Prosperity SMP Wiki - User contributions [en]

Banking

2026-06-11T09:32:34Z

Maintenance script: Taxes on bank money: CGT at source; flex savings counts toward wealth tax from June 18; bonds/stocks exempt

{{Notice|The Central Bank is '''not yet open'''. Savings, bonds, and stocks are installed on the server and will be enabled after final testing. This page describes how the bank will work and the account terms that apply from your first deposit.}}

Bank news - daily market closes, the weekly bank summary, and any rate changes - is posted to the Discord <code>#market-news</code> channel.

The '''Central Bank''' is the server's savings bank. It offers three products: '''flexible savings''' (deposit and withdraw any time), '''7-day bonds''' (locked for a week at a higher rate), and '''stocks''' (the Prosperity Index - the highest long-run returns, with real down weeks). Money in the bank earns weekly returns and still counts toward your net worth. Rates are scaled to server time: one real month is one in-game year, so a good "annual" return arrives in about four real weeks.

== Products ==
{| class="wikitable"
|-
! Product !! Base rate !! Risk !! Liquidity
|-
| Flexible savings || 1% per week || None || Deposit and withdraw any time
|-
| 7-day bond || 1.5% per week, locked in when you buy || None || Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty
|-
| Stocks (Prosperity Index) || Volatile — big bull runs and real crashes (the market moves every hour) || Can lose value fast in a downturn || Buy and sell any time
|}

* '''Rates are paid in full each week.''' The interest pool is funded by taxes and penalties, with the Treasury covering any difference. Bond rates are locked at purchase; flexible rates can change for future weeks.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra.
* The full rate applies to your entire balance - there are no balance caps.
* Minimum deposit: '''$50'''. One bond at a time per player, from $50 up - no maximum.
* '''Capital gains tax:''' bond interest pays net of a '''10%''' tax, and realized stock gains are taxed '''15%''' when you sell. Your deposits and principal are never taxed. Tax proceeds flow back into the bank's interest pool.
* When a bond matures, the principal plus interest is credited automatically to your flexible savings - or, with '''auto-renew''' on (<code>/bond autorenew</code>), it locks straight into a fresh 7-day bond at the then-current rate, compounding week over week.

=== High-yield tiers ===
Large accounts earn '''multiplied rates''' on savings and bonds. Your tier is set by your total account balance - flexible savings, bond, and stocks combined. It applies to weekly savings interest and to the rate locked into new or auto-renewed bonds.

{| class="wikitable"
|-
! Tier !! Total account balance !! Rate multiplier !! Flexible !! Bond
|-
| Standard || under $50,000 || 1× || 1%/week || 1.5%/week
|-
| High-Yield || $50,000+ || 4× || 4%/week || 6%/week
|-
| Private Reserve || $150,000+ || 8× || 8%/week || 12%/week
|}

Tiers apply to savings and bonds only — '''the stock market is the same for everyone''', whatever your balance.

Check your tier with <code>/savings balance</code>.

== Using the bank ==
{| class="wikitable"
|-
! Command !! Description
|-
| <code>/savings</code> || Open the bank menu (works on Bedrock)
|-
| <code>/savings deposit <amount></code> || Deposit cash into flexible savings
|-
| <code>/savings withdraw <amount></code> || Withdraw back to your wallet
|-
| <code>/savings balance</code> || Check your savings and bond
|-
| <code>/bond buy <amount></code> || Buy a 7-day bond at the current locked rate
|-
| <code>/bond status</code> || See your bond's maturity time and projected interest
|-
| <code>/bond autorenew</code> || Toggle automatic renewal at maturity (compounds)
|-
| <code>/bond claim</code> || Exit a bond early (forfeits interest, charges a penalty; you confirm first)
|-
| <code>/stocks invest <amount></code> || Buy into the Prosperity Index
|-
| <code>/stocks sell <amount|all></code> || Sell back to your wallet at the current value
|-
| <code>/stocks status</code> || Your position and last week's market close
|}

=== Stocks ===
The Prosperity Index moves '''every hour''' - the same move for every investor, with days that can swing several percent in either direction. The official '''daily close''' (the net of the day's hourly moves) is posted to Discord at 4 AM and shown in <code>/stocks status</code> alongside the live day-so-far number; the week's net move is announced in chat at the weekly close. The market runs hot and cold: bull runs can stack double-digit weekly gains, and corrections or crashes can wipe gains back out just as fast. Over the long run the index is built to grow with the server's economy.

=== Reading the market (beginner tips) ===
You don't need spreadsheets to do well here. <code>/stocks</code> shows the index level, a 24-hour mini-chart, the last seven daily closes, and any current streak — and the daily close posts to Discord every morning. A few patterns cover most of what matters:

* '''Streaks are real.''' Several green closes in a row usually means a run — riding it has been profitable. Runs always end eventually, so take some profit on the way up.
* '''Crashes happen.''' A violent red day is often followed by more rough days. Stepping out for a day or two after a big drop — or buying the recovery once it stabilizes — are both real strategies.
* '''Buying the dip beats panic-selling the bottom.''' The players who lose the most buy the top of a run and sell the bottom of a crash. Over the long run the index grows with the server.
* '''Never invest money you need tomorrow.''' Rent, food, and gear come first; invest what's left.

Full price charts are coming to the [https://economy.prosperitysmp.com economy website], where classic chart patterns (double bottoms, breakouts, and the like) will actually be visible — the skills you learn reading them work the same way here as in real markets. There is no lock and no penalty: buy in or sell out whenever you like. New money rides from the '''next''' hourly move, so there are no free instant gains. Positions can shrink hard on a bad day - never invest cash you cannot afford to see dip.

Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.

== Account terms ==

By making your first deposit, you agree to the terms below. They exist to keep the bank fair and safe for everyone.

=== 1. Your savings are yours ===
Money you deposit stays yours. Flexible savings can be withdrawn at any time. Bond principal is returned when the bond matures (or earlier, with a penalty). The bank does not charge fees to hold your money, and there are no inactivity fees - your savings remain yours for as long as you have an account.

=== 2. Interest ===
Savings and bonds earn interest, paid out weekly.

* '''Rates are paid in full.''' The rate shown in <code>/savings</code> is what you receive, funded by the bank's interest pool (taxes, penalties, and Treasury top-ups).
* '''Bond rates are locked when you buy the bond''' and are honored for the bond's full term. Interest is paid net of the 10% capital gains tax.
* '''Flexible savings rates can change for future weeks.''' We will never reduce interest you have already been paid; changes only affect future periods.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra - money has to actually sit in the account.

=== 3. Bonds ===
* A bond locks your money for its full term (currently '''7 days''') at a fixed rate.
* When it matures, your principal plus interest is credited to your flexible savings.
* '''Ending a bond early''' forfeits all of its interest and charges a small principal penalty. You will always be shown the penalty and asked to confirm before an early exit goes through.
* Bonds set to '''auto-renew''' roll the principal plus paid interest into a new bond at the then-current rate. You can toggle auto-renew at any time before maturity.

=== 3b. Stocks ===
* Stock positions are revalued hourly by the shared market move - the same percentage for every investor. '''Values go down as well as up''' - a down day reduces your position, and that reduction is final.
* The market is designed to trend upward with the server economy over the long run, but no specific week or return is guaranteed.
* There is no lock-in: you can sell any part of your position at its current value at any time.
* '''Realized gains are taxed 15% at sale''', measured against what you originally paid in. Selling at or below your cost basis is never taxed.

=== 4. Exploited, duplicated, or mistakenly-credited money ===
The Central Bank runs on a real, tracked economy. To keep it fair:

* '''Money gained from a bug, glitch, duplication, lag, or a system/admin error is not a valid balance.''' Staff may remove or reverse it at any time - even if it has already been spent, traded, moved, or saved into the bank.
* '''If your balance changes in a way you cannot explain''' - a sudden jump, a payment that ran twice, a deposit or interest amount that looks wrong - '''tell staff right away.''' Quietly keeping or moving money you know is bugged is treated as abuse of the economy.
* '''Do not exploit, and do not help others exploit.''' Doing so can mean a rollback of the gains, removal from economy systems, and - depending on severity - a ban.
* '''Honest reporters are rewarded, not punished.''' Find a real bug and report it instead of abusing it and you may earn a bug bounty (past finders have earned cash and crates). Reporting in good faith will never get you in trouble.

=== 5. Account security ===
To protect the bank and its savers, staff may:

* '''Recover money credited in error''' to your account, as described in section 4.
* '''Temporarily freeze an account''' that shows suspicious activity, while it is reviewed. A frozen account can still be viewed; deposits and withdrawals are paused until the review clears.
* '''Review or limit unusually large withdrawals''' for security. Normal saving and withdrawing should not be affected unless a security review or a temporary bank pause is active.

=== 6. Fair use ===
* '''One Central Bank account per player.''' Using alternate accounts to farm interest or get around limits is abuse of the economy and is handled under section 4.

=== 7. Changes to these terms ===
We may update these terms as the bank grows. Material changes will be announced. Continuing to use your account after a change means you accept the updated terms.

''Questions about your account? Ask staff - we're happy to help.''

== Taxes on bank money ==
* '''Interest and gains are taxed at source''' — 10% on bond interest and 15% on realized stock gains, withheld automatically when you're paid. Your deposits and principal are never taxed.
* '''Wealth tax:''' from '''June 18''', money in your flexible savings account counts toward the wealth-tax bracket exactly like wallet cash (it's instant-access money). '''Bonds and stocks do not count''' — invested money is taxed on its gains, not for being held.
* The wealth tax is only ever charged from wallet cash — nothing is ever force-sold.

== See also ==
* [[Economy]] - server economy overview
* [[Commands]] - full command reference
* [[Server rules]] - general conduct rules

[[Category:Economy]]

Banking

2026-06-11T08:45:48Z

Maintenance script: Stocks: beginner market-reading tips section

{{Notice|The Central Bank is '''not yet open'''. Savings, bonds, and stocks are installed on the server and will be enabled after final testing. This page describes how the bank will work and the account terms that apply from your first deposit.}}

Bank news - daily market closes, the weekly bank summary, and any rate changes - is posted to the Discord <code>#market-news</code> channel.

The '''Central Bank''' is the server's savings bank. It offers three products: '''flexible savings''' (deposit and withdraw any time), '''7-day bonds''' (locked for a week at a higher rate), and '''stocks''' (the Prosperity Index - the highest long-run returns, with real down weeks). Money in the bank earns weekly returns and still counts toward your net worth. Rates are scaled to server time: one real month is one in-game year, so a good "annual" return arrives in about four real weeks.

== Products ==
{| class="wikitable"
|-
! Product !! Base rate !! Risk !! Liquidity
|-
| Flexible savings || 1% per week || None || Deposit and withdraw any time
|-
| 7-day bond || 1.5% per week, locked in when you buy || None || Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty
|-
| Stocks (Prosperity Index) || Volatile — big bull runs and real crashes (the market moves every hour) || Can lose value fast in a downturn || Buy and sell any time
|}

* '''Rates are paid in full each week.''' The interest pool is funded by taxes and penalties, with the Treasury covering any difference. Bond rates are locked at purchase; flexible rates can change for future weeks.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra.
* The full rate applies to your entire balance - there are no balance caps.
* Minimum deposit: '''$50'''. One bond at a time per player, from $50 up - no maximum.
* '''Capital gains tax:''' bond interest pays net of a '''10%''' tax, and realized stock gains are taxed '''15%''' when you sell. Your deposits and principal are never taxed. Tax proceeds flow back into the bank's interest pool.
* When a bond matures, the principal plus interest is credited automatically to your flexible savings - or, with '''auto-renew''' on (<code>/bond autorenew</code>), it locks straight into a fresh 7-day bond at the then-current rate, compounding week over week.

=== High-yield tiers ===
Large accounts earn '''multiplied rates''' on savings and bonds. Your tier is set by your total account balance - flexible savings, bond, and stocks combined. It applies to weekly savings interest and to the rate locked into new or auto-renewed bonds.

