Economy & Bank
Every member has a wallet, and every member can open a bank account. Understanding the difference between the two is the key to using the economy well.
Your wallet is what games bet with. Your bank is what earns interest. Nothing in the games system ever touches your bank balance — moving coins into the bank is the only way to protect them from a losing streak.
Your wallet
Coins in your wallet come from a few places:
- Chatting — sending messages earns small amounts of coins and XP over time (server admins can turn this off in
/setup). - Daily reward — see below.
- Games — every game in the games list pays out to your wallet.
- Quests — daily and weekly quests reward coins and gems on completion.
Daily reward
Claim once every 24 hours for a random amount of coins, plus whatever bonus your server has configured:
/daily
daily| Component | Amount |
|---|---|
| Base reward | 200 – 400 coins (random) |
| Server bonus | Set per-server in /setup, defaults to 0 |
| Cooldown | 24 hours from your last claim |
Claiming daily also increases your streak by one day. Miss a day and it's just about earning less — your streak counter keeps climbing every day you remember to claim, and long streaks are tracked toward streak-based achievements. Check it on its own with:
/streakChecking your profile
/profileShows your wallet balance, bank balance, gems, level with an XP progress bar, current streak, and win/loss record in head-to-head games.
Gems
Gems are a secondary currency earned only from achievement rewards and quests — there's no way to buy or grind them directly. The one thing you can do with gems is turn them into coins:
.convert 10Fixed 1 : 150 conversion rate — 10 gems becomes 1,500 coins.
Gems convert to coins at a fixed 1 : 150 rate.
The bank
Open an account to start earning interest on coins you're not actively using. Your first account opens automatically the first time you touch any bank command.
Account tiers
Higher tiers unlock better interest, bigger deposits, and bigger loans. Upgrading costs a one-time coin payment.
| Tier | Daily interest | Max deposit | Max loan | Upgrade cost |
|---|---|---|---|---|
| 1 — Basic | 1.2% | 10,000 | 500 | Default |
| 2 — Silver | 1.8% | 50,000 | 2,500 | 5,000 coins |
| 3 — Gold | 2.4% | 200,000 | 10,000 | 25,000 coins |
| 4 — Vault | 3.0% | 1,000,000 | 50,000 | 100,000 coins |
Bank commands
Run /bank help or the prefix version bankhelp any time for a compact cheat sheet of every bank command below, slash and prefix side by side.
Opens your account overview — balance, tier, and next interest payout time.
Move coins between your wallet and your bank balance, up to your tier's deposit cap.
A quick-access shortcut for common deposit/withdraw actions without opening the full panel.
Manually claim interest once it's ready — it also collects automatically the next time you open your account.
Pay the coin cost to move up a tier once you can afford it.
Loans
Borrow against your tier's limit when your wallet runs dry. Loans run for 3 days at a flat 15% interest, and you can only have one active loan at a time.
/bank loan amount:1000
.repay 1150Letting a loan run past its 3-day term has consequences — repay from your bank command panel before it's due.
Investments
Lock coins into an investment and collect the payout once it matures. Higher risk means a longer lock, a lower win chance, and a bigger possible payout. You can hold up to 3 active investments at once, with a 100-coin minimum per investment.
| Risk level | Duration | Win chance | Payout range |
|---|---|---|---|
| Safe | 1 day | 95% | 1.05× – 1.15× |
| Balanced | 2 days | 78% | 1.15× – 1.45× |
| Risky | 3 days | 55% | 1.40× – 2.20× |
/bank invest amount:5000 risk:balanced
/bank investmentsLosing investments don't return any coins — the amount invested is the amount at risk.
Robbery
Attempt to steal from another member's bank balance. Their wallet is never at risk — only what they've deposited.
/bank robbery target:@username- The target needs at least 200 coins banked to be worth robbing.
- Your success chance starts at 40% and drops by 7% for every tier above Basic the target holds (never below a 15% floor) — a Vault-tier account is much harder to rob than a Basic one.
- Success steals 10–25% of their bank balance, picked at random.
- Getting caught costs you a fine of up to 500 coins.
- Either way, you're on a 6-hour cooldown before you can try again.
Transfers & lending
Send coins directly to another member.
Lend coins to another player with interest attached — a player-to-player alternative to the bank's own loan system.
Bank leaderboard
.banklbRanks your server by bank balance — separate from the main XP leaderboard covered on the Rank & Progression page.
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