Bank

About


The Aywas Bank is a core feature of the game where the player handles most fiscal matters. The Bank has three sections, and maintains a log of your latest transactions. The bank handles two out of three currencies, both BP and GP.

Withdraw/Deposit
Each user has three accounts, designed to help them manage money and get interest on the money they have in the bank. These three accounts will be outlined below.

Checking Account
In a checking account, you can store BP there and gain a very low amount of interest, and you have 10 withdraws allowed per level per day. The checking account should be used as a place to hold BP for short periods of time, as you can move it more frequently and it has much less interest than a savings account.

5 levels

 * Beginning: 0 BP mininum with 1% interest.
 * Intermediate: 50,001 BP minimum with 1.5% interest.
 * Advanced: 250,001 BP minimum with 2% interest.
 * Savvy: 1,000,001 BP minimum with 2.5% interest.
 * "What's this, I don't even...": 5,000,001 BP minimum with 3% interest.

Savings Account
In a savings account, you can store BP there and gain considerable interest on BP stored. Unlike the Checking account, you only have one withdraw allowed per level per day. In general, the savings account is used to store BP over long periods of time and gain interest rather then moving it around constantly. It is a good idea to have some amount of money stored here as a backup if you need BP for something unexpected.

5 levels

 * Beginning: 0 BP mininum with 3% interest.
 * Intermediate: 50,001 BP minimum with 4% interest.
 * Advanced: 250,001 BP minimum with 5% interest.
 * Savvy: 1,000,001 BP minimum with 8% interest.


 * "What's this, I don't even...": 5,000,001 BP minimum with 10% interest.

GP Account
There is also a GP account that collects no interest. It's simply deposit in, and withdraw out. Unlike the other two accounts, there are no limits on depositing or withdrawing.

Latest Transactions
In this log, your latest transactions ordered from most recent to least recent, will be displayed. The entries look like this: Day, Date @ Time: You sent USER (#ID) X BP and X GP successfully. Logging of incoming transactions was added on August 12, 2012.

Send BP/GP
In this section of the bank, you can send Blue Paws and Gold Paws to another user as long as you have their user ID. It's a simple form to complete: input both the amount of currency to be sent and the user ID, and hit send. This transaction will be logged into your Latest Transaction log, as outlined in the above section. Anonymous gifting was added on August 11, 2012. 

Purchase CD's
In this section of the bank, you can purchase Certificates of Deposit (CDs). These certificates effectively lock up your funds for specified period of time, useful if you are a compulsive spender or simply need an unbreakable piggybank. Up until August 2012, CD's gave out interest. This was causing massive inflation in the economy, which resulted in their removal.


 * News Post 1696

Historial Rates 2011

 * 7 day CD: 5% interest on BP
 * 30 day CD: 10% interest on BP. 5% interest on GP
 * 90 day CD: 15% interest on BP. 10% interest on GP

Historial Rates 2012

 * 7 day CD: 5% interest on BP
 * 14 day CD: 2% interest on BP
 * 30 day CD: 6% interest on BP. 5% interest on GP
 * 90 day CD: 15% interest on BP. 8% interest on GP