{| class="wikitable"
|-
! Tier !! Total account balance !! Rate multiplier !! Flexible !! Bond
|-
| Standard || under $50,000 || 1× || 1%/week || 1.5%/week
|-
| High-Yield || $50,000+ || 4× || 4%/week || 6%/week
|-
| Private Reserve || $150,000+ || 8× || 8%/week || 12%/week
|}

Tiers apply to savings and bonds only — '''the stock market is the same for everyone''', whatever your balance.

Check your tier with <code>/savings balance</code>.

== Using the bank ==
{| class="wikitable"
|-
! Command !! Description
|-
| <code>/savings</code> || Open the bank menu (works on Bedrock)
|-
| <code>/savings deposit <amount></code> || Deposit cash into flexible savings
|-
| <code>/savings withdraw <amount></code> || Withdraw back to your wallet
|-
| <code>/savings balance</code> || Check your savings and bond
|-
| <code>/bond buy <amount></code> || Buy a 7-day bond at the current locked rate
|-
| <code>/bond status</code> || See your bond's maturity time and projected interest
|-
| <code>/bond autorenew</code> || Toggle automatic renewal at maturity (compounds)
|-
| <code>/bond claim</code> || Exit a bond early (forfeits interest, charges a penalty; you confirm first)
|-
| <code>/stocks invest <amount></code> || Buy into the Prosperity Index
|-
| <code>/stocks sell <amount|all></code> || Sell back to your wallet at the current value
|-
| <code>/stocks status</code> || Your position and last week's market close
|}

=== Stocks ===
The Prosperity Index moves '''every hour''' - the same move for every investor, with days that can swing several percent in either direction. The official '''daily close''' (the net of the day's hourly moves) is posted to Discord at 4 AM and shown in <code>/stocks status</code> alongside the live day-so-far number; the week's net move is announced in chat at the weekly close. The market runs hot and cold: bull runs can stack double-digit weekly gains, and corrections or crashes can wipe gains back out just as fast. Over the long run the index is built to grow with the server's economy.

=== Reading the market (beginner tips) ===
You don't need spreadsheets to do well here. <code>/stocks</code> shows the index level, a 24-hour mini-chart, the last seven daily closes, and any current streak — and the daily close posts to Discord every morning. A few patterns cover most of what matters:

* '''Streaks are real.''' Several green closes in a row usually means a run — riding it has been profitable. Runs always end eventually, so take some profit on the way up.
* '''Crashes happen.''' A violent red day is often followed by more rough days. Stepping out for a day or two after a big drop — or buying the recovery once it stabilizes — are both real strategies.
* '''Buying the dip beats panic-selling the bottom.''' The players who lose the most buy the top of a run and sell the bottom of a crash. Over the long run the index grows with the server.
* '''Never invest money you need tomorrow.''' Rent, food, and gear come first; invest what's left.

Full price charts are coming to the [https://economy.prosperitysmp.com economy website], where classic chart patterns (double bottoms, breakouts, and the like) will actually be visible — the skills you learn reading them work the same way here as in real markets. There is no lock and no penalty: buy in or sell out whenever you like. New money rides from the '''next''' hourly move, so there are no free instant gains. Positions can shrink hard on a bad day - never invest cash you cannot afford to see dip.

Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.

== Account terms ==

By making your first deposit, you agree to the terms below. They exist to keep the bank fair and safe for everyone.

=== 1. Your savings are yours ===
Money you deposit stays yours. Flexible savings can be withdrawn at any time. Bond principal is returned when the bond matures (or earlier, with a penalty). The bank does not charge fees to hold your money, and there are no inactivity fees - your savings remain yours for as long as you have an account.

=== 2. Interest ===
Savings and bonds earn interest, paid out weekly.

* '''Rates are paid in full.''' The rate shown in <code>/savings</code> is what you receive, funded by the bank's interest pool (taxes, penalties, and Treasury top-ups).
* '''Bond rates are locked when you buy the bond''' and are honored for the bond's full term. Interest is paid net of the 10% capital gains tax.
* '''Flexible savings rates can change for future weeks.''' We will never reduce interest you have already been paid; changes only affect future periods.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra - money has to actually sit in the account.

=== 3. Bonds ===
* A bond locks your money for its full term (currently '''7 days''') at a fixed rate.
* When it matures, your principal plus interest is credited to your flexible savings.
* '''Ending a bond early''' forfeits all of its interest and charges a small principal penalty. You will always be shown the penalty and asked to confirm before an early exit goes through.
* Bonds set to '''auto-renew''' roll the principal plus paid interest into a new bond at the then-current rate. You can toggle auto-renew at any time before maturity.

=== 3b. Stocks ===
* Stock positions are revalued hourly by the shared market move - the same percentage for every investor. '''Values go down as well as up''' - a down day reduces your position, and that reduction is final.
* The market is designed to trend upward with the server economy over the long run, but no specific week or return is guaranteed.
* There is no lock-in: you can sell any part of your position at its current value at any time.
* '''Realized gains are taxed 15% at sale''', measured against what you originally paid in. Selling at or below your cost basis is never taxed.

=== 4. Exploited, duplicated, or mistakenly-credited money ===
The Central Bank runs on a real, tracked economy. To keep it fair:

* '''Money gained from a bug, glitch, duplication, lag, or a system/admin error is not a valid balance.''' Staff may remove or reverse it at any time - even if it has already been spent, traded, moved, or saved into the bank.
* '''If your balance changes in a way you cannot explain''' - a sudden jump, a payment that ran twice, a deposit or interest amount that looks wrong - '''tell staff right away.''' Quietly keeping or moving money you know is bugged is treated as abuse of the economy.
* '''Do not exploit, and do not help others exploit.''' Doing so can mean a rollback of the gains, removal from economy systems, and - depending on severity - a ban.
* '''Honest reporters are rewarded, not punished.''' Find a real bug and report it instead of abusing it and you may earn a bug bounty (past finders have earned cash and crates). Reporting in good faith will never get you in trouble.

=== 5. Account security ===
To protect the bank and its savers, staff may:

* '''Recover money credited in error''' to your account, as described in section 4.
* '''Temporarily freeze an account''' that shows suspicious activity, while it is reviewed. A frozen account can still be viewed; deposits and withdrawals are paused until the review clears.
* '''Review or limit unusually large withdrawals''' for security. Normal saving and withdrawing should not be affected unless a security review or a temporary bank pause is active.

=== 6. Fair use ===
* '''One Central Bank account per player.''' Using alternate accounts to farm interest or get around limits is abuse of the economy and is handled under section 4.

=== 7. Changes to these terms ===
We may update these terms as the bank grows. Material changes will be announced. Continuing to use your account after a change means you accept the updated terms.

''Questions about your account? Ask staff - we're happy to help.''

== See also ==
* [[Economy]] - server economy overview
* [[Commands]] - full command reference
* [[Server rules]] - general conduct rules

[[Category:Economy]]

Banking

2026-06-11T08:39:56Z

Maintenance script: Stocks: volatility framing (bull runs and crashes), drop fixed average claim

{{Notice|The Central Bank is '''not yet open'''. Savings, bonds, and stocks are installed on the server and will be enabled after final testing. This page describes how the bank will work and the account terms that apply from your first deposit.}}

Bank news - daily market closes, the weekly bank summary, and any rate changes - is posted to the Discord <code>#market-news</code> channel.

The '''Central Bank''' is the server's savings bank. It offers three products: '''flexible savings''' (deposit and withdraw any time), '''7-day bonds''' (locked for a week at a higher rate), and '''stocks''' (the Prosperity Index - the highest long-run returns, with real down weeks). Money in the bank earns weekly returns and still counts toward your net worth. Rates are scaled to server time: one real month is one in-game year, so a good "annual" return arrives in about four real weeks.

== Products ==
{| class="wikitable"
|-
! Product !! Base rate !! Risk !! Liquidity
|-
| Flexible savings || 1% per week || None || Deposit and withdraw any time
|-
| 7-day bond || 1.5% per week, locked in when you buy || None || Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty
|-
| Stocks (Prosperity Index) || Volatile — big bull runs and real crashes (the market moves every hour) || Can lose value fast in a downturn || Buy and sell any time
|}

* '''Rates are paid in full each week.''' The interest pool is funded by taxes and penalties, with the Treasury covering any difference. Bond rates are locked at purchase; flexible rates can change for future weeks.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra.
* The full rate applies to your entire balance - there are no balance caps.
* Minimum deposit: '''$50'''. One bond at a time per player, from $50 up - no maximum.
* '''Capital gains tax:''' bond interest pays net of a '''10%''' tax, and realized stock gains are taxed '''15%''' when you sell. Your deposits and principal are never taxed. Tax proceeds flow back into the bank's interest pool.
* When a bond matures, the principal plus interest is credited automatically to your flexible savings - or, with '''auto-renew''' on (<code>/bond autorenew</code>), it locks straight into a fresh 7-day bond at the then-current rate, compounding week over week.

=== High-yield tiers ===
Large accounts earn '''multiplied rates''' on savings and bonds. Your tier is set by your total account balance - flexible savings, bond, and stocks combined. It applies to weekly savings interest and to the rate locked into new or auto-renewed bonds.

{| class="wikitable"
|-
! Tier !! Total account balance !! Rate multiplier !! Flexible !! Bond
|-
| Standard || under $50,000 || 1× || 1%/week || 1.5%/week
|-
| High-Yield || $50,000+ || 4× || 4%/week || 6%/week
|-
| Private Reserve || $150,000+ || 8× || 8%/week || 12%/week
|}

Tiers apply to savings and bonds only — '''the stock market is the same for everyone''', whatever your balance.

Check your tier with <code>/savings balance</code>.

== Using the bank ==
{| class="wikitable"
|-
! Command !! Description
|-
| <code>/savings</code> || Open the bank menu (works on Bedrock)
|-
| <code>/savings deposit <amount></code> || Deposit cash into flexible savings
|-
| <code>/savings withdraw <amount></code> || Withdraw back to your wallet
|-
| <code>/savings balance</code> || Check your savings and bond
|-
| <code>/bond buy <amount></code> || Buy a 7-day bond at the current locked rate
|-
| <code>/bond status</code> || See your bond's maturity time and projected interest
|-
| <code>/bond autorenew</code> || Toggle automatic renewal at maturity (compounds)
|-
| <code>/bond claim</code> || Exit a bond early (forfeits interest, charges a penalty; you confirm first)
|-
| <code>/stocks invest <amount></code> || Buy into the Prosperity Index
|-
| <code>/stocks sell <amount|all></code> || Sell back to your wallet at the current value
|-
| <code>/stocks status</code> || Your position and last week's market close
|}

=== Stocks ===
The Prosperity Index moves '''every hour''' - the same move for every investor, with days that can swing several percent in either direction. The official '''daily close''' (the net of the day's hourly moves) is posted to Discord at 4 AM and shown in <code>/stocks status</code> alongside the live day-so-far number; the week's net move is announced in chat at the weekly close. The market runs hot and cold: bull runs can stack double-digit weekly gains, and corrections or crashes can wipe gains back out just as fast. Over the long run the index is built to grow with the server's economy. There is no lock and no penalty: buy in or sell out whenever you like. New money rides from the '''next''' hourly move, so there are no free instant gains. Positions can shrink hard on a bad day - never invest cash you cannot afford to see dip.

Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.

== Account terms ==

By making your first deposit, you agree to the terms below. They exist to keep the bank fair and safe for everyone.

=== 1. Your savings are yours ===
Money you deposit stays yours. Flexible savings can be withdrawn at any time. Bond principal is returned when the bond matures (or earlier, with a penalty). The bank does not charge fees to hold your money, and there are no inactivity fees - your savings remain yours for as long as you have an account.

=== 2. Interest ===
Savings and bonds earn interest, paid out weekly.

