Verobank: Advanced Banking, Collateral Loans & Stock Market

Verobank is a comprehensive, production-ready banking and investment addon for Minecraft Bedrock Edition. It features daily savings interest, time-locked high-yield deposits, collateral-backed loans with enchantment appraisal, player wire transfers, credit trust tiers, and an active 18-company stock exchange.

Built using the @minecraft/server Script API with zero experimental toggles required.

Achievement Friendly: no experimental toggles needed, 100% survival SMP ready.

Key Features

Triple-Access System

• Bankbook Item (verobank:bankbook): a portable ledger given on first join, right-click/use to open the bank hub anywhere.
• Vault Block (verobank:vault): a physical reinforced ATM safe block, craftable and placeable at spawn or player bases.
• Script Command (/scriptevent verobank:open): usable in NPC dialogs, command blocks, or warp zones.

Separate Wallet & Bank Savings

• Wallet (Scoreboard money): pocket money (Ducats) used for daily trading in shops and auctions.
• Bank Savings (verobank:account): safe vault storage earning 1% simple interest every 24 hours (real-world time).
• Secure deposit and withdrawal modals with instant balance updates and clear action bar alerts.

Time-Locked Deposits (Deposito)

• 3 days: +3.0% interest yield
• 7 days: +8.0% interest yield
• 14 days: +18.0% interest yield
• Trust Reputation Bonuses: higher trust tiers add up to +1.5% extra yield.
• Early Withdrawal Protection: principal is always 100% safe, an early withdrawal only applies a configurable penalty to accrued interest.
• Up to 3 active deposits per player at once.

Collateral-Backed Loans with Auto-Appraisal

• Pledge rare items: Elytra, Totems, Netherite Gear, Tridents, Diamond Equipment, and Enchanted Books.
• Smart Enchantment Appraisal: enchantments directly increase loan appraisal value (+5% to +15% per level).
• Flexible Repayment: 7-day tenor at 10% flat interest with partial payments supported.
• Full Item Preservation: restores durability, name tag, lore, and all enchantments upon full repayment.
• Auto-Liquidation on Default: if a loan expires unpaid, collateral is seized, preventing debt traps.

Player-to-Player Wire Transfer

Transfer Ducats directly from bank savings to any online player, with a configurable transaction fee (default 0%) and a full audit history recorded for both sender and receiver.

Trust Score & Tier Reputation

Tiers & Privileges

• Bronze (0-49 pts): standard banking features.
• Silver (50-149 pts): +0.5% bonus deposito interest.
• Gold (150-399 pts): +1.0% bonus deposito interest.
• Platinum (400+ pts): +1.5% bonus deposito interest and exclusive badges.

Stock Market / Bursa Efek (Plug & Play)

• 18 listed companies across 6 sectors: Agriculture, Forestry, Livestock, Mining, Alchemy, and Logistics.
• Lot Trading System: 1 lot = 100 shares, with a real-time floating profit and loss tracker.
• 1% broker fee on every trade, deposited directly into the server's Bank Treasury.
• Ecosystem Reactive: stock prices fluctuate dynamically with Dynamic Economy crises and Auction House sales.
• Zero-Config Hard Gate: automatically enabled when both Dynamic Economy and Auction House are active.

Crafting Recipes

Bankbook (verobank:bankbook)

[   ] [Gold Ingot] [   ]
[Gold Ingot] [Book] [Gold Ingot]
[   ] [Gold Ingot] [   ]

Bank Vault (verobank:vault)

[Iron Ingot] [Iron Ingot]    [Iron Ingot]
[Iron Ingot] [Chest]         [Iron Ingot]
[Obsidian]   [Redstone Dust] [Obsidian]

Server Owner Configuration Guide (scripts/config.js)

All server settings can be customized in Verobank_BP/scripts/config.js:

Localization

Verobank natively includes dual-language support:

• English (US): en_US
• Indonesian: id_ID

Installation

1. Download or compile Verobank_v1.0.0.mcaddon.
2. Double-click or open the file with Minecraft Bedrock to import both the Behavior Pack and Resource Pack.
3. Activate both packs in your World Settings.
4. No experimental toggles needed.

Verocraft Ecosystem Integration

Verobank is designed to collaborate with the entire Verocraft economy family with zero manual configuration.

With Dynamic Economy (DE)

• Shares the player's wallet balance in real time through the money scoreboard (Ducats).
• An "Open Dynamic Market" button (economy:market) automatically appears in Verobank's main menu.
• Verobank receives market crisis events from Dynamic Economy to anticipate server-wide economic shocks.

With Auction House (AH)

• Collateral seized from a defaulted loan is automatically auctioned off through the Auction House under the seller name "[Verobank]".
• A customer's Trust Tier badge (Bronze/Silver/Gold/Platinum) is displayed next to the seller name in auction listings.
• An "Open Auction House" button (auction:open) automatically appears in the main menu.

Recommended: Install Verohub

For the best experience, installing Verohub alongside Verobank is strongly recommended:

• Single Access Item: when Verohub is installed together with the other economy addons, Verobank's verobank:bankbook starter item is automatically suppressed, so players only need to carry one item, the Merchant License (verohub:merchant_license).
• Centralized Admin Dashboard: the /scriptevent vc:panel command lets admins monitor the bank module's health, integration status with the auction house/market, and scoreboard stability.