the minimum requirements, repay a few small loans to build trust, then take a much larger loan and never return to the game.

Because of this, collateral alone may not be enough. The system should also include strict requirements such as minimum account age, activity requirements, reputation requirements, and a maximum loan limit based on player progress.

Even with these protections, developers should be very careful because loan systems are often vulnerable to abuse by disposable accounts.

PRATAMA - 19/06/2026, 16:34:08 That's a great idea bro

Yes, it might need tighter security.

I'm looking forward to this feature

Quizás se podría implementar un sistema en el que, si el jugador incumple con los pagos ocultando dinero, el banco comience a confiscar objetos de su inventario, pero al valor del juego. De esta forma, el jugador perdería mucho dinero por no pagar correctamente. El banco podría marcar los objetos que se recuperarán con un temporizador para darle al jugador la oportunidad de pagar. Además, tras el pago, el jugador podría recomprar los objetos al banco pagando una pequeña comisión dentro de un plazo determinado.

Para añadir: Los objetos marcados por el banco no pueden ser vendidos por el jugador. Así que, si el jugador se empeña en vender todos sus objetos y esconder el dinero, cada vez que añada nuevos objetos a su inventario, estos se marcarán inmediatamente y no podrán venderse ni intercambiarse. El efectivo es más sencillo: todo el dinero que ingrese irá directamente al banco para su devolución.

EPICM - 19/06/2026, 15:26:53

Good idea 👍 

Sería perfecto si pudiéramos obtener préstamos y si algún jugador incumple con el pago, sus propiedades, casas y terrenos en el juego se considerarán confiscados hasta que pague el préstamo y 

UMEHAKA - 19/06/2026, 15:54:45

Totally agree 👍