🏦 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

🔐 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)

🌍 Localization

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

📦 Requirements

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

🚀 Installation

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

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

🎮 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

⚙️ 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!

⏰ 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.

🔌 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.

Developed by CrystalRealm for the Hytale community

EcoTale Banking