* '''Rates are paid in full.''' The rate shown in <code>/savings</code> is what you receive, funded by the bank's interest pool (taxes, penalties, and Treasury top-ups).
* '''Bond rates are locked when you buy the bond''' and are honored for the bond's full term. Interest is paid net of the 10% capital gains tax.
* '''Flexible savings rates can change for future weeks.''' We will never reduce interest you have already been paid; changes only affect future periods.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra - money has to actually sit in the account.

=== 3. Bonds ===
* A bond locks your money for its full term (currently '''7 days''') at a fixed rate.
* When it matures, your principal plus interest is credited to your flexible savings.
* '''Ending a bond early''' forfeits all of its interest and charges a small principal penalty. You will always be shown the penalty and asked to confirm before an early exit goes through.
* Bonds set to '''auto-renew''' roll the principal plus paid interest into a new bond at the then-current rate. You can toggle auto-renew at any time before maturity.

=== 3b. Stocks ===
* Stock positions are revalued hourly by the shared market move - the same percentage for every investor. '''Values go down as well as up''' - a down day reduces your position, and that reduction is final.
* The market is designed to trend upward with the server economy over the long run, but no specific week or return is guaranteed.
* There is no lock-in: you can sell any part of your position at its current value at any time.
* '''Realized gains are taxed 15% at sale''', measured against what you originally paid in. Selling at or below your cost basis is never taxed.

=== 4. Exploited, duplicated, or mistakenly-credited money ===
The Central Bank runs on a real, tracked economy. To keep it fair:

* '''Money gained from a bug, glitch, duplication, lag, or a system/admin error is not a valid balance.''' Staff may remove or reverse it at any time - even if it has already been spent, traded, moved, or saved into the bank.
* '''If your balance changes in a way you cannot explain''' - a sudden jump, a payment that ran twice, a deposit or interest amount that looks wrong - '''tell staff right away.''' Quietly keeping or moving money you know is bugged is treated as abuse of the economy.
* '''Do not exploit, and do not help others exploit.''' Doing so can mean a rollback of the gains, removal from economy systems, and - depending on severity - a ban.
* '''Honest reporters are rewarded, not punished.''' Find a real bug and report it instead of abusing it and you may earn a bug bounty (past finders have earned cash and crates). Reporting in good faith will never get you in trouble.

=== 5. Account security ===
To protect the bank and its savers, staff may:

* '''Recover money credited in error''' to your account, as described in section 4.
* '''Temporarily freeze an account''' that shows suspicious activity, while it is reviewed. A frozen account can still be viewed; deposits and withdrawals are paused until the review clears.
* '''Review or limit unusually large withdrawals''' for security. Normal saving and withdrawing should not be affected unless a security review or a temporary bank pause is active.

=== 6. Fair use ===
* '''One Central Bank account per player.''' Using alternate accounts to farm interest or get around limits is abuse of the economy and is handled under section 4.

=== 7. Changes to these terms ===
We may update these terms as the bank grows. Material changes will be announced. Continuing to use your account after a change means you accept the updated terms.

''Questions about your account? Ask staff - we're happy to help.''

== See also ==
* [[Economy]] - server economy overview
* [[Commands]] - full command reference
* [[Server rules]] - general conduct rules

[[Category:Economy]]

Banking

2026-06-11T08:03:00Z

Maintenance script: Stocks now move hourly; daily close remains the official announcement

{{Notice|The Central Bank is '''not yet open'''. Savings, bonds, and stocks are installed on the server and will be enabled after final testing. This page describes how the bank will work and the account terms that apply from your first deposit.}}

Bank news - daily market closes, the weekly bank summary, and any rate changes - is posted to the Discord <code>#market-news</code> channel.

The '''Central Bank''' is the server's savings bank. It offers three products: '''flexible savings''' (deposit and withdraw any time), '''7-day bonds''' (locked for a week at a higher rate), and '''stocks''' (the Prosperity Index - the highest long-run returns, with real down weeks). Money in the bank earns weekly returns and still counts toward your net worth. Rates are scaled to server time: one real month is one in-game year, so a good "annual" return arrives in about four real weeks.

== Products ==
{| class="wikitable"
|-
! Product !! Base rate !! Risk !! Liquidity
|-
| Flexible savings || 1% per week || None || Deposit and withdraw any time
|-
| 7-day bond || 1.5% per week, locked in when you buy || None || Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty
|-
| Stocks (Prosperity Index) || ~+3.2% per week on average (the market moves every hour) || Can lose value on a down day || Buy and sell any time
|}

* '''Rates are paid in full each week.''' The interest pool is funded by taxes and penalties, with the Treasury covering any difference. Bond rates are locked at purchase; flexible rates can change for future weeks.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra.
* The full rate applies to your entire balance - there are no balance caps.
* Minimum deposit: '''$50'''. One bond at a time per player, from $50 up - no maximum.
* '''Capital gains tax:''' bond interest pays net of a '''10%''' tax, and realized stock gains are taxed '''15%''' when you sell. Your deposits and principal are never taxed. Tax proceeds flow back into the bank's interest pool.
* When a bond matures, the principal plus interest is credited automatically to your flexible savings - or, with '''auto-renew''' on (<code>/bond autorenew</code>), it locks straight into a fresh 7-day bond at the then-current rate, compounding week over week.

=== High-yield tiers ===
Large accounts earn '''multiplied rates''' on savings and bonds. Your tier is set by your total account balance - flexible savings, bond, and stocks combined. It applies to weekly savings interest and to the rate locked into new or auto-renewed bonds.

{| class="wikitable"
|-
! Tier !! Total account balance !! Rate multiplier !! Flexible !! Bond
|-
| Standard || under $50,000 || 1× || 1%/week || 1.5%/week
|-
| High-Yield || $50,000+ || 4× || 4%/week || 6%/week
|-
| Private Reserve || $150,000+ || 8× || 8%/week || 12%/week
|}

Tiers apply to savings and bonds only — '''the stock market is the same for everyone''', whatever your balance.

Check your tier with <code>/savings balance</code>.

== Using the bank ==
{| class="wikitable"
|-
! Command !! Description
|-
| <code>/savings</code> || Open the bank menu (works on Bedrock)
|-
| <code>/savings deposit <amount></code> || Deposit cash into flexible savings
|-
| <code>/savings withdraw <amount></code> || Withdraw back to your wallet
|-
| <code>/savings balance</code> || Check your savings and bond
|-
| <code>/bond buy <amount></code> || Buy a 7-day bond at the current locked rate
|-
| <code>/bond status</code> || See your bond's maturity time and projected interest
|-
| <code>/bond autorenew</code> || Toggle automatic renewal at maturity (compounds)
|-
| <code>/bond claim</code> || Exit a bond early (forfeits interest, charges a penalty; you confirm first)
|-
| <code>/stocks invest <amount></code> || Buy into the Prosperity Index
|-
| <code>/stocks sell <amount|all></code> || Sell back to your wallet at the current value
|-
| <code>/stocks status</code> || Your position and last week's market close
|}

=== Stocks ===
The Prosperity Index moves '''every hour''' - the same move for every investor, with days that can swing several percent in either direction. The official '''daily close''' (the net of the day's hourly moves) is posted to Discord at 4 AM and shown in <code>/stocks status</code> alongside the live day-so-far number; the week's net move is announced in chat at the weekly close. About half of days are flat or down, but over time the index is built to grow with the server's economy, averaging roughly +3.2% per week. There is no lock and no penalty: buy in or sell out whenever you like. New money rides from the '''next''' hourly move, so there are no free instant gains. Positions can shrink hard on a bad day - never invest cash you cannot afford to see dip.

Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.

== Account terms ==

By making your first deposit, you agree to the terms below. They exist to keep the bank fair and safe for everyone.

=== 1. Your savings are yours ===
Money you deposit stays yours. Flexible savings can be withdrawn at any time. Bond principal is returned when the bond matures (or earlier, with a penalty). The bank does not charge fees to hold your money, and there are no inactivity fees - your savings remain yours for as long as you have an account.

=== 2. Interest ===
Savings and bonds earn interest, paid out weekly.

* '''Rates are paid in full.''' The rate shown in <code>/savings</code> is what you receive, funded by the bank's interest pool (taxes, penalties, and Treasury top-ups).
* '''Bond rates are locked when you buy the bond''' and are honored for the bond's full term. Interest is paid net of the 10% capital gains tax.
* '''Flexible savings rates can change for future weeks.''' We will never reduce interest you have already been paid; changes only affect future periods.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra - money has to actually sit in the account.

=== 3. Bonds ===
* A bond locks your money for its full term (currently '''7 days''') at a fixed rate.
* When it matures, your principal plus interest is credited to your flexible savings.
* '''Ending a bond early''' forfeits all of its interest and charges a small principal penalty. You will always be shown the penalty and asked to confirm before an early exit goes through.
* Bonds set to '''auto-renew''' roll the principal plus paid interest into a new bond at the then-current rate. You can toggle auto-renew at any time before maturity.

=== 3b. Stocks ===
* Stock positions are revalued hourly by the shared market move - the same percentage for every investor. '''Values go down as well as up''' - a down day reduces your position, and that reduction is final.
* The market is designed to trend upward with the server economy over the long run, but no specific week or return is guaranteed.
* There is no lock-in: you can sell any part of your position at its current value at any time.
* '''Realized gains are taxed 15% at sale''', measured against what you originally paid in. Selling at or below your cost basis is never taxed.

=== 4. Exploited, duplicated, or mistakenly-credited money ===
The Central Bank runs on a real, tracked economy. To keep it fair:

* '''Money gained from a bug, glitch, duplication, lag, or a system/admin error is not a valid balance.''' Staff may remove or reverse it at any time - even if it has already been spent, traded, moved, or saved into the bank.
* '''If your balance changes in a way you cannot explain''' - a sudden jump, a payment that ran twice, a deposit or interest amount that looks wrong - '''tell staff right away.''' Quietly keeping or moving money you know is bugged is treated as abuse of the economy.
* '''Do not exploit, and do not help others exploit.''' Doing so can mean a rollback of the gains, removal from economy systems, and - depending on severity - a ban.
* '''Honest reporters are rewarded, not punished.''' Find a real bug and report it instead of abusing it and you may earn a bug bounty (past finders have earned cash and crates). Reporting in good faith will never get you in trouble.

=== 5. Account security ===
To protect the bank and its savers, staff may:

* '''Recover money credited in error''' to your account, as described in section 4.
* '''Temporarily freeze an account''' that shows suspicious activity, while it is reviewed. A frozen account can still be viewed; deposits and withdrawals are paused until the review clears.
* '''Review or limit unusually large withdrawals''' for security. Normal saving and withdrawing should not be affected unless a security review or a temporary bank pause is active.

=== 6. Fair use ===
* '''One Central Bank account per player.''' Using alternate accounts to farm interest or get around limits is abuse of the economy and is handled under section 4.

=== 7. Changes to these terms ===
We may update these terms as the bank grows. Material changes will be announced. Continuing to use your account after a change means you accept the updated terms.

''Questions about your account? Ask staff - we're happy to help.''

== See also ==
* [[Economy]] - server economy overview
* [[Commands]] - full command reference
* [[Server rules]] - general conduct rules

[[Category:Economy]]

Commands

2026-06-11T05:03:18Z

Maintenance script: Casino is open: drop opening-soon header

This page lists all player-facing '''commands''' available on Prosperity SMP, organized by category.

