Akeirah
Pixel Universe Brokerage Services
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Posted - 2012.03.18 09:22:00 -
[1] - Quote
The fundamental problem remains, even above and beyond inflation, that with any system that is developed it will require some form of trust. It has been shown many times that characters that are trusted, or at least well known enough we think we can trust them, can still be corrupt. No single character should be trusted with a large sum of ISK, as so many things could happen and it all becomes lost.
The best solution, barring any additional improvements or intervention from CCP, would be to have a large group to hold on to the isk, so that no one player has control of a great amount of ISK at any single time. This network of characters holding the ISK, though, would make it more difficult to make investments that would help the interest rate. Even with this method, there are limited ways of making sure that one person does not have multiple alts in this group, giving him or her control of a large amount of ISK regardless.
It will be nearly impossible to create a loan system without collateral, as there is nothing that would require a character to pay back the ISK. A good solution would be to reduce the amount of collateral needed to loan based on the number, amount, or length of time for loans that a player has paid back on time. First loan would be for something like 85% of the collateral being offered, and with a proven payment record (and not one or two) the could eventually be increased in increments up to 125% to 150% of the offered collateral. This system is of course not completely secure, but is definitely a way to weed out some of the scammers.
If there are to be multiple banks working similar methods, a cooperation of sorts would be needed, if nothing other than a shared blacklist of characters that have run off with loans or bank funds, and IP addresses of those who took bank funds as well. Neither of these is entirely secure, but it does provide some matter of security.
Kouryusei wrote: I'd be willing to talk with some respected players to bring this to fruition, and I'm willing to put a large sum of real-life money in escrow (or convert it directly in to a large quantity of PLEX and therefore ISK) to insure against losses (in return for equity of the overall business). Though, who could be trusted to deal with high -úX,XXX to low -úXXX,XXX of my money? I'd be looking for some real-life contracts in this regard, and a third-party escrow service between myself and the other party.
In theory something like this could work, but it would be very close to RMT unless you are gaining ISK and ISK only from this venture. I would not see an issue with having the escrow as -ú, with the stipulation that it be turned to PLEX's if it is ever needed, but I do not see it going over well if you received -ú in return for the investment. You would be rather safe in your -ú investment with a well written RL contract with the person or persons in charge of this venture as you suggested. The issue with that is once again you may have to receive ISK/PLEX in compensation, as it also brushes the RMT line. I say this because:
I make a contract with you. I run off with 2 trillion ISK. -úXX,XXX is converted to PLEX to pay back the investors. I would then owe you -úXX,XXX in exchange for the ISK I run off with.
It could be possible with special exceptions from CCP, or just taking the ban that would follow if they did deem this as RMT. |