Advanced Banking System

Advanced Banking System turns Minecraft Bedrock into a full working economy — persistent bank accounts, physical cash, an ATM you place in the world, a PIN-protected bank card with upgradeable tiers, a password-protected safe, loans with a credit score system, an interest-earning savings account, weekly wealth tax, business accounts with employees and invoices, direct payments, player-to-player transfers, a server wealth ranking, and a full transaction history. Everything is built with the official Script API (@minecraft/server + @minecraft/server-ui), so it's fully data-driven, safe to use on servers, and easy to extend.

Features

Core banking

• Persistent bank accounts — unique account number, balance, and creation date that survive world restarts, server reboots, deaths, and reconnects.
• Physical cash — 8 collectible bill denominations ($1–$1000), each with its own hand-drawn texture and value shown in the item's lore.
• ATM block — place it anywhere, right-click to open the bank menu. Automatically rotates to face the direction it was placed.
• Bank Card — opens the same menu from anywhere once you have an account, no ATM required.
• Deposit / Withdraw — deposit scans your whole inventory for bills automatically; withdrawals (preset or custom amount) are paid out as the smallest possible number of bills via a greedy algorithm.
• Transfers — send money directly to any connected player with an account.
• Transaction history — the last 50 movements per account, saved permanently.

Safe

• Password-protected Safe block — set a password on first use, then store/retrieve items from a menu-based inventory. Breaking it drops everything so nothing is lost.

Economy system — Phase 1

• Card PIN security — 4–6 digit PIN required to use the Bank Card, with a 3-attempt lockout (unlockable only at an ATM).
• Credit Score (300–850) — rises with on-time/full loan repayment, falls with late payments or defaults.
• Loans — borrow up to credit score × 20, 10% interest, 7-day term, automatic late penalties and default tracking.
• Savings account — earns 2% weekly compound interest, calculated automatically based on real elapsed time.
• Wealth tax — optional weekly 2% tax on total net worth, with a tax-free threshold (toggleable).
• Economic dashboard — net worth, active debt, credit score, transaction count, and account age at a glance.
• Server ranking — top richest players with medals, plus global economy stats.

Economy system — Phase 2

• Tiered cards — Basic (free) → Gold ($5,000) → Diamond ($20,000) → Premium ($50,000), each with higher per-transaction and daily transfer/withdrawal limits (Premium is unlimited). Upgrade from the "Card" menu.
• Business accounts — create up to 3 businesses, each with its own balance separate from your personal account. Deposit/withdraw, hire employees with a salary and pay them with one click, and track a full business transaction history.
• Invoices — any business can bill a connected player with an amount and a description; the player can pay or reject it from their "Invoices" menu.
• Direct payments — pay any business by name straight from your account, no physical bills or ATM needed — like paying at a shop's register.

How to use

1. Enable Beta APIs in your world's Experiments settings (required — the addon uses the Script API).
2. Place an ATM block (bank:atm) or get one with /give @s bank:atm.
3. Interact with it. First time using it, it'll offer to open an account for $100 in physical bills.
4. Get some starter cash with /give @s bank:bill_100.
5. Use the menu to deposit, withdraw, transfer, pay a business, manage savings, request a loan, upgrade your card, set up security, run a business, check invoices, view your dashboard, or check the ranking.
6. Once you have an account, the Bank Card (bank:bank_card) opens the same menu without needing to be near an ATM.
7. Place a Safe (bank:safe) to store items behind a password.

Requirements

• Minecraft Bedrock Edition (latest stable release recommended)
• Beta APIs experimental toggle enabled in the world

Notes

• All data is stored safely with dynamic properties — no data loss on disconnect, death, or restart.
• No negative balances, no duplication exploits — every balance change is validated server-side.
• Interest, tax, and loan penalties are computed lazily (applied next time the bank is opened, based on real elapsed time) rather than via an always-running timer, for performance.
• Businesses and invoices use player-owned shops (identified by name) instead of NPCs, to keep things stable and reliable.
• Fully modular script architecture, covered by 56+ automated tests, and fully localized in English and Spanish (auto-detects the player's game language).
• Planned for a future update: a multi-bank ATM network with inter-bank fees, and real NPC merchants.

If you run into any issues or have feature requests, feel free to leave a comment!