== Economy ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/balance</code> (or <code>/bal</code>) || Check your current balance
|-
| <code>/pay <player> <amount></code> || Send money to another player
|-
| <code>/baltop</code> || View the server balance leaderboard
|-
| <code>/shop</code> || Open the [[Admin shop]]
|-
| <code>/market <item></code> || Check the going rate for an item
|-
| <code>/find <item></code> || Search for player [[ChestShop|shops]] selling an item
|}

== Banking ==
The [[Banking|Central Bank]] is '''opening soon''' - these commands go live when it opens.
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/savings</code> || Open the Central Bank menu
|-
| <code>/savings deposit <amount></code> || Deposit into flexible savings
|-
| <code>/savings withdraw <amount></code> || Withdraw to your wallet
|-
| <code>/bond buy <amount></code> || Buy a 7-day bond
|-
| <code>/bond status</code> || Check your bond
|}

== Jobs ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/jobs browse</code> || View available jobs and join one
|-
| <code>/jobs info</code> || See your current job stats
|-
| <code>/jobs leave</code> || Leave your current job
|-
| <code>/jobs top</code> || Leaderboard by job level
|-
| <code>/prestige <job></code> || Prestige a maxed job (level 50)
|-
| <code>/skills</code> || Open the skill tree menu
|}

== Contracts ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/contracts</code> || List all active civic contracts
|-
| <code>/contractinfo <id></code> || View contract details
|-
| <code>/deliver <id></code> || Hand in items to fulfill a contract
|}

== Daily rewards ==
See [[Daily rewards]] for the streak track and chest contents.
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/daily</code> || Claim your daily login reward and view your streak
|-
| <code>/rewards</code> || View and claim playtime reward chests
|-
| <code>/rewards claim</code> || Claim every unlocked chest at once
|}

== Casino ==
See [[Casino]] for games, odds, and limits.
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/coinflip <player> <amount></code> || Challenge a player to a 50/50 flip (3% rake)
|-
| <code>/coinflip accept</code> || Accept a pending challenge
|-
| <code>/crash</code> || Cash-out-before-it-crashes multiplier game
|-
| <code>/slots</code> || Slot machine with a progressive jackpot
|-
| <code>/lottery</code> || Daily + weekly ticket draws
|-
| <code>/casino-rules</code> || Odds, limits, and your remaining daily wager
|}

== Builders ==
For players hired onto [[Government build contracts|government build contracts]].
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/buildmode</code> || Toggle build flight inside your contract's build site
|-
| <code>/bp <block></code> || Draw a stack of a basic building block
|}

== Teleportation ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/spawn</code> || Return to spawn
|-
| <code>/home <name></code> || Teleport to a saved home
|-
| <code>/sethome <name></code> || Save current location as a home
|-
| <code>/delhome <name></code> || Delete a saved home
|-
| <code>/tpa <player></code> || Request to teleport to a player
|-
| <code>/tpaccept</code> || Accept a teleport request
|-
| <code>/rtp</code> || Random teleport to the resource world
|}

== Tools and upgrades ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/buydrill <1 or 2 or 3></code> || Purchase a drill (Miner level gated)
|-
| <code>/buyharvester <1 or 2 or 3></code> || Purchase a harvester (Farmer level gated)
|-
| <code>/smithy</code> || Open the Master Smith upgrade menu
|-
| <code>/smithy book efficiency [tier]</code> || Buy an Efficiency enchanted book
|-
| <code>/smithy book fortune [tier]</code> || Buy a Fortune enchanted book
|}

== Social ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/msg <player> <message></code> || Private message
|-
| <code>/r <message></code> || Reply to last message
|-
| <code>/mail send <player> <message></code> || Send offline mail
|-
| <code>/mail read</code> || Read your mail
|}

== Utility ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/co inspect</code> || Toggle [[CoreProtect]] block inspector
|-
| <code>/bolt trust <player></code> || Trust a player on locked blocks
|-
| <code>/bolt info</code> || Check block ownership
|-
| <code>/seen <player></code> || Check when a player was last online
|-
| <code>/list</code> || See who is online
|}

== See also ==
* [[Getting started]] — new player walkthrough
* [[Jobs]] — job system overview

[[Category:Reference]]

Casino

2026-06-11T05:03:17Z

Maintenance script: Casino is open: remove pre-launch notice

The '''casino''' is a set of four gambling games. Every game carries a house edge — the casino is entertainment with a chance of winning, not an income source. Stakes are real: money you wager is gone unless you win.

== Limits that apply to every game ==
* '''Minimum bet:''' $10.
* '''Daily wager cap:''' $5,000 per player per day, across all games combined.
* '''New-player gate:''' your account must be at least 24 hours old with 2+ hours of playtime.
* House edges are published openly: coinflip 3% · crash 6% · slots ~8% · lottery 18% pool cut. Run <code>/casino-rules</code> in game any time.

== The games ==

=== Coinflip — player vs player ===
Challenge another player to a 50/50 flip for equal stakes. The pot is both stakes; the house takes a 3% rake and the winner keeps the rest.

* <code>/coinflip <player> <amount></code> — challenge someone (max bet $500). Bedrock names work with or without the leading dot, and tab-completion suggests online players.
* <code>/coinflip accept</code> / <code>/coinflip deny</code> — respond to a challenge (expires after 60 seconds).
* The same two players can flip at most $5,000 total per day.

=== Crash ===
Place a bet and watch the multiplier climb — cash out before it crashes and you keep your bet times the multiplier; wait too long and the house keeps the bet. Max bet $100. Run <code>/crash</code>.

=== Slots ===
A slot machine in a chest GUI. Spin for matching symbols; a slice of every bet feeds a growing jackpot. Max bet $50. Run <code>/slots</code>.

=== Lottery ===
Two pools run continuously: a '''daily''' draw and a '''weekly''' draw.

* Tickets cost '''$50''' each, up to 10 per player per draw, via <code>/lottery</code>.
* The pool pays out 82% of ticket sales (the 18% cut is the house edge), split '''70% / 20% / 10%''' across three winners, weighted by tickets held.
* Pot milestones are announced in chat as they grow.

== Fair play ==
The anti-abuse rules from the [[Server rules]] apply: no alternate accounts to dodge the daily caps or farm flips, and exploiting a game bug is handled under the economy-abuse policy — report bugs instead for a bounty. Game statistics are monitored; the casino can be paused at any time.

== See also ==
* [[Banking]] — savings, bonds, and stocks (the other way to grow money)
* [[Commands]] — full command reference
* [[Crates]] — the retired /gamble crate

[[Category:Gameplay]]

Main Page

2026-06-11T04:56:32Z

Maintenance script: Link Daily rewards page

Welcome to the official wiki for '''Prosperity SMP''', a Minecraft survival economy server running Paper 1.21.8.

== Getting started ==
New to the server? Read the [[Getting started|new player guide]] to learn how to join, pick a job, and earn your first paycheck.

* '''Server address:''' <code>play.prosperitysmp.com</code>
* '''Bedrock port:''' <code>19132</code>
* '''Version:''' Paper 1.21.8 (Java + Bedrock cross-play)

== Quick links ==
{| class="wikitable" style="width:100%;"
|-
! style="width:33%;" | Gameplay
! style="width:34%;" | Progression
! style="width:33%;" | Reference
|-
|
* [[Getting started]]
* [[Jobs]]
* [[Dungeons]]
* [[Economy]]
* [[Banking]]
* [[Casino]]
* [[Daily rewards]]
* [[Trading]]
* [[Auction house]]
* [[Direct trading]]
* [[Contracts]]
* [[Government build contracts]]
* [[Real estate]]
* [[Resource world]]
|
* [[Skill trees]]
* [[Prestige]]
* [[Drills and harvesters]]
* [[Master Smith]]
* [[Crates]]
* [[Titles]]
* [[Stipends]]
|
* [[Server rules]]
* [[Commands]]
* [[Frequently asked questions|FAQ]]
* [[Zoning regulations]]
* [[Lore]]
|}

== Jobs ==
{| class="wikitable" style="width:100%;"
|-
! Job !! Pays for !! Key unlocks
|-
| [[Miner]] || Stone, ores, deepslate || [[Drills and harvesters|Drills]], [[Master Smith]] upgrades
|-
| [[Farmer]] || Crops || [[Drills and harvesters|Harvesters]], auto-replant
|-
| [[Builder]] || Placing blocks || [[Contracts|Civic contracts]]
|-
| [[Woodcutter]] || Logs || Tree-felling upgrades
|-
| [[Hunter]] || Hostile mobs || [[Dungeons]], ranks E-S, combat gear
|-
| [[Fisherman]] || Fish || Rod enchants, rare-fish perks
|}

== Plugins ==
{| class="wikitable" style="width:100%;"
|-
! Plugin !! Purpose
|-
| [[ChestShop]] || Player-owned shops
|-
| [[Simulated ChestShop]] || Automated market activity engine
|-
| [[Admin shop]] || Server shop (<code>/shop</code>)
|-
| [[Essentials]] || Homes, teleportation, mail
|-
| [[BOLT]] || Chest and door locking
|-
| [[Simple Voice Chat]] || Proximity voice (Java mod)
|-
| [[CoreProtect]] || Block inspection
|-
| [[Plot rental]] || Land rental (ARM)
|-
| [[Bedrock setup]] || Bedrock Edition connection
|}

== Community ==
* [https://discord.gg/prosperitysmp Discord server]
* [[Lore]] — world history

Commands

2026-06-11T04:56:32Z

Maintenance script: Add Daily rewards command section

This page lists all player-facing '''commands''' available on Prosperity SMP, organized by category.

== Economy ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/balance</code> (or <code>/bal</code>) || Check your current balance
|-
| <code>/pay <player> <amount></code> || Send money to another player
|-
| <code>/baltop</code> || View the server balance leaderboard
|-
| <code>/shop</code> || Open the [[Admin shop]]
|-
| <code>/market <item></code> || Check the going rate for an item
|-
| <code>/find <item></code> || Search for player [[ChestShop|shops]] selling an item
|}

== Banking ==
The [[Banking|Central Bank]] is '''opening soon''' - these commands go live when it opens.
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/savings</code> || Open the Central Bank menu
|-
| <code>/savings deposit <amount></code> || Deposit into flexible savings
|-
| <code>/savings withdraw <amount></code> || Withdraw to your wallet
|-
| <code>/bond buy <amount></code> || Buy a 7-day bond
|-
| <code>/bond status</code> || Check your bond
|}

== Jobs ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/jobs browse</code> || View available jobs and join one
|-
| <code>/jobs info</code> || See your current job stats
|-
| <code>/jobs leave</code> || Leave your current job
|-
| <code>/jobs top</code> || Leaderboard by job level
|-
| <code>/prestige <job></code> || Prestige a maxed job (level 50)
|-
| <code>/skills</code> || Open the skill tree menu
|}

== Contracts ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/contracts</code> || List all active civic contracts
|-
| <code>/contractinfo <id></code> || View contract details
|-
| <code>/deliver <id></code> || Hand in items to fulfill a contract
|}

== Daily rewards ==
See [[Daily rewards]] for the streak track and chest contents.
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/daily</code> || Claim your daily login reward and view your streak
|-
| <code>/rewards</code> || View and claim playtime reward chests
|-
| <code>/rewards claim</code> || Claim every unlocked chest at once
|}

== Casino (opening soon) ==
See [[Casino]] for games, odds, and limits.
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/coinflip <player> <amount></code> || Challenge a player to a 50/50 flip (3% rake)
|-
| <code>/coinflip accept</code> || Accept a pending challenge
|-
| <code>/crash</code> || Cash-out-before-it-crashes multiplier game
|-
| <code>/slots</code> || Slot machine with a progressive jackpot
|-
| <code>/lottery</code> || Daily + weekly ticket draws
|-
| <code>/casino-rules</code> || Odds, limits, and your remaining daily wager
|}

== Builders ==
For players hired onto [[Government build contracts|government build contracts]].
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/buildmode</code> || Toggle build flight inside your contract's build site
|-
| <code>/bp <block></code> || Draw a stack of a basic building block
|}

== Teleportation ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/spawn</code> || Return to spawn
|-
| <code>/home <name></code> || Teleport to a saved home
|-
| <code>/sethome <name></code> || Save current location as a home
|-
| <code>/delhome <name></code> || Delete a saved home
|-
| <code>/tpa <player></code> || Request to teleport to a player
|-
| <code>/tpaccept</code> || Accept a teleport request
|-
| <code>/rtp</code> || Random teleport to the resource world
|}

== Tools and upgrades ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/buydrill <1 or 2 or 3></code> || Purchase a drill (Miner level gated)
|-
| <code>/buyharvester <1 or 2 or 3></code> || Purchase a harvester (Farmer level gated)
|-
| <code>/smithy</code> || Open the Master Smith upgrade menu
|-
| <code>/smithy book efficiency [tier]</code> || Buy an Efficiency enchanted book
|-
| <code>/smithy book fortune [tier]</code> || Buy a Fortune enchanted book
|}

== Social ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/msg <player> <message></code> || Private message
|-
| <code>/r <message></code> || Reply to last message
|-
| <code>/mail send <player> <message></code> || Send offline mail
|-
| <code>/mail read</code> || Read your mail
|}

== Utility ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/co inspect</code> || Toggle [[CoreProtect]] block inspector
|-
| <code>/bolt trust <player></code> || Trust a player on locked blocks
|-
| <code>/bolt info</code> || Check block ownership
|-
| <code>/seen <player></code> || Check when a player was last online
|-
| <code>/list</code> || See who is online
|}

== See also ==
* [[Getting started]] — new player walkthrough
* [[Jobs]] — job system overview

[[Category:Reference]]

Daily rewards

2026-06-11T04:55:36Z

Maintenance script: New page: daily login streak + playtime reward chests

'''Daily rewards''' are two free reward loops that pay you simply for logging in and playing: the '''daily login streak''' (<code>/daily</code>) and '''playtime reward chests''' (<code>/rewards</code>). Neither costs anything to use. Accounts must be at least '''24 hours old''' to claim from either system.

