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Thrasymachus TheSophist
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Posted - 2010.04.01 17:16:00 -
[1]
In real life, if someone pledges you an asset as security, you can file a certificate with a central authority telling the world that you have rights to the asset. In the US, these are called UCC-1s.
I think implementing a similar system in EVE would open up many possibilities. You could have, for example, a tab on each individual asset that would list, by priority, who had an interest in that asset, and the extent (ISK amount) of the interest secured.
This would permit the use of almost any asset as collateral with protection for the creditor in that their interest in the asset would follow the asset - even if transferred, sold, etc. This would permit far more complicated and interesting loan arrangements and general contractual obligations. It would even permit NPC Banks to exist.
2 wrinkles: (1) Presumably this would be a server hit; (2) What to do in the case that the secured asset is destroyed.
Wrinkle 1 may make the idea impossible. Wrinkle 2 coudl be addressed creatively - e.g. the creditor is issued a certificate in the value of the amount secured as substitute security (e.g. an IOU). That certificate is then a tradeable good - and could be cashed in with the Market (where if the debtor has goods they might be automagically transferred to the Certificate holder), or if they put in NPC banks it could be levied against any savings in the bank, or perhaps if a certain number of attempts are made to cash it in legit but they fail, it grants kill rights.
The underlying idea is to create a more enforceable obligation using collateral.
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Grarr Dexx
Amarr GK inc. Panda Team
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Posted - 2010.04.01 17:38:00 -
[2]
Eve isn't real life. ___
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Thrasymachus TheSophist
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Posted - 2010.04.01 17:41:00 -
[3]
Originally by: Grarr Dexx Eve isn't real life.
Such insight! Thanks for your contribution!
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Fel Wrath
Amarr Unquestionable Power
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Posted - 2010.04.01 19:50:00 -
[4]
It would require a monumental database schema overhaul to support it.
Another issue is any items with said interests would no longer be stackable.
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Thrasymachus TheSophist
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Posted - 2010.04.02 21:46:00 -
[5]
Originally by: Fel Wrath It would require a monumental database schema overhaul to support it.
Another issue is any items with said interests would no longer be stackable.
I don't know if it would or wouldn't require a monumental DB overhaul. I simply have no idea.
As for stackable items - that's a fair point and one I hadn't considered. Whether there is a creative way around it, I don't know.
But I still think that finding some way to improve the collateral system would be a real boon and would permit the economy to grow in incredibly complex ways.
The game's economy really is alot like real life - look at real life financial tools and economic systems. They're there for a reason. They let you do things. Identifying what they let you do and applying to EVE is a great way to consider what types of tools/systems EVE could use to improve its own economy.
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