🏦 PawnBanker — Loan & Pawn Shop System

💡 Transform your server economy. Let players become licensed bankers, negotiate real loan deals, and manage collateral — all through stunning in-game GUIs.

🌟 What is PawnBanker?

PawnBanker brings a fully functional banking & pawn shop system to your Minecraft server. Players can earn a Banker License, offer loans to others, require collateral items as security, and manage everything through a dual-player bargaining GUI — complete with live countdown timers, automatic forfeitures, and a credit score system.

✅ No external economy plugins needed. Works completely out of the box.

✨ Features

🪪 Banker License System

Pay a configurable server fee (default: $10,000,000) and unlock the full banker toolkit permanently. Server owners can set any price they want in config.yml.

🤝 Live Dual-Player Bargaining GUI

A shared real-time inventory opens for both players. The Banker sets principal, interest & duration while the Borrower places collateral items. Both must confirm before the deal locks in.

⏱️ Smart Countdown Timer

Active loan timer shown via ActionBar or BossBar (your choice in config). Color shifts dynamically:

🟢 Green — Plenty of time remaining
🟡 Yellow — Halfway through the loan period
🔴 Red — Critical, deadline is near

🏚️ Banker Warehouse Vault

Loan expired unpaid? Collateral automatically forfeits to the Banker's private GUI vault. Items are safely stored and persist across server restarts.

📊 Credit Score & Reputation System

Every player has a 0–200 reputation score. Repay on time = score goes up ⬆️. Default = score goes down ⬇️. Bankers can check borrower scores before offering any deal.

💸 One-Click Repayment GUI

Borrowers repay via /loan pay. Money transfers and collateral returns are fully automated — no admin intervention needed.

⚙️ Fully Configurable

License price, currency symbol, timer display mode, loan duration limits, and credit adjustments — all editable in config.yml without any restart.

🎮 How It Works

Step 1 — Become a Banker

/banker buy

Pay the $10,000,000 license fee (configurable) and unlock full banker access instantly.

Step 2 — Send a Loan Offer

/loan offer <PlayerName>

The target player receives a clickable glowing message in chat to accept the deal.

Step 3 — Negotiate at the Bargaining Table

A shared GUI opens for both players simultaneously:

🟡 Banker → Sets Principal ($) · Interest ($) · Duration
💎 Borrower → Places Collateral Items
✅ Both confirm → Deal is locked & loan goes live

Step 4 — Loan is Active

💰 Borrower receives $ money instantly
⏳ Live timer appears on screen, updating every second
Colors shift from 🟢 → 🟡 → 🔴 as deadline approaches

Step 5 — Repay or Forfeit

/loan pay

Outcome	Result
✅ Repaid on time	$ transfers · Collateral returned · Credit +5
❌ Deadline missed	Collateral forfeited to Warehouse · Credit -20

📋 Commands

Command	Who	Description
`/banker buy`	Anyone	Purchase a Banker License
`/banker balance`	Anyone	Check your $ balance
`/banker warehouse`	Banker	Open private collateral vault
`/loan offer <player>`	Banker	Send a loan invitation
`/loan accept <banker>`	Borrower	Accept & open bargaining table
`/loan pay`	Borrower	Repay active loan via GUI
`/loan list`	Anyone	View all active loans
`/bankeradmin reload`	Admin	Reload config without restart
`/bankeradmin give <player>`	Admin	Grant license manually
`/bankeradmin revoke <player>`	Admin	Remove a banker's license

🔒 Permissions

Permission Node	Description
`pawnbanker.use`	Use basic plugin commands
`pawnbanker.admin`	Access admin & management commands

📊 Credit Score Tiers

Score	Rating	Meaning
150 – 200	🟢 Excellent	Highly trustworthy — safe to loan
100 – 149	🟡 Good	Reliable borrower
50 – 99	🟠 Fair	Lend with caution
0 – 49	🔴 Poor	High risk — avoid lending

⚙️ Configuration

yaml

license-cost: 10000000.0 # $ Cost to buy a Banker License

currency-name: "dollar" # Your server's currency name

timer-display: "ACTIONBAR" # ACTIONBAR / BOSSBAR / NONE

min-loan-duration-minutes: 5 # Shortest loan allowed

max-loan-duration-days: 14 # Longest loan allowed

credit-increase-on-repay: 5 # Credit gained on repayment

credit-decrease-on-default: 20 # Credit lost on default

📦 Compatibility


🎮 Minecraft Version	1.20.1
🖥️ Platform	Paper / Spigot
☕ Java Version	Java 17+
🔌 Vault	Optional (built-in economy included)
📦 Dependencies	None required

"The first plugin that makes Minecraft feel like a real economy." 🏆

Pawn Banker