== Daily login streak ==
Claim one reward per calendar day with <code>/daily</code> (aliases <code>/dailyreward</code>, <code>/streak</code>). Claiming on consecutive days builds a streak through a repeating 7-day track — miss a day and the streak resets to day 1.

{| class="wikitable"
! Day !! Reward
|-
| 1 || 16× Bread
|-
| 2 || 6× Iron Ingot
|-
| 3 || 16× XP Bottle
|-
| 4 || 6× Gold Ingot
|-
| 5 || 1× Diamond
|-
| 6 || 2× Emerald
|-
| 7 || 24× XP Bottle, plus a '''free daily lottery ticket''' while the [[Casino]] is open (8× Firework Rocket otherwise)
|}

After day 7 the track repeats. Long streaks earn extra milestone bonuses — reaching a '''30-day streak''' awards a netherite scrap, with larger milestones planned.

* <code>/daily</code> — open the streak tracker and claim from the GUI.
* <code>/daily claim</code> — claim directly without the GUI.
* A chat reminder appears on join whenever a claim is waiting.

== Playtime reward chests ==
Run <code>/rewards</code> (aliases <code>/playtimerewards</code>, <code>/ptr</code>) to see four reward chests that unlock as you rack up '''active minutes''' each day. Only active play counts — a minute is credited only if you actually moved since the previous minute, so AFK time earns nothing. Progress and claims reset every day.

{| class="wikitable"
! Chest !! Unlocks at !! Contents
|-
| Chest 1 || 20 active min || 8× Steak + 15 XP
|-
| Chest 2 || 45 active min || 16× Arrow + 25 XP
|-
| Chest 3 || 75 active min || 4× Iron Ingot + 40 XP
|-
| Chest 4 || 120 active min || 8× Firework Rocket + 60 XP, with a 30% chance of 1× Diamond
|}

* <code>/rewards</code> — open the chest GUI; click a '''READY''' chest to claim it.
* <code>/rewards claim</code> — claim every ready chest at once.
* You are pinged in chat the moment a chest unlocks.

== Fair play ==
Both systems share the anti-abuse rules from the [[Server rules]]: accounts must be 24+ hours old, AFK farming playtime does not work, and using alternate accounts to multiply claims is treated as economy abuse.

== See also ==
* [[Casino]] — the daily and weekly lottery
* [[Banking]] — savings, bonds, and stocks
* [[Commands]] — full command reference

[[Category:Gameplay]]

Casino

2026-06-11T04:38:18Z

Maintenance script: Raise daily wager cap and coinflip pairwise cap to 5,000

{{Notice|The casino is '''not yet open''' — the games are installed and in final testing. Opening will be announced in chat and on Discord.}}

The '''casino''' is a set of four gambling games. Every game carries a house edge — the casino is entertainment with a chance of winning, not an income source. Stakes are real: money you wager is gone unless you win.

== Limits that apply to every game ==
* '''Minimum bet:''' $10.
* '''Daily wager cap:''' $5,000 per player per day, across all games combined.
* '''New-player gate:''' your account must be at least 24 hours old with 2+ hours of playtime.
* House edges are published openly: coinflip 3% · crash 6% · slots ~8% · lottery 18% pool cut. Run <code>/casino-rules</code> in game any time.

== The games ==

=== Coinflip — player vs player ===
Challenge another player to a 50/50 flip for equal stakes. The pot is both stakes; the house takes a 3% rake and the winner keeps the rest.

* <code>/coinflip <player> <amount></code> — challenge someone (max bet $500). Bedrock names work with or without the leading dot, and tab-completion suggests online players.
* <code>/coinflip accept</code> / <code>/coinflip deny</code> — respond to a challenge (expires after 60 seconds).
* The same two players can flip at most $5,000 total per day.

=== Crash ===
Place a bet and watch the multiplier climb — cash out before it crashes and you keep your bet times the multiplier; wait too long and the house keeps the bet. Max bet $100. Run <code>/crash</code>.

=== Slots ===
A slot machine in a chest GUI. Spin for matching symbols; a slice of every bet feeds a growing jackpot. Max bet $50. Run <code>/slots</code>.

=== Lottery ===
Two pools run continuously: a '''daily''' draw and a '''weekly''' draw.

* Tickets cost '''$50''' each, up to 10 per player per draw, via <code>/lottery</code>.
* The pool pays out 82% of ticket sales (the 18% cut is the house edge), split '''70% / 20% / 10%''' across three winners, weighted by tickets held.
* Pot milestones are announced in chat as they grow.

== Fair play ==
The anti-abuse rules from the [[Server rules]] apply: no alternate accounts to dodge the daily caps or farm flips, and exploiting a game bug is handled under the economy-abuse policy — report bugs instead for a bounty. Game statistics are monitored; the casino can be paused at any time.

== See also ==
* [[Banking]] — savings, bonds, and stocks (the other way to grow money)
* [[Commands]] — full command reference
* [[Crates]] — the retired /gamble crate

[[Category:Gameplay]]

Main Page

2026-06-11T04:19:12Z

Maintenance script: Casino page + command reference (games, odds, limits; opening soon)

Welcome to the official wiki for '''Prosperity SMP''', a Minecraft survival economy server running Paper 1.21.8.

== Getting started ==
New to the server? Read the [[Getting started|new player guide]] to learn how to join, pick a job, and earn your first paycheck.

* '''Server address:''' <code>play.prosperitysmp.com</code>
* '''Bedrock port:''' <code>19132</code>
* '''Version:''' Paper 1.21.8 (Java + Bedrock cross-play)

== Quick links ==
{| class="wikitable" style="width:100%;"
|-
! style="width:33%;" | Gameplay
! style="width:34%;" | Progression
! style="width:33%;" | Reference
|-
|
* [[Getting started]]
* [[Jobs]]
* [[Dungeons]]
* [[Economy]]
* [[Banking]]
* [[Casino]]
* [[Trading]]
* [[Auction house]]
* [[Direct trading]]
* [[Contracts]]
* [[Government build contracts]]
* [[Real estate]]
* [[Resource world]]
|
* [[Skill trees]]
* [[Prestige]]
* [[Drills and harvesters]]
* [[Master Smith]]
* [[Crates]]
* [[Titles]]
* [[Stipends]]
|
* [[Server rules]]
* [[Commands]]
* [[Frequently asked questions|FAQ]]
* [[Zoning regulations]]
* [[Lore]]
|}

== Jobs ==
{| class="wikitable" style="width:100%;"
|-
! Job !! Pays for !! Key unlocks
|-
| [[Miner]] || Stone, ores, deepslate || [[Drills and harvesters|Drills]], [[Master Smith]] upgrades
|-
| [[Farmer]] || Crops || [[Drills and harvesters|Harvesters]], auto-replant
|-
| [[Builder]] || Placing blocks || [[Contracts|Civic contracts]]
|-
| [[Woodcutter]] || Logs || Tree-felling upgrades
|-
| [[Hunter]] || Hostile mobs || [[Dungeons]], ranks E-S, combat gear
|-
| [[Fisherman]] || Fish || Rod enchants, rare-fish perks
|}

== Plugins ==
{| class="wikitable" style="width:100%;"
|-
! Plugin !! Purpose
|-
| [[ChestShop]] || Player-owned shops
|-
| [[Simulated ChestShop]] || Automated market activity engine
|-
| [[Admin shop]] || Server shop (<code>/shop</code>)
|-
| [[Essentials]] || Homes, teleportation, mail
|-
| [[BOLT]] || Chest and door locking
|-
| [[Simple Voice Chat]] || Proximity voice (Java mod)
|-
| [[CoreProtect]] || Block inspection
|-
| [[Plot rental]] || Land rental (ARM)
|-
| [[Bedrock setup]] || Bedrock Edition connection
|}

== Community ==
* [https://discord.gg/prosperitysmp Discord server]
* [[Lore]] — world history

Commands

2026-06-11T04:19:11Z

Maintenance script: Casino page + command reference (games, odds, limits; opening soon)

This page lists all player-facing '''commands''' available on Prosperity SMP, organized by category.

== Economy ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/balance</code> (or <code>/bal</code>) || Check your current balance
|-
| <code>/pay <player> <amount></code> || Send money to another player
|-
| <code>/baltop</code> || View the server balance leaderboard
|-
| <code>/shop</code> || Open the [[Admin shop]]
|-
| <code>/market <item></code> || Check the going rate for an item
|-
| <code>/find <item></code> || Search for player [[ChestShop|shops]] selling an item
|}

== Banking ==
The [[Banking|Central Bank]] is '''opening soon''' - these commands go live when it opens.
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/savings</code> || Open the Central Bank menu
|-
| <code>/savings deposit <amount></code> || Deposit into flexible savings
|-
| <code>/savings withdraw <amount></code> || Withdraw to your wallet
|-
| <code>/bond buy <amount></code> || Buy a 7-day bond
|-
| <code>/bond status</code> || Check your bond
|}

== Jobs ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/jobs browse</code> || View available jobs and join one
|-
| <code>/jobs info</code> || See your current job stats
|-
| <code>/jobs leave</code> || Leave your current job
|-
| <code>/jobs top</code> || Leaderboard by job level
|-
| <code>/prestige <job></code> || Prestige a maxed job (level 50)
|-
| <code>/skills</code> || Open the skill tree menu
|}

== Contracts ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/contracts</code> || List all active civic contracts
|-
| <code>/contractinfo <id></code> || View contract details
|-
| <code>/deliver <id></code> || Hand in items to fulfill a contract
|}

== Casino (opening soon) ==
See [[Casino]] for games, odds, and limits.
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/coinflip <player> <amount></code> || Challenge a player to a 50/50 flip (3% rake)
|-
| <code>/coinflip accept</code> || Accept a pending challenge
|-
| <code>/crash</code> || Cash-out-before-it-crashes multiplier game
|-
| <code>/slots</code> || Slot machine with a progressive jackpot
|-
| <code>/lottery</code> || Daily + weekly ticket draws
|-
| <code>/casino-rules</code> || Odds, limits, and your remaining daily wager
|}

== Builders ==
For players hired onto [[Government build contracts|government build contracts]].
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/buildmode</code> || Toggle build flight inside your contract's build site
|-
| <code>/bp <block></code> || Draw a stack of a basic building block
|}

