Bank


Acid_Reign

 

Posted

Hiya, I have a question. I was wondering if it would be possible to have a bank to store our inf. I know when City of Villians was comming out the devs were working on a banking system but, never prevailed. I was hoping if we could have one when Going Rouge comes out. So we could store our Inf. between characters. As I see it we wouldn't have to store Inf. at the Black Market/ Wentworths or the Gleemail system. What do you guys think and I hope the devs take a look at this.


 

Posted

Suggestions forum is a bit further down the page.


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Posted

This would be better in the general suggestions forum.

However, I think the Devs are trying to get people to stop holding on to so much money, so making it easier to hold onto it would be counter productive.


"I do so love taking a nice, well thought out character and putting them through hell. It's like tossing a Faberge Egg onto the stage during a Gallagher concert." - me

@Palador / @Rabid Unicorn

 

Posted

Wait guys there is some merit to this idea if tweaked. They could create a global bank where you could store your influence, But to do so you would have to pay a recurring fee in Inf. They could even make us pay an inf charge for each alt that has access to the bank.

These fees would be a great way to add a new inf sinks to the game.


 

Posted

Quote:
Originally Posted by Forbin_Project View Post
Wait guys there is some merit to this idea if tweaked. They could create a global bank where you could store your influence, But to do so you would have to pay a recurring fee in Inf. They could even make us pay an inf charge for each alt that has access to the bank.

These fees would be a great way to add a new inf sinks to the game.
Interesting...very interesting...

But, would you run into the issue of not using the bank because you could use a "mule" toon(s) via emails and avoid the sink?

Yeah, I could see it as more convenient QoL not having to log the mule on and transfer, but if the sink is too small, then why have it vs. if too large then avoid it.

And where would the cap be?


 

Posted

Quote:
Originally Posted by PennyPA View Post
Interesting...very interesting...

But, would you run into the issue of not using the bank because you could use a "mule" toon(s) via emails and avoid the sink?

Yeah, I could see it as more convenient QoL not having to log the mule on and transfer, but if the sink is too small, then why have it vs. if too large then avoid it.

And where would the cap be?
I'm assuming that the draw of the bank would be that the amount that could be stored would far exceed what a mule can hold. People want a bank because they feel creating mules is a pain in the butt.

As t the fees I was thinking a million to buy access per character, and a monthly fee of 10% of the amount being stored.

Also makes sure there is a big warning in game that explains the fee and that it will be taken out each month regardless of whether or not the account is active.


 

Posted

Sure, I think those are reasonable. But that's just me.

Only thought that comes to mind is the monthly access shouldn't go below a certain point (like 50% of the max deposited - just tossing out a number here). This is in case some one goes inactive for a while and comes back with next to nothing.


 

Posted

Maybe just add it to SG vaults and have a pool of inf for anyone to give or take from.


 

Posted

Quote:
Originally Posted by PennyPA View Post
Sure, I think those are reasonable. But that's just me.

Only thought that comes to mind is the monthly access shouldn't go below a certain point (like 50% of the max deposited - just tossing out a number here). This is in case some one goes inactive for a while and comes back with next to nothing.
To be honest I have mixed feelings about that. On one hand I agree with you, but on the other I'm a huge fan of personal responsibility. That being said I'm willing to let the people more qualified than I am to make the final decision on how it would work.


 

Posted

Quote:
Originally Posted by Slope View Post
Maybe just add it to SG vaults and have a pool of inf for anyone to give or take from.
Only problem with that idea is the one that Star Trek Online has with the same issue. Bank Thieves. Every one that chips into an SG bank is going to want access to what they stored and it will be very easy to rip the whole SG off.

Then theres also the problem with an SG leader that suddenly decides to lock everyone out. The GMs have already stated that the SG and everything in it belongs to the person with the rank Super Leader. They won't get involved with internal disputes.

I think a private bank is the way to go.


 

Posted

Quote:
Originally Posted by Forbin_Project View Post
Only problem with that idea is the one that Star Trek Online has with the same issue. Bank Thieves. Every one that chips into an SG bank is going to want access to what they stored and it will be very easy to rip the whole SG off.

Then theres also the problem with an SG leader that suddenly decides to lock everyone out. The GMs have already stated that the SG and everything in it belongs to the person with the rank Super Leader. They won't get involved with internal disputes.

I think a private bank is the way to go.
And can you imagine how the prestige nazis would demand people deposit X amount of inf as well as earn Y prestige per week/month?


total kick to the gut

This is like having Ra's Al Ghul show up at your birthday party.

 

Posted

This wouldn't be SG bank but, for ones account. As for a cap i would have to say 500 billion to start but, 1 trillion so the devs wouldn't have to mess with around making the cap bigger.


 

Posted

It's funny, there are "guild banks" in other MMOs, and they've found ways to make it work... Even if there are private banks available, I'd still like to see a SuperGroup Bank, that can be managed by maybe a few individuals within the SG. Somewhere that higher characters can throw extra inf, saving up for things like hosting costume contests, signing bonuses, converting to prestige, or just giving to new characters to help them get started out enhancing.

And, while we're at it, why not have a recipe area in that bank? The whole "hoarding" argument that has been thrown up against hoarding of recipes is total bunk - the rampant ridiculous market prices for the too-rare drops is proof that the system is already broken. I can't count how many times I heard "the market will stabilize and prices will come down" over the years, and it's gone the exact opposite in most cases. Let us store rare recipes for the members of our SG that can use them, instead of forcing a "sell it for 300 million" mentality that just perpetuates the runaway market and completely leaves out all but the constant players who can afford them. Oh, and only serves to encourage normally honest players to consider using gold farmers.


