🏦 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.

✨ 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

🌍 Localization

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

📦 Requirements

🚀 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!

🎮 Commands

Player Commands

Alias: /bank also works for all commands.

Admin Commands

⚙️ 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:

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

Developed by CrystalRealm for the Hytale community