== Teleportation ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/spawn</code> || Return to spawn
|-
| <code>/home <name></code> || Teleport to a saved home
|-
| <code>/sethome <name></code> || Save current location as a home
|-
| <code>/delhome <name></code> || Delete a saved home
|-
| <code>/tpa <player></code> || Request to teleport to a player
|-
| <code>/tpaccept</code> || Accept a teleport request
|-
| <code>/rtp</code> || Random teleport to the resource world
|}

== Tools and upgrades ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/buydrill <1 or 2 or 3></code> || Purchase a drill (Miner level gated)
|-
| <code>/buyharvester <1 or 2 or 3></code> || Purchase a harvester (Farmer level gated)
|-
| <code>/smithy</code> || Open the Master Smith upgrade menu
|-
| <code>/smithy book efficiency [tier]</code> || Buy an Efficiency enchanted book
|-
| <code>/smithy book fortune [tier]</code> || Buy a Fortune enchanted book
|}

== Social ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/msg <player> <message></code> || Private message
|-
| <code>/r <message></code> || Reply to last message
|-
| <code>/mail send <player> <message></code> || Send offline mail
|-
| <code>/mail read</code> || Read your mail
|}

== Utility ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/co inspect</code> || Toggle [[CoreProtect]] block inspector
|-
| <code>/bolt trust <player></code> || Trust a player on locked blocks
|-
| <code>/bolt info</code> || Check block ownership
|-
| <code>/seen <player></code> || Check when a player was last online
|-
| <code>/list</code> || See who is online
|}

== See also ==
* [[Getting started]] — new player walkthrough
* [[Jobs]] — job system overview

[[Category:Reference]]

Casino

2026-06-11T04:19:11Z

Maintenance script: Casino page + command reference (games, odds, limits; opening soon)

{{Notice|The casino is '''not yet open''' — the games are installed and in final testing. Opening will be announced in chat and on Discord.}}

The '''casino''' is a set of four gambling games. Every game carries a house edge — the casino is entertainment with a chance of winning, not an income source. Stakes are real: money you wager is gone unless you win.

== Limits that apply to every game ==
* '''Minimum bet:''' $10.
* '''Daily wager cap:''' $1,000 per player per day, across all games combined.
* '''New-player gate:''' your account must be at least 24 hours old with 2+ hours of playtime.
* House edges are published openly: coinflip 3% · crash 6% · slots ~8% · lottery 18% pool cut. Run <code>/casino-rules</code> in game any time.

== The games ==

=== Coinflip — player vs player ===
Challenge another player to a 50/50 flip for equal stakes. The pot is both stakes; the house takes a 3% rake and the winner keeps the rest.

* <code>/coinflip <player> <amount></code> — challenge someone (max bet $500). Bedrock names work with or without the leading dot, and tab-completion suggests online players.
* <code>/coinflip accept</code> / <code>/coinflip deny</code> — respond to a challenge (expires after 60 seconds).
* The same two players can flip at most $1,000 total per day.

=== Crash ===
Place a bet and watch the multiplier climb — cash out before it crashes and you keep your bet times the multiplier; wait too long and the house keeps the bet. Max bet $100. Run <code>/crash</code>.

=== Slots ===
A slot machine in a chest GUI. Spin for matching symbols; a slice of every bet feeds a growing jackpot. Max bet $50. Run <code>/slots</code>.

=== Lottery ===
Two pools run continuously: a '''daily''' draw and a '''weekly''' draw.

* Tickets cost '''$50''' each, up to 10 per player per draw, via <code>/lottery</code>.
* The pool pays out 82% of ticket sales (the 18% cut is the house edge), split '''70% / 20% / 10%''' across three winners, weighted by tickets held.
* Pot milestones are announced in chat as they grow.

== Fair play ==
The anti-abuse rules from the [[Server rules]] apply: no alternate accounts to dodge the daily caps or farm flips, and exploiting a game bug is handled under the economy-abuse policy — report bugs instead for a bounty. Game statistics are monitored; the casino can be paused at any time.

== See also ==
* [[Banking]] — savings, bonds, and stocks (the other way to grow money)
* [[Commands]] — full command reference
* [[Crates]] — the retired /gamble crate

[[Category:Gameplay]]

Banking

2026-06-10T22:47:18Z

Maintenance script: Fix table cell: pipe in amount|all escaped

{{Notice|The Central Bank is '''not yet open'''. Savings, bonds, and stocks are installed on the server and will be enabled after final testing. This page describes how the bank will work and the account terms that apply from your first deposit.}}

Bank news - daily market closes, the weekly bank summary, and any rate changes - is posted to the Discord <code>#market-news</code> channel.

The '''Central Bank''' is the server's savings bank. It offers three products: '''flexible savings''' (deposit and withdraw any time), '''7-day bonds''' (locked for a week at a higher rate), and '''stocks''' (the Prosperity Index - the highest long-run returns, with real down weeks). Money in the bank earns weekly returns and still counts toward your net worth. Rates are scaled to server time: one real month is one in-game year, so a good "annual" return arrives in about four real weeks.

== Products ==
{| class="wikitable"
|-
! Product !! Base rate !! Risk !! Liquidity
|-
| Flexible savings || 1% per week || None || Deposit and withdraw any time
|-
| 7-day bond || 1.5% per week, locked in when you buy || None || Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty
|-
| Stocks (Prosperity Index) || ~+3.2% per week on average (daily moves, −8% to +10% per day) || Can lose value on a down day || Buy and sell any time
|}

* '''Rates are paid in full each week.''' The interest pool is funded by taxes and penalties, with the Treasury covering any difference. Bond rates are locked at purchase; flexible rates can change for future weeks.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra.
* The full rate applies to your entire balance - there are no balance caps.
* Minimum deposit: '''$50'''. One bond at a time per player, from $50 up - no maximum.
* '''Capital gains tax:''' bond interest pays net of a '''10%''' tax, and realized stock gains are taxed '''15%''' when you sell. Your deposits and principal are never taxed. Tax proceeds flow back into the bank's interest pool.
* When a bond matures, the principal plus interest is credited automatically to your flexible savings - or, with '''auto-renew''' on (<code>/bond autorenew</code>), it locks straight into a fresh 7-day bond at the then-current rate, compounding week over week.

=== High-yield tiers ===
Large accounts earn '''multiplied rates''' on savings and bonds. Your tier is set by your total account balance - flexible savings, bond, and stocks combined. It applies to weekly savings interest and to the rate locked into new or auto-renewed bonds.

{| class="wikitable"
|-
! Tier !! Total account balance !! Rate multiplier !! Flexible !! Bond
|-
| Standard || under $50,000 || 1× || 1%/week || 1.5%/week
|-
| High-Yield || $50,000+ || 4× || 4%/week || 6%/week
|-
| Private Reserve || $150,000+ || 8× || 8%/week || 12%/week
|}

Tiers apply to savings and bonds only — '''the stock market is the same for everyone''', whatever your balance.

Check your tier with <code>/savings balance</code>.

== Using the bank ==
{| class="wikitable"
|-
! Command !! Description
|-
| <code>/savings</code> || Open the bank menu (works on Bedrock)
|-
| <code>/savings deposit <amount></code> || Deposit cash into flexible savings
|-
| <code>/savings withdraw <amount></code> || Withdraw back to your wallet
|-
| <code>/savings balance</code> || Check your savings and bond
|-
| <code>/bond buy <amount></code> || Buy a 7-day bond at the current locked rate
|-
| <code>/bond status</code> || See your bond's maturity time and projected interest
|-
| <code>/bond autorenew</code> || Toggle automatic renewal at maturity (compounds)
|-
| <code>/bond claim</code> || Exit a bond early (forfeits interest, charges a penalty; you confirm first)
|-
| <code>/stocks invest <amount></code> || Buy into the Prosperity Index
|-
| <code>/stocks sell <amount|all></code> || Sell back to your wallet at the current value
|-
| <code>/stocks status</code> || Your position and last week's market close
|}

=== Stocks ===
The Prosperity Index moves '''once per day''' - the same move for every investor, between roughly '''−8% and +10%''' in a single day. Daily closes are posted to Discord and shown in <code>/stocks status</code>; the week's net move is announced in chat at the weekly close. About half of days are flat or down, but over time the index is built to grow with the server's economy, averaging roughly +3.2% per week. There is no lock and no penalty: buy in or sell out whenever you like. New money rides from the '''next''' daily close, so there are no free same-day gains. Positions can shrink hard on a bad day - never invest cash you cannot afford to see dip.

Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.

== Account terms ==

By making your first deposit, you agree to the terms below. They exist to keep the bank fair and safe for everyone.

=== 1. Your savings are yours ===
Money you deposit stays yours. Flexible savings can be withdrawn at any time. Bond principal is returned when the bond matures (or earlier, with a penalty). The bank does not charge fees to hold your money, and there are no inactivity fees - your savings remain yours for as long as you have an account.

=== 2. Interest ===
Savings and bonds earn interest, paid out weekly.

* '''Rates are paid in full.''' The rate shown in <code>/savings</code> is what you receive, funded by the bank's interest pool (taxes, penalties, and Treasury top-ups).
* '''Bond rates are locked when you buy the bond''' and are honored for the bond's full term. Interest is paid net of the 10% capital gains tax.
* '''Flexible savings rates can change for future weeks.''' We will never reduce interest you have already been paid; changes only affect future periods.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra - money has to actually sit in the account.

=== 3. Bonds ===
* A bond locks your money for its full term (currently '''7 days''') at a fixed rate.
* When it matures, your principal plus interest is credited to your flexible savings.
* '''Ending a bond early''' forfeits all of its interest and charges a small principal penalty. You will always be shown the penalty and asked to confirm before an early exit goes through.
* Bonds set to '''auto-renew''' roll the principal plus paid interest into a new bond at the then-current rate. You can toggle auto-renew at any time before maturity.

=== 3b. Stocks ===
* Stock positions are revalued daily by the shared market move - the same percentage for every investor. '''Values go down as well as up''' - a down day reduces your position, and that reduction is final.
* The market is designed to trend upward with the server economy over the long run, but no specific week or return is guaranteed.
* There is no lock-in: you can sell any part of your position at its current value at any time.
* '''Realized gains are taxed 15% at sale''', measured against what you originally paid in. Selling at or below your cost basis is never taxed.

=== 4. Exploited, duplicated, or mistakenly-credited money ===
The Central Bank runs on a real, tracked economy. To keep it fair:

* '''Money gained from a bug, glitch, duplication, lag, or a system/admin error is not a valid balance.''' Staff may remove or reverse it at any time - even if it has already been spent, traded, moved, or saved into the bank.
* '''If your balance changes in a way you cannot explain''' - a sudden jump, a payment that ran twice, a deposit or interest amount that looks wrong - '''tell staff right away.''' Quietly keeping or moving money you know is bugged is treated as abuse of the economy.
* '''Do not exploit, and do not help others exploit.''' Doing so can mean a rollback of the gains, removal from economy systems, and - depending on severity - a ban.
* '''Honest reporters are rewarded, not punished.''' Find a real bug and report it instead of abusing it and you may earn a bug bounty (past finders have earned cash and crates). Reporting in good faith will never get you in trouble.

=== 5. Account security ===
To protect the bank and its savers, staff may:

* '''Recover money credited in error''' to your account, as described in section 4.
* '''Temporarily freeze an account''' that shows suspicious activity, while it is reviewed. A frozen account can still be viewed; deposits and withdrawals are paused until the review clears.
* '''Review or limit unusually large withdrawals''' for security. Normal saving and withdrawing should not be affected unless a security review or a temporary bank pause is active.

=== 6. Fair use ===
* '''One Central Bank account per player.''' Using alternate accounts to farm interest or get around limits is abuse of the economy and is handled under section 4.

=== 7. Changes to these terms ===
We may update these terms as the bank grows. Material changes will be announced. Continuing to use your account after a change means you accept the updated terms.

''Questions about your account? Ask staff - we're happy to help.''

