EcoTale Banking

🏦 EcoTaleBanking

Complete banking system for Hytale servers — deposits, loans, credit rating, inflation & taxes

Let players save money in interest-bearing deposits, take loans, build a credit score, and manage their finances through a beautiful native GUI — all powered by a realistic economic simulation with inflation, taxes, and anti-abuse protection.

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✨ Features

💳 Deposits

• 3 built-in plans — Short-Term (7d, 3%), Medium-Term (14d, 6%), Long-Term (30d, 12%)
• Daily interest accrual with inflation-adjusted rates
• Early withdrawal with configurable penalty

💸 Loans

• Flexible borrowing with interest, collateral, and term
• Daily auto-payments from player's wallet
• Multiple repayment options — 10%, 25%, 50%, or full balance
• Overdue penalties and automatic default

🏅 Credit Rating

• 0–1000 score with 5 tiers (Excellent → Bad)
• Affects loan interest, max loan amount, and collateral
• Anti-abuse: instant repay does NOT boost credit (3-day minimum hold)

📊 Inflation Engine

• Server-wide dynamic inflation with random fluctuation & mean-reversion
• Affects both deposit and loan rates in real-time

🏛️ Taxes

• Progressive balance tax, interest tax (default 13%), transaction tax
• All fully configurable

🖥️ Native GUI (No Dependencies!)

• Player Panel (4 tabs): Overview, Deposits, Loans, History
• Admin Panel (4 tabs): Dashboard, Accounts, Activity, Settings (40+ values editable in-game)
• All actions update instantly — no loading screens

🛡️ Protection

• Rate limits, cooldowns, suspicious activity logging
• Account freeze/unfreeze by admins
• Full audit log for every transaction

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🔐 Permissions

Permission	Description
ecotale.bank.use	Basic player commands (balance, deposits list, loans list, info, history, gui, lang)
ecotale.bank.deposit	Create and withdraw deposits
ecotale.bank.loan	Take and repay loans
ecotale.bank.admin	Admin commands (freeze, unfreeze, reload, admin gui)

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🌍 Localization

• Full RU / EN support with per-player switching
• All GUI elements, errors, history — fully translated

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📦 Requirements

Dependency	Required	Description
Ecotale ≥ 1.0.0	✅	Economy & currency system
EconomyAPI ≥ 1.4.5	✅	Economy & currency system

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🚀 Installation

1. Download EcoTaleBanking-1.2.0.jar
2. Place it in your server's mods/ folder
3. Make sure Ecotale is also installed
4. Start the server — config & lang files are created automatically

Three deposit plans and a default loan configuration work out of the box!

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🎮 Commands

Player Commands

Command	Description
/b	Open bank GUI panel
/b balance	Account overview & balance
/b deposit	Open a deposit
/b withdraw	Close / withdraw a deposit
/b deposits	List active deposits
/b plans	View deposit plans
/b loan	Take a loan
/b repay	Repay a loan
/b loans	List active loans
/b info	Credit score, inflation, loan terms
/b history	Transaction history
/b langen	Switch to English
/b langru	Switch to Russian
/b help	Command reference

Alias: /bank also works for all commands.

Admin Commands

Command	Description
/b admin gui	Admin monitoring panel
/b admin freeze	Freeze a player's account
/b admin unfreeze	Unfreeze a player's account
/b admin reload	Reload configuration

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⚙️ Configuration Highlights

Config file: mods/com.crystalrealm_EcoTaleBanking/EcoTaleBanking.json

• Deposit plans — term, rate, min/max amounts (add your own!)
• Loan settings — base rate, limits, collateral, overdue penalties, default rules
• Credit tiers — 5 tiers with rate modifiers and loan multipliers
• Inflation — volatility, bounds, update interval
• Taxes — balance tax brackets, interest tax, transaction tax
• Protection — rate limits, cooldowns, audit log settings
• Game day — configurable real seconds per game day (default: 2880s = 48min)

All settings can be edited in-game via the Admin Panel!

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⏰ Game Day System

All time-based mechanics (interest, loan payments, deposit terms) run on configurable game days. Default: 1 game day = 48 minutes real time. Adjustable via config or admin GUI.

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🔌 EcoTale Ecosystem

EcoTaleBanking is part of the CrystalRealm EcoTale plugin family:

Plugin	Description	Synergy
Ecotale	Core economy — wallets, currency	🔗 Required
EcoTaleIncome	Earn money from gameplay	💰 Earn → deposit → grow wealth
EcoTaleQuests	Daily & weekly quests	🎯 Rewards → loan collateral, capital
EcoTaleBanking	Banking system	← you are here

Install all three alongside Ecotale for a complete economic game loop: earn → save & invest → complete goals.

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Developed by CrystalRealm for the Hytale community