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Batuka
International Unification Interstellar Defence Force
35
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Posted - 2014.03.27 15:09:00 -
[1] - Quote
hello, i was unsure and tried to find the correct channel to find but never could i have an idea that i feel is a very old scam but i want to try and make it a successful venture and i believe it will open EVE up to a wider audience. i want to try and organize a banking system, this system is hard to do in eve currently because of all the scams (which are sometimes funny and sometimes interesting) i believe to avoid this bank being called a scam some new game mechanics need to be put in place, one of these mechanics is the ability to have an agreement system so to withdraw corporate funds u need to vote on it, (unless the market is being used). this will work easily and well as you can deposit ISK into this bank and know it is safe through game mechanics, therefore you are not being scammed. for a bank to work you need to make money, now this can be done through trade, so similarly to the market ATM u introduce buy orders, although these buy orders are buy a bank (Non NPC or half NPC ) the non NPC players that are employed by the bank then are given roles in the bank similar to a RL bank, this bank would then have people who are in-charge of accepting deposits, it will have people on the withdraw system and it will also have people in-charge of profiting for the company (loans), everyone knows in eve the problems that are caused by negative wallet balance, now if their was an eve bank this problem would prevent people from stealing ISK. either they can put a deposit down (such as a character) that is valued at a set rate (this then implements a proper value for characters rather than the current system of guessing or random maths equations. so a loan would work like this, you request a loan and either show them collateral with an item in game such as PLEX (increase PLEX market more and stabilize it) or you can offer your character up as collateral, now you are probably thinking but then they have no toon and no ISK. this is not how it works instead their is an agreement similar to the Dual agreement but this one can only be used by the banks. so it works so u keep the toon for the period u have the loan (1 month 2 months 3 month loans) if you are unable to pay the loan of in this time then you get a warning for 1 week in which the interest rate is increasing each day, if they still have not payed then the character is then transferred onto a holding account for the bank to then resell or return when the player has got the ISK (down to discretion of the managers) this means that everyone has collateral, apart from the bank mangers who are in control of the ISK? no this is not the case as you setup a contract in-game to link the character into the bank so it is unable to withdraw money without one other person agreeing and if it is large amounts (over 10b) then it requires and additional person for every 10B So Say 30 b is being withdrawn from the bank it requires the two normal people for 10 b to be withdrawn and then an additional 2 people to make it to 30 b, therefore less than 10 b can be stolen at one time. which when you think about it would be hard to do and noticeable especially if u have accountants monitoring the corp wallet with the ability to freeze all transactions if they notice money is disappearing until the solution is found. in addition to this all the managers and accountants have to vote on a new employee joining. i know that CCP dislike becoming involved in the game economics too much but i feel this is a good idea with a bank operating similar to Real life, it also allows for newer players to get that additional 100-200 m they need and older players who are going on a break to deposit ISK safely and not loose value for the time that they are away. additionally the bank can have a set of traders who work for the bank to encourage the banks funds to grow.
Any more ideas would be awesome but i want CCP to try and implement something similar to this as it stabilizes an economy a little, and no this isnt due to the plex price problem i am writing this so yeah anyway i know i will get trolls and abuse but any good stuff would be cool |
Ramona McCandless
The McCandless Clan Turing Tested
2649
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Posted - 2014.03.27 15:15:00 -
[2] - Quote
Batuka wrote:i have an idea that i feel is a very old scam but i want to try and make it a successful venture So... is it a scam you are wanting to run?
Batuka wrote:i believe to avoid this bank being called a scam some new game mechanics need to be put in place Still not sure.
Batuka wrote: it is safe through game mechanics, therefore you are not being scammed. Phew, ok, its legit.
Batuka wrote:a bank operating similar to Real life Oh. So yeah a scam lol.
Only j/k
But I dont really think many people want anything to do with banks these days. At least not in their leisure time. *** Vote MTU For CSM *** "They feel the need to cover their ears and eyes in horror at your very presence." - Pontianak Sythaeryn Omnis nomiom nom nom nomi |
Batuka
International Unification Interstellar Defence Force
35
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Posted - 2014.03.27 15:23:00 -
[3] - Quote
i understand what you are saying but it means that the eve economy is under control then slightly it also gives newer players a chance to catch up and can allow for more players and it opens the economy to proper control rather than being influenced by a few big trades (which some items are done) im not moaning at anything currently i love the game just an idea though |
Ramona McCandless
The McCandless Clan Turing Tested
2651
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Posted - 2014.03.27 15:43:00 -
[4] - Quote
Batuka wrote:i understand what you are saying but it means that the eve economy is under control then slightly it also gives newer players a chance to catch up and can allow for more players and it opens the economy to proper control rather than being influenced by a few big trades (which some items are done) im not moaning at anything currently i love the game just an idea though
I do see your idea, but Im not sure what you mean by proper control of the economy. *** Vote MTU For CSM *** "They feel the need to cover their ears and eyes in horror at your very presence." - Pontianak Sythaeryn "Facebook would never tolerate that behaviour we are talking about" - Big Lynx |
Organic Lager
Devils Diciples League of Infamy
26
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Posted - 2014.03.27 16:00:00 -
[5] - Quote
I understand what you're going for and I do see how players would want to take a loan for legit reasons.
Problem is your complex wall of text makes your idea very hard to understand.
Here's an easier idea, Allow "loans"' with an interest rate via the contracts systems. Allow players to look up other players loan history, like a credit report. Sure it's wide open for scams but what isn't this is eve. |
Batuka
International Unification Interstellar Defence Force
35
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Posted - 2014.03.27 16:05:00 -
[6] - Quote
Organic Lager wrote:I understand what you're going for and I do see how players would want to take a loan for legit reasons.
