Economy

Coin, banking, wages, shops, selling and the Auction House.

Rogue uses four coin denominations. You can carry money or keep it in the bank, and it changes hands through wages, shops, auctions and trade between players. Carried coin weighs nothing. Moving coin in and out of the bank is a transfer, not income, and is never taxed.

Most coin comes from paid work, trade and property. Hunting and selling what you find pay much less. The tables below list the sources.

Earning coin#

These pay little by design:

When the Fat Purses world event is running, wages are doubled.

Coin#

There are four coins, and everything is priced in copper.

Ten copper make a silver, ten silver a gold, and ten gold a platinum.

money lists the coins you are carrying. wealth shows carried and banked coin together, with your ectoplasm, quest points and Bravery. value lists what the loose things in your pack are worth, with a total; in a shop, value <item> asks the shopkeeper what that shop would pay. score does not show coin.

Banks#

Every character has one account at the Golden Jackal Bank, and the balance is the same at every banker. Vaelis Shorequill keeps the counter at the Pearlvault in Aurin, and Gaius the Treasurer keeps one in Olympus.

Opening an account is free. There are no fees, no minimum balance, no ceiling and no interest. Wages you have not collected by Sunday are paid into your account.

The Pearlvault also keeps items. A vault holds twenty things to begin with. The Explorer's Guild pays for yours during Master Toren's chapters; anyone else can buy one from Vaelis for a hundred platinum with vault buy. vault expand adds ten places at a time, up to fifty, for 100, 150 and then 200 platinum. vault lists what is stored, vault store <item> puts something in and vault withdraw <number> takes it out, and those work anywhere; only buying and expanding need a banker. Worn and wielded things must be removed first, and things bound to you cannot be stored.

Large purchases take carried coin first and the rest from your bank. Ships, homes, farms and their upkeep all work this way.

Vaelis keeps the Pearlvault open at every hour. Most other service people keep hours on the game clock, where fifteen real minutes make one game hour.

Tax#

Payroll withholds 10% of wages. A monthly levy on other earnings exists but is switched off by default. Deposits, withdrawals, repaid loans and refunds are never counted as earnings, and wages are not taxed twice.

tax shows your statement, tax history your past assessments, and tax pay <amount> pays any tax debt from your bank. Looking at a statement never collects anything. economy shows what your account has earned over the past year.

Shops#

Shopkeepers across the realms each deal in their own kind of goods.

list shows the stock and how many of each thing the shop holds, sorted by name. Change comes back in the fewest coins.

sell all never sells a bag or anything inside one, so a thing in a bag is safe from it. It also passes over anything you have set aside with keep <item>, which shows as (kept) in your inventory. A vendor will not take a kept item even when you name it, and neither will a fence; drop all and give all leave it with you too. keep all <item> keeps every one of a thing you carry, such as bat wings you are saving for a collector. To sell a bag, empty it and sell it by name.

settings sell summary reports a sale of several things in one sentence; settings sell list goes back to a line for each.

Prices#

A shop pays very little for anything you find. value shows what a thing is worth; a shop pays a small part of that.

• Buying costs the full list price at Charisma 10, falling to 92% of it at Charisma 50. Below Charisma 10 you pay more.
• Selling pays 0.5% of a thing's value at Charisma 10, rising to 0.75% at Charisma 50, and never more than 1 gold for any one thing. A trophy fetches a fifth of that. Everything fetches at least a copper.
• A fishmonger pays 0.4% of a fish's value at Charisma 10, rising to 0.7% at Charisma 50, with no ceiling, so the rarest catches fetch several platinum.
• A fence pays 2% for stolen goods, which no other shop takes, up to 5 gold a thing, and the thieves' guild takes four parts in ten of that.

When Apothecary's Bargain is running, potions bought in Aurin cost half.

What cannot be sold#

Shopkeepers refuse some things:

• Loot from a trivial kill. If the highest level player fighting a creature was 10 or more levels above it, its set loot is marked worthless, it drops no coin and it gives no world drop.
• Soulbound things, class items such as guild insignia and bardic instruments, and other bound gear.
• Anything worn or wielded. Remove it first.
• Goods the shop does not deal in. A weaponsmith will not take your herbs.

You cannot sell while hiding.

Shop hours#

Shops open and close on the game clock, and a closed shopkeeper is not in the shop. Most general shops open from about 7 or 8 in the morning until 18 or 19, taverns from 6 until midnight, and specialists vary. A full game day passes in six real hours.

Repairs#

Gear wears with use, but for now wear has no effect on how a piece fights or protects, and Wenna Burrfile, the mender in the Mender's Workshop off Merchant Way, has closed her bench. A merchant can still mend your gear at the workshop's bench with mend <item> for <you>. The list fee is 6 gold a piece, and a merchant may ask up to 20 gold; tariff shows today's figures. See durability.

