🏦 Bank
Deposit to earn interest (bank pays 0.5%/hr). Borrow at 20% fee + 2%/hr cartel interest. Cap your loan slots; upgrade your bank limit to stash more.
💵 Deposit
Move coins from your balance into the bank. Bank earns interest. Capped by your bank limit.
💸 Withdraw
Pull coins out of the bank into your balance.
📈 Take a Loan
Borrow coins. Adds 10% fee to your debt + 2%/hr cartel interest. Max slot count … active loans at once. Loan size is gated by your net worth, and you can't gamble money beyond balance − debt.
💎 Savings Account
Lock coins away for a higher yield than the main bank. The longer the lock, the higher the rate (0.5%/hr at 24h up to 1.4%/hr at 30d). Early withdrawal = 10% penalty.
📊 Credit Report
Your score gates loan size, loan fees, mortgage down-payment, and mortgage APR. Repay debts on time to climb · take loans / get jailed to drop. Range 300–850.
🏡 Home Mortgages
Buy a home with a down payment + a 12-month mortgage. Better credit = smaller down, lower APR. Each on-time payment bumps your score; paying it off in full gives a big credit boost. Need credit ≥ 500.
… of home price
…
12 mo
📉 Repay Debt
Pay off debt from your balance. The faster you pay, the lower the cartel-interest snowball.
⬆️ Upgrades
Permanent buffs to your banking capacity. Costs scale per level.
📉 cartel interest on debt: 2.0%/hr (uncapped — pay it off fast)
💀 >5M debt = cartel hits: hitman risk + bounty risk + jail risk