Problem is your complex wall of text makes your idea very hard to understand.
Here's an easier idea, Allow "loans"' with an interest rate via the contracts systems. Allow players to look up other players loan history, like a credit report. Sure it's wide open for scams but what isn't this is eve.
the problem with this is then peopel who dont have colateral cant get a loan whislt with my system you can put your character up as colateral
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Ramona McCandless
The McCandless Clan Turing Tested
2651
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Posted - 2014.03.27 16:07:00 -
[7] - Quote
Batuka wrote: with my system you can put your character up as colateral
Im not sure CCP would like the sound of that *** Vote MTU For CSM *** "They feel the need to cover their ears and eyes in horror at your very presence." - Pontianak Sythaeryn "Facebook would never tolerate that behaviour we are talking about" - Big Lynx |
Batuka
International Unification Interstellar Defence Force
35
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Posted - 2014.03.27 16:11:00 -
[8] - Quote
Ramona McCandless wrote:Batuka wrote: with my system you can put your character up as colateral
Im not sure CCP would like the sound of that
but i dont understand why osme people have problems with gaining items or requier the items they have, therefore if u could put colateral up then it is able to give the character market a proper value
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Ramona McCandless
The McCandless Clan Turing Tested
2651
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Posted - 2014.03.27 16:13:00 -
[9] - Quote
Batuka wrote:Ramona McCandless wrote:Batuka wrote: with my system you can put your character up as colateral
Im not sure CCP would like the sound of that but i dont understand why osme people have problems with gaining items or requier the items they have, therefore if u could put colateral up then it is able to give the character market a proper value
Well, they only like character transfers as part of their bizairre system (spelling intentional).
Also, how would you enforce it? As in, how would you repossess a character? *** Vote MTU For CSM *** "They feel the need to cover their ears and eyes in horror at your very presence." - Pontianak Sythaeryn "Facebook would never tolerate that behaviour we are talking about" - Big Lynx |
Batuka
International Unification Interstellar Defence Force
35
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Posted - 2014.03.27 16:18:00 -
[10] - Quote
Ramona McCandless wrote:Batuka wrote:Ramona McCandless wrote:Batuka wrote: with my system you can put your character up as colateral
Im not sure CCP would like the sound of that but i dont understand why osme people have problems with gaining items or requier the items they have, therefore if u could put colateral up then it is able to give the character market a proper value Well, they only like character transfers as part of their bizairre system (spelling intentional). Also, how would you enforce it? As in, how would you repossess a character?
i did state this that is why the bank system is their as they will be the on;ly people to accept them as colateral then all loans cna be done through banks and their is an agrement similar to the dual request agrement |
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Bethan Le Troix
Krusual Investigation Agency
95
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Posted - 2014.03.27 16:20:00 -
[11] - Quote
The only good bank is Bank of Dave but they don't want any more money. |
Organic Lager
Devils Diciples League of Infamy
26
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Posted - 2014.03.27 17:01:00 -
[12] - Quote
Batuka wrote:Organic Lager wrote:I understand what you're going for and I do see how players would want to take a loan for legit reasons.
Problem is your complex wall of text makes your idea very hard to understand.
Here's an easier idea, Allow "loans"' with an interest rate via the contracts systems. Allow players to look up other players loan history, like a credit report. Sure it's wide open for scams but what isn't this is eve. the problem with this is then peopel who dont have colateral cant get a loan whislt with my system you can put your character up as colateral
Your collateral is your word and reputation. Much like our current banking system it is something that is earned through time.
If you really want some accountability add in wage garnishment, around 5-10% of every positive transaction until the debtor is paid in full. You would need to set a cap on accumulated interest to prevent insurmountable debts from forming (eg. Double the amount owed).
I think the character collateral idea is a horrible. It's one thing to con someone out of isk but their entire character is a totally different animal. |
Serene Repose
1183
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Posted - 2014.03.27 18:16:00 -
[13] - Quote
Aside from the fact a bank hasn't much use in EVE, since we have "wallets" which are essentially personal banks:
Banks and a stock exchange won't work in EVE as there is no governmental regulation. Robbing, scamming, embezzling banks or stock exchanges have no repercussion. Invariably, when the kitty gets big enough, someone runs off with it to a chorus of cheers from the EVE community and CCP.
If someone could be penalized for crime in a significant way, rather than the rather pansy criminal flags, then financial crime wouldn't be so inviting. Say, if you got a 10 year confinement to T1 frigates while your name is broadcast as the one to kill for stealing "all our money." Okay. So you'd de-rez that toon. CCP could still re-appropriate your ISK, though it might be difficult to ensure it makes it back to all the owners...crime doesn't pay.
Since that day will never come, any time you see "bank, investment," or "stock," interpret it to mean "ripoff." I have sworn upon the altar of God eternal hostility toward every form of tyranny over the mind of man.-á |
Noxisia Arkana
Deadspace Knights
269
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Posted - 2014.03.27 18:44:00 -
[14] - Quote
Yikes, characters themselves being able to be 'repo'd' is a little much.
If you could view someones 'credit' history something similar to an API that the player could choose to release then it at least allows for some control, while allowing people to build up credit and then rip somone off... the sword can't swing only one way.
Banks take a risk when they loan you money, they may get nothing or very little. If the person's venture legitimately fails you shouldn't have to lose your character too. |
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