Ships are repaired at a dock with repair, at 1 platinum for every 5% of missing hull, rounded up. The fee comes from your bank, not your purse.

Auctions#

The Auction House is east off Tidegold Row in Aurin. Only merchants can list goods there. Other classes sell through a merchant, who uses broker once the owner has agreed the terms. Every class can bid, buy, withdraw its own lot and collect goods.

The auction channel#

The auction channel calls one lot at a time across the realm, and up to five more wait in line. You may have one lot up or waiting. Bids are paid from coin in your Golden Jackal account. An outbid player's coin goes back, and the winner collects the goods at the Auction House.

Prices can be written as 5000, 5,000, 5k, 2.5k or 50 gold. Worn, wielded and kept things, bags with something in them, and anything that cannot be sold cannot go up.

At the default rates a client's sale pays 10% to the merchant, 25% to the house and 65% to the client. A 100,000 copper sale pays 10,000 commission, 25,000 to the house and 65,000 into the client's bank. Both come out of the final price, and the buyer pays nothing on top. A merchant selling their own goods keeps 75%. Unsold and withdrawn goods pay no fees. Commission earned while a merchant is offline waits for their next login. The terms are fixed when a lot is listed. tariff auctions shows today's rates.

The first bid must meet the opening price, and each later bid must beat the last by at least 5%. Nobody may bid on a lot from their own account or their broker's. A fresh lot is called after 45 seconds, then 20 seconds after each new bid, with ten seconds between the later calls. A restart returns the goods and refunds held bids.

The merchants' old marketplace is closed. Goods returned from it can still be collected at the Auction House.

Live auctions#

A merchant can also run a live outcry with gavel, on the guild's auction floor off Merchant Way. Only people in the room can bid, with bid <amount>. Each bid is taken from the bidder's bank as it is made and returned the moment someone bids higher. Bids can be written plainly, with commas, or in a named coin, so 10000, 10,000 and 500 gold all work.

The first bid must meet the opening price, and each later bid must beat the last by at least 5%. When the merchant calls the lot, going once and going twice follow six seconds apart; a new bid stops the calls, and the merchant calls again. When the hammer falls the goods go to the winner. Every lot pays a hammer fee out of the price: on a client's goods the client agrees to it first, and it is split between the merchant and the house; on the merchant's own goods only the house's half is taken.

The merchant and the owner of the goods must both stay in the room. If either leaves, the lot is called off and every bid goes back. A restart refunds every held bid. Bound and undroppable things cannot be put up.

Other ways to move money#

• Stalls and shopfronts. A merchant can raise a market stall with stall raise on a market pitch (Merchant Way, the Aurin docks, the Dawnhollow market or the Warfleet docks), stock and price it. Buyers use the ordinary list, inspect and buy. The stall trades while its merchant is anywhere in that market; if they leave and stay away, it is packed up and the goods and takings return to them. A merchant can also lease one of the four shopfronts on Shopfront Row, through the arcade east off Merchant Way, with shopfront; it trades while they are away, for a weekly rent.
• Loans. A merchant can lend coin at an agreed rate for 1 to 90 days. The borrower pays it back with repay <number> [amount], from purse then bank, and papers lists their loans. A loan unpaid past its date takes a late charge, and the guild then draws what is owed from the borrower's bank and purse until it is paid.
• Tithing. tithe <amount> to <religion> gives that many copper to a faith.
• Giving. You can hand coin to another player in the same room, as in give 50 gold to <name>. Gathered resources move with trade instead; see gathering.

Using a merchant#

Merchants of the guild sell, lend, hold, insure and build for other players; Merchant lists their skills. This section is what those services look like from the customer's side.

When a merchant offers you a sale or a service, nothing is paid until you agree: accept offer within a minute takes the deal. Things sent to you while you are away wait in your box at the Aurin Post Office, and collect parcels at the counter there hands them over. refuse at the post office sends back a parcel you do not want.

Papers at the notary's desk#

papers lists everything the notary's register holds in your name: contracts you signed, escrows you are party to, loans you owe, pawns, insurance policies, letters of credit you bought and parcels waiting for you. Each has a number, and papers <number> reads one back.

Boards anyone can use#

These boards are open to every player, whether or not a merchant is about.

You cannot fill or take your own order on the Exchange or the work order board, nor one held by another of your characters.

Services in your name#

A merchant can also insure a ship or a caravan with underwrite; a claim pays the real loss, never more than the cover. papers lists your policies.

What things cost#

The largest purchases, for reference:

These are list prices, which the Guild Tariff can change; tariff shows the current figures. A neighborhood home costs nothing. Land Office homes and farms carry daily upkeep. See housing for what the money buys and what happens when upkeep goes unpaid.

Gaining a level costs experience only, never coin.

Related#

• Gathering
• Crafting
• Durability
• Housing
• Progression
• Quests