 

Posted

Quote:
Originally Posted by Acid_Reign View Post
This wouldn't be SG bank but, for ones account. As for a cap i would have to say 500 billion to start but, 1 trillion so the devs wouldn't have to mess with around making the cap bigger.
I can say without a shadow of a doubt in my mind, that such a high limit simply would not happen.



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Posted

Unless the bank removed funds daily it would have to charge either per transaction or per character using it. Otherwise people would remove inf on the bill day so they didn't have to pay and then put it all back for a month.


 

Posted

Charge based on peak influence held over the month. If there are insufficient funds in the bank on charge day, any further deposits go toward paying back the deficit until there's a positive balance.


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Posted

Quote:
Originally Posted by CoinSpin View Post
It's funny, there are "guild banks" in other MMOs, and they've found ways to make it work... Even if there are private banks available, I'd still like to see a SuperGroup Bank, that can be managed by maybe a few individuals within the SG. Somewhere that higher characters can throw extra inf, saving up for things like hosting costume contests, signing bonuses, converting to prestige, or just giving to new characters to help them get started out enhancing.

And, while we're at it, why not have a recipe area in that bank? The whole "hoarding" argument that has been thrown up against hoarding of recipes is total bunk - the rampant ridiculous market prices for the too-rare drops is proof that the system is already broken. I can't count how many times I heard "the market will stabilize and prices will come down" over the years, and it's gone the exact opposite in most cases. Let us store rare recipes for the members of our SG that can use them, instead of forcing a "sell it for 300 million" mentality that just perpetuates the runaway market and completely leaves out all but the constant players who can afford them. Oh, and only serves to encourage normally honest players to consider using gold farmers.
The anti-hoarding argument is that hoarding would raise prices so I am not sure how that is bunk.

It's gone the exact opposite for reasons. Easier to get to 50, more inf earned at 50, merits added in the place of random recipes at the end of TFs and Trials, etc.

You can store the recipes in email and when someone wants them you could email it to them or for even more ease of use you could craft them and store them in the SG for people.

If this normally honest person is encouraged to break the rules I question their true integrity. And risking getting their account stolen or credit card number misused for stuff in the game seems to be a bit foolish.


total kick to the gut

This is like having Ra's Al Ghul show up at your birthday party.

 

Posted

If the casual gamer wants purples or PvP IOs he's going to have to stop being casual.


 

Posted

Quote:
Originally Posted by Rabid_Metroid View Post
This would be better in the general suggestions forum.

However, I think the Devs are trying to get people to stop holding on to so much money, so making it easier to hold onto it would be counter productive.
I'm not sure of this.

Right now, one of the reasons I tend to hold on to money is that I want to have $N available no matter which toon I'm logged in on. Because it's a hassle (with the long logout time) to swap inf from one toon to another. If I had a shared pool, I'd probably actually keep less total money around.


 

Posted

Quote:
I'd still like to see a SuperGroup Bank, that can be managed by maybe a few individuals within the SG
We've already pointed out the glaring flaws with the idea of an SG bank.

Quote:
signing bonuses
An SG that has to bribe people to join is a warning sign of a poorly run SG.

Quote:
converting to prestige
People rarely convert inf to prestige. No one is willing to throw away 1,000,000 inf for a lousy 2,000 prestige, unless someone like Fulmens (bless his heart) is willing to bribe them to do it.

Quote:
just giving to new characters to help them get started out enhancing
People that voice this argument make me wonder if they have ever actually played the game since I9 went live. Even casual players like myself make inf hand over fist in this game. Players can sell the 2 inspirations they get from the tutorial for 100k and that will provide them with enough inf to outfit their character with any enhancements they need in the beginning. Characters really start raking in the cash by selling their drops starting at level 5 and by level 10, they can easily have 1 million inf. As the character enters the teens he can start doing TF's for merits and choosing specific rewards that can be sold on the market for millions. They also have the option (from level 1) turning in AE tickets for rewards they can sell on the market.

Also at any time players can turn off their exp and just earn inf for as long as they want.

We also have the Email feature which allows players to send inf to their other characters, and when "Going Rogue" goes live we'll be able to send inf, recipes, and salvage to any character regardless of faction. Players will no longer be able to complain that their Villains can't afford to buy things.

Quote:
the rampant ridiculous market prices for the too-rare drops is proof that the system is already broken.
That's working as intended. It's called Supply and Demand. When the demand for a product exceeds the available supply the prices go up. They teach this in high school.

Quote:
Let us store rare recipes for the members of our SG that can use them, instead of forcing a "sell it for 300 million"
This feature already exists in the game. It's called the Enhancement Storage Table.



All you have to do is craft the recipe and place the resulting enhancement in storage for another member of the SG to use. No one is being forced to sell anything if they don't want to do it.

Also by crafting the recipes you will be helping the economy by removing influence from the market. Crafting is an inf sink.

Quote:
only serves to encourage normally honest players to consider using gold farmers
Sorry Swellguy is right. A person that chooses to do something they know is breaking the rules isn't honest to begin with. There isn't any moral dilemma in this situation. It's a game. There's nothing on the market that they can't play the game without.

The market is optional. No one has to use it.
Invention Origin enhancements are optional. No one needs them to play the game.