== See also ==
* [[Economy]] - server economy overview
* [[Commands]] - full command reference
* [[Server rules]] - general conduct rules

[[Category:Economy]]

Banking

2026-06-10T22:37:58Z

Maintenance script: Banking v1.7: capital gains tax (10% bond interest, 15% realized stock gains)

{{Notice|The Central Bank is '''not yet open'''. Savings, bonds, and stocks are installed on the server and will be enabled after final testing. This page describes how the bank will work and the account terms that apply from your first deposit.}}

Bank news - daily market closes, the weekly bank summary, and any rate changes - is posted to the Discord <code>#market-news</code> channel.

The '''Central Bank''' is the server's savings bank. It offers three products: '''flexible savings''' (deposit and withdraw any time), '''7-day bonds''' (locked for a week at a higher rate), and '''stocks''' (the Prosperity Index - the highest long-run returns, with real down weeks). Money in the bank earns weekly returns and still counts toward your net worth. Rates are scaled to server time: one real month is one in-game year, so a good "annual" return arrives in about four real weeks.

== Products ==
{| class="wikitable"
|-
! Product !! Base rate !! Risk !! Liquidity
|-
| Flexible savings || 1% per week || None || Deposit and withdraw any time
|-
| 7-day bond || 1.5% per week, locked in when you buy || None || Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty
|-
| Stocks (Prosperity Index) || ~+3.2% per week on average (daily moves, −8% to +10% per day) || Can lose value on a down day || Buy and sell any time
|}

* '''Rates are paid in full each week.''' The interest pool is funded by taxes and penalties, with the Treasury covering any difference. Bond rates are locked at purchase; flexible rates can change for future weeks.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra.
* The full rate applies to your entire balance - there are no balance caps.
* Minimum deposit: '''$50'''. One bond at a time per player, from $50 up - no maximum.
* '''Capital gains tax:''' bond interest pays net of a '''10%''' tax, and realized stock gains are taxed '''15%''' when you sell. Your deposits and principal are never taxed. Tax proceeds flow back into the bank's interest pool.
* When a bond matures, the principal plus interest is credited automatically to your flexible savings - or, with '''auto-renew''' on (<code>/bond autorenew</code>), it locks straight into a fresh 7-day bond at the then-current rate, compounding week over week.

=== High-yield tiers ===
Large accounts earn '''multiplied rates''' on savings and bonds. Your tier is set by your total account balance - flexible savings, bond, and stocks combined. It applies to weekly savings interest and to the rate locked into new or auto-renewed bonds.

{| class="wikitable"
|-
! Tier !! Total account balance !! Rate multiplier !! Flexible !! Bond
|-
| Standard || under $50,000 || 1× || 1%/week || 1.5%/week
|-
| High-Yield || $50,000+ || 4× || 4%/week || 6%/week
|-
| Private Reserve || $150,000+ || 8× || 8%/week || 12%/week
|}

Tiers apply to savings and bonds only — '''the stock market is the same for everyone''', whatever your balance.

Check your tier with <code>/savings balance</code>.

== Using the bank ==
{| class="wikitable"
|-
! Command !! Description
|-
| <code>/savings</code> || Open the bank menu (works on Bedrock)
|-
| <code>/savings deposit <amount></code> || Deposit cash into flexible savings
|-
| <code>/savings withdraw <amount></code> || Withdraw back to your wallet
|-
| <code>/savings balance</code> || Check your savings and bond
|-
| <code>/bond buy <amount></code> || Buy a 7-day bond at the current locked rate
|-
| <code>/bond status</code> || See your bond's maturity time and projected interest
|-
| <code>/bond autorenew</code> || Toggle automatic renewal at maturity (compounds)
|-
| <code>/bond claim</code> || Exit a bond early (forfeits interest, charges a penalty; you confirm first)
|-
| <code>/stocks invest <amount></code> || Buy into the Prosperity Index
|-
| <code>/stocks sell <amount|all></code> || Sell back to your wallet at the current value
|-
| <code>/stocks status</code> || Your position and last week's market close
|}

=== Stocks ===
The Prosperity Index moves '''once per day''' - the same move for every investor, between roughly '''−8% and +10%''' in a single day. Daily closes are posted to Discord and shown in <code>/stocks status</code>; the week's net move is announced in chat at the weekly close. About half of days are flat or down, but over time the index is built to grow with the server's economy, averaging roughly +3.2% per week. There is no lock and no penalty: buy in or sell out whenever you like. New money rides from the '''next''' daily close, so there are no free same-day gains. Positions can shrink hard on a bad day - never invest cash you cannot afford to see dip.

Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.

== Account terms ==

By making your first deposit, you agree to the terms below. They exist to keep the bank fair and safe for everyone.

=== 1. Your savings are yours ===
Money you deposit stays yours. Flexible savings can be withdrawn at any time. Bond principal is returned when the bond matures (or earlier, with a penalty). The bank does not charge fees to hold your money, and there are no inactivity fees - your savings remain yours for as long as you have an account.

=== 2. Interest ===
Savings and bonds earn interest, paid out weekly.

* '''Rates are paid in full.''' The rate shown in <code>/savings</code> is what you receive, funded by the bank's interest pool (taxes, penalties, and Treasury top-ups).
* '''Bond rates are locked when you buy the bond''' and are honored for the bond's full term. Interest is paid net of the 10% capital gains tax.
* '''Flexible savings rates can change for future weeks.''' We will never reduce interest you have already been paid; changes only affect future periods.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra - money has to actually sit in the account.

=== 3. Bonds ===
* A bond locks your money for its full term (currently '''7 days''') at a fixed rate.
* When it matures, your principal plus interest is credited to your flexible savings.
* '''Ending a bond early''' forfeits all of its interest and charges a small principal penalty. You will always be shown the penalty and asked to confirm before an early exit goes through.
* Bonds set to '''auto-renew''' roll the principal plus paid interest into a new bond at the then-current rate. You can toggle auto-renew at any time before maturity.

=== 3b. Stocks ===
* Stock positions are revalued daily by the shared market move - the same percentage for every investor. '''Values go down as well as up''' - a down day reduces your position, and that reduction is final.
* The market is designed to trend upward with the server economy over the long run, but no specific week or return is guaranteed.
* There is no lock-in: you can sell any part of your position at its current value at any time.
* '''Realized gains are taxed 15% at sale''', measured against what you originally paid in. Selling at or below your cost basis is never taxed.

=== 4. Exploited, duplicated, or mistakenly-credited money ===
The Central Bank runs on a real, tracked economy. To keep it fair:

* '''Money gained from a bug, glitch, duplication, lag, or a system/admin error is not a valid balance.''' Staff may remove or reverse it at any time - even if it has already been spent, traded, moved, or saved into the bank.
* '''If your balance changes in a way you cannot explain''' - a sudden jump, a payment that ran twice, a deposit or interest amount that looks wrong - '''tell staff right away.''' Quietly keeping or moving money you know is bugged is treated as abuse of the economy.
* '''Do not exploit, and do not help others exploit.''' Doing so can mean a rollback of the gains, removal from economy systems, and - depending on severity - a ban.
* '''Honest reporters are rewarded, not punished.''' Find a real bug and report it instead of abusing it and you may earn a bug bounty (past finders have earned cash and crates). Reporting in good faith will never get you in trouble.

=== 5. Account security ===
To protect the bank and its savers, staff may:

* '''Recover money credited in error''' to your account, as described in section 4.
* '''Temporarily freeze an account''' that shows suspicious activity, while it is reviewed. A frozen account can still be viewed; deposits and withdrawals are paused until the review clears.
* '''Review or limit unusually large withdrawals''' for security. Normal saving and withdrawing should not be affected unless a security review or a temporary bank pause is active.

=== 6. Fair use ===
* '''One Central Bank account per player.''' Using alternate accounts to farm interest or get around limits is abuse of the economy and is handled under section 4.

=== 7. Changes to these terms ===
We may update these terms as the bank grows. Material changes will be announced. Continuing to use your account after a change means you accept the updated terms.

''Questions about your account? Ask staff - we're happy to help.''

== See also ==
* [[Economy]] - server economy overview
* [[Commands]] - full command reference
* [[Server rules]] - general conduct rules

[[Category:Economy]]

Banking

2026-06-10T22:07:08Z

Maintenance script: Bank news channel: #market-news

{{Notice|The Central Bank is '''not yet open'''. Savings, bonds, and stocks are installed on the server and will be enabled after final testing. This page describes how the bank will work and the account terms that apply from your first deposit.}}

Bank news - daily market closes, the weekly bank summary, and any rate changes - is posted to the Discord <code>#market-news</code> channel.

The '''Central Bank''' is the server's savings bank. It offers three products: '''flexible savings''' (deposit and withdraw any time), '''7-day bonds''' (locked for a week at a higher rate), and '''stocks''' (the Prosperity Index - the highest long-run returns, with real down weeks). Money in the bank earns weekly returns and still counts toward your net worth. Rates are scaled to server time: one real month is one in-game year, so a good "annual" return arrives in about four real weeks.

== Products ==
{| class="wikitable"
|-
! Product !! Base rate !! Risk !! Liquidity
|-
| Flexible savings || 1% per week || None || Deposit and withdraw any time
|-
| 7-day bond || 1.5% per week, locked in when you buy || None || Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty
|-
| Stocks (Prosperity Index) || ~+3.2% per week on average (daily moves, −8% to +10% per day) || Can lose value on a down day || Buy and sell any time
|}

* '''Rates are paid in full each week.''' The interest pool is funded by taxes and penalties, with the Treasury covering any difference. Bond rates are locked at purchase; flexible rates can change for future weeks.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra.
* The full rate applies to your entire balance - there are no balance caps.
* Minimum deposit: '''$50'''. One bond at a time per player, from $50 up - no maximum.
* When a bond matures, the principal plus interest is credited automatically to your flexible savings - or, with '''auto-renew''' on (<code>/bond autorenew</code>), it locks straight into a fresh 7-day bond at the then-current rate, compounding week over week.

=== High-yield tiers ===
Large accounts earn '''multiplied rates''' on savings and bonds. Your tier is set by your total account balance - flexible savings, bond, and stocks combined. It applies to weekly savings interest and to the rate locked into new or auto-renewed bonds.

{| class="wikitable"
|-
! Tier !! Total account balance !! Rate multiplier !! Flexible !! Bond
|-
| Standard || under $50,000 || 1× || 1%/week || 1.5%/week
|-
| High-Yield || $50,000+ || 4× || 4%/week || 6%/week
|-
| Private Reserve || $150,000+ || 8× || 8%/week || 12%/week
|}

Tiers apply to savings and bonds only — '''the stock market is the same for everyone''', whatever your balance.

Check your tier with <code>/savings balance</code>.

== Using the bank ==
{| class="wikitable"
|-
! Command !! Description
|-
| <code>/savings</code> || Open the bank menu (works on Bedrock)
|-
| <code>/savings deposit <amount></code> || Deposit cash into flexible savings
|-
| <code>/savings withdraw <amount></code> || Withdraw back to your wallet
|-
| <code>/savings balance</code> || Check your savings and bond
|-
| <code>/bond buy <amount></code> || Buy a 7-day bond at the current locked rate
|-
| <code>/bond status</code> || See your bond's maturity time and projected interest
|-
| <code>/bond autorenew</code> || Toggle automatic renewal at maturity (compounds)
|-
| <code>/bond claim</code> || Exit a bond early (forfeits interest, charges a penalty; you confirm first)
|-
| <code>/stocks invest <amount></code> || Buy into the Prosperity Index
|-
| <code>/stocks sell <amount|all></code> || Sell back to your wallet at the current value
|-
| <code>/stocks status</code> || Your position and last week's market close
|}

=== Stocks ===
The Prosperity Index moves '''once per day''' - the same move for every investor, between roughly '''−8% and +10%''' in a single day. Daily closes are posted to Discord and shown in <code>/stocks status</code>; the week's net move is announced in chat at the weekly close. About half of days are flat or down, but over time the index is built to grow with the server's economy, averaging roughly +3.2% per week. There is no lock and no penalty: buy in or sell out whenever you like. New money rides from the '''next''' daily close, so there are no free same-day gains. Positions can shrink hard on a bad day - never invest cash you cannot afford to see dip.

Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.

== Account terms ==

By making your first deposit, you agree to the terms below. They exist to keep the bank fair and safe for everyone.

=== 1. Your savings are yours ===
Money you deposit stays yours. Flexible savings can be withdrawn at any time. Bond principal is returned when the bond matures (or earlier, with a penalty). The bank does not charge fees to hold your money, and there are no inactivity fees - your savings remain yours for as long as you have an account.

=== 2. Interest ===
Savings and bonds earn interest, paid out weekly.

* '''Rates are paid in full.''' The rate shown in <code>/savings</code> is what you receive, funded by the bank's interest pool (taxes, penalties, and Treasury top-ups).
* '''Bond rates are locked when you buy the bond''' and are honored for the bond's full term.
* '''Flexible savings rates can change for future weeks.''' We will never reduce interest you have already been paid; changes only affect future periods.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra - money has to actually sit in the account.

=== 3. Bonds ===
* A bond locks your money for its full term (currently '''7 days''') at a fixed rate.
* When it matures, your principal plus interest is credited to your flexible savings.
* '''Ending a bond early''' forfeits all of its interest and charges a small principal penalty. You will always be shown the penalty and asked to confirm before an early exit goes through.
* Bonds set to '''auto-renew''' roll the principal plus paid interest into a new bond at the then-current rate. You can toggle auto-renew at any time before maturity.

=== 3b. Stocks ===
* Stock positions are revalued daily by the shared market move - the same percentage for every investor. '''Values go down as well as up''' - a down day reduces your position, and that reduction is final.
* The market is designed to trend upward with the server economy over the long run, but no specific week or return is guaranteed.
* There is no lock-in: you can sell any part of your position at its current value at any time.

=== 4. Exploited, duplicated, or mistakenly-credited money ===
The Central Bank runs on a real, tracked economy. To keep it fair:

* '''Money gained from a bug, glitch, duplication, lag, or a system/admin error is not a valid balance.''' Staff may remove or reverse it at any time - even if it has already been spent, traded, moved, or saved into the bank.
* '''If your balance changes in a way you cannot explain''' - a sudden jump, a payment that ran twice, a deposit or interest amount that looks wrong - '''tell staff right away.''' Quietly keeping or moving money you know is bugged is treated as abuse of the economy.
* '''Do not exploit, and do not help others exploit.''' Doing so can mean a rollback of the gains, removal from economy systems, and - depending on severity - a ban.
* '''Honest reporters are rewarded, not punished.''' Find a real bug and report it instead of abusing it and you may earn a bug bounty (past finders have earned cash and crates). Reporting in good faith will never get you in trouble.

=== 5. Account security ===
To protect the bank and its savers, staff may:

* '''Recover money credited in error''' to your account, as described in section 4.
* '''Temporarily freeze an account''' that shows suspicious activity, while it is reviewed. A frozen account can still be viewed; deposits and withdrawals are paused until the review clears.
* '''Review or limit unusually large withdrawals''' for security. Normal saving and withdrawing should not be affected unless a security review or a temporary bank pause is active.

=== 6. Fair use ===
* '''One Central Bank account per player.''' Using alternate accounts to farm interest or get around limits is abuse of the economy and is handled under section 4.

=== 7. Changes to these terms ===
We may update these terms as the bank grows. Material changes will be announced. Continuing to use your account after a change means you accept the updated terms.

''Questions about your account? Ask staff - we're happy to help.''

== See also ==
* [[Economy]] - server economy overview
* [[Commands]] - full command reference
* [[Server rules]] - general conduct rules

[[Category:Economy]]

Banking

2026-06-10T21:55:46Z

Maintenance script: Banking v1.6: untiered stocks, wider daily range, Discord bank news

{{Notice|The Central Bank is '''not yet open'''. Savings, bonds, and stocks are installed on the server and will be enabled after final testing. This page describes how the bank will work and the account terms that apply from your first deposit.}}

Bank news - daily market closes, the weekly bank summary, and any rate changes - is posted to the Discord announcements channel.

The '''Central Bank''' is the server's savings bank. It offers three products: '''flexible savings''' (deposit and withdraw any time), '''7-day bonds''' (locked for a week at a higher rate), and '''stocks''' (the Prosperity Index - the highest long-run returns, with real down weeks). Money in the bank earns weekly returns and still counts toward your net worth. Rates are scaled to server time: one real month is one in-game year, so a good "annual" return arrives in about four real weeks.

== Products ==
{| class="wikitable"
|-
! Product !! Base rate !! Risk !! Liquidity
|-
| Flexible savings || 1% per week || None || Deposit and withdraw any time
|-
| 7-day bond || 1.5% per week, locked in when you buy || None || Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty
|-
| Stocks (Prosperity Index) || ~+3.2% per week on average (daily moves, −8% to +10% per day) || Can lose value on a down day || Buy and sell any time
|}

* '''Rates are paid in full each week.''' The interest pool is funded by taxes and penalties, with the Treasury covering any difference. Bond rates are locked at purchase; flexible rates can change for future weeks.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra.
* The full rate applies to your entire balance - there are no balance caps.
* Minimum deposit: '''$50'''. One bond at a time per player, from $50 up - no maximum.
* When a bond matures, the principal plus interest is credited automatically to your flexible savings - or, with '''auto-renew''' on (<code>/bond autorenew</code>), it locks straight into a fresh 7-day bond at the then-current rate, compounding week over week.

=== High-yield tiers ===
Large accounts earn '''multiplied rates''' on savings and bonds. Your tier is set by your total account balance - flexible savings, bond, and stocks combined. It applies to weekly savings interest and to the rate locked into new or auto-renewed bonds.

{| class="wikitable"
|-
! Tier !! Total account balance !! Rate multiplier !! Flexible !! Bond
|-
| Standard || under $50,000 || 1× || 1%/week || 1.5%/week
|-
| High-Yield || $50,000+ || 4× || 4%/week || 6%/week
|-
| Private Reserve || $150,000+ || 8× || 8%/week || 12%/week
|}

Tiers apply to savings and bonds only — '''the stock market is the same for everyone''', whatever your balance.

Check your tier with <code>/savings balance</code>.

== Using the bank ==
{| class="wikitable"
|-
! Command !! Description
|-
| <code>/savings</code> || Open the bank menu (works on Bedrock)
|-
| <code>/savings deposit <amount></code> || Deposit cash into flexible savings
|-
| <code>/savings withdraw <amount></code> || Withdraw back to your wallet
|-
| <code>/savings balance</code> || Check your savings and bond
|-
| <code>/bond buy <amount></code> || Buy a 7-day bond at the current locked rate
|-
| <code>/bond status</code> || See your bond's maturity time and projected interest
|-
| <code>/bond autorenew</code> || Toggle automatic renewal at maturity (compounds)
|-
| <code>/bond claim</code> || Exit a bond early (forfeits interest, charges a penalty; you confirm first)
|-
| <code>/stocks invest <amount></code> || Buy into the Prosperity Index
|-
| <code>/stocks sell <amount|all></code> || Sell back to your wallet at the current value
|-
| <code>/stocks status</code> || Your position and last week's market close
|}

=== Stocks ===
The Prosperity Index moves '''once per day''' - the same move for every investor, between roughly '''−8% and +10%''' in a single day. Daily closes are posted to Discord and shown in <code>/stocks status</code>; the week's net move is announced in chat at the weekly close. About half of days are flat or down, but over time the index is built to grow with the server's economy, averaging roughly +3.2% per week. There is no lock and no penalty: buy in or sell out whenever you like. New money rides from the '''next''' daily close, so there are no free same-day gains. Positions can shrink hard on a bad day - never invest cash you cannot afford to see dip.

Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.

== Account terms ==

By making your first deposit, you agree to the terms below. They exist to keep the bank fair and safe for everyone.

=== 1. Your savings are yours ===
Money you deposit stays yours. Flexible savings can be withdrawn at any time. Bond principal is returned when the bond matures (or earlier, with a penalty). The bank does not charge fees to hold your money, and there are no inactivity fees - your savings remain yours for as long as you have an account.

=== 2. Interest ===
Savings and bonds earn interest, paid out weekly.

* '''Rates are paid in full.''' The rate shown in <code>/savings</code> is what you receive, funded by the bank's interest pool (taxes, penalties, and Treasury top-ups).
* '''Bond rates are locked when you buy the bond''' and are honored for the bond's full term.
* '''Flexible savings rates can change for future weeks.''' We will never reduce interest you have already been paid; changes only affect future periods.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra - money has to actually sit in the account.

=== 3. Bonds ===
* A bond locks your money for its full term (currently '''7 days''') at a fixed rate.
* When it matures, your principal plus interest is credited to your flexible savings.
* '''Ending a bond early''' forfeits all of its interest and charges a small principal penalty. You will always be shown the penalty and asked to confirm before an early exit goes through.
* Bonds set to '''auto-renew''' roll the principal plus paid interest into a new bond at the then-current rate. You can toggle auto-renew at any time before maturity.

=== 3b. Stocks ===
* Stock positions are revalued daily by the shared market move - the same percentage for every investor. '''Values go down as well as up''' - a down day reduces your position, and that reduction is final.
* The market is designed to trend upward with the server economy over the long run, but no specific week or return is guaranteed.
* There is no lock-in: you can sell any part of your position at its current value at any time.

=== 4. Exploited, duplicated, or mistakenly-credited money ===
The Central Bank runs on a real, tracked economy. To keep it fair:

* '''Money gained from a bug, glitch, duplication, lag, or a system/admin error is not a valid balance.''' Staff may remove or reverse it at any time - even if it has already been spent, traded, moved, or saved into the bank.
* '''If your balance changes in a way you cannot explain''' - a sudden jump, a payment that ran twice, a deposit or interest amount that looks wrong - '''tell staff right away.''' Quietly keeping or moving money you know is bugged is treated as abuse of the economy.
* '''Do not exploit, and do not help others exploit.''' Doing so can mean a rollback of the gains, removal from economy systems, and - depending on severity - a ban.
* '''Honest reporters are rewarded, not punished.''' Find a real bug and report it instead of abusing it and you may earn a bug bounty (past finders have earned cash and crates). Reporting in good faith will never get you in trouble.

=== 5. Account security ===
To protect the bank and its savers, staff may:

* '''Recover money credited in error''' to your account, as described in section 4.
* '''Temporarily freeze an account''' that shows suspicious activity, while it is reviewed. A frozen account can still be viewed; deposits and withdrawals are paused until the review clears.
* '''Review or limit unusually large withdrawals''' for security. Normal saving and withdrawing should not be affected unless a security review or a temporary bank pause is active.

=== 6. Fair use ===
* '''One Central Bank account per player.''' Using alternate accounts to farm interest or get around limits is abuse of the economy and is handled under section 4.

=== 7. Changes to these terms ===
We may update these terms as the bank grows. Material changes will be announced. Continuing to use your account after a change means you accept the updated terms.

''Questions about your account? Ask staff - we're happy to help.''

== See also ==
* [[Economy]] - server economy overview
* [[Commands]] - full command reference
* [[Server rules]] - general conduct rules

[[Category:Economy]]

Banking

2026-06-10T21:45:44Z

Maintenance script: Banking v1.5: daily market ticks + tier-scaled stock swings

{{Notice|The Central Bank is '''not yet open'''. Savings and bonds are installed on the server and will be enabled after final testing. This page describes how the bank will work and the account terms that apply from your first deposit.}}

The '''Central Bank''' is the server's savings bank. It offers three products: '''flexible savings''' (deposit and withdraw any time), '''7-day bonds''' (locked for a week at a higher rate), and '''stocks''' (the Prosperity Index - the highest long-run returns, with real down weeks). Money in the bank earns weekly returns and still counts toward your net worth. Rates are scaled to server time: one real month is one in-game year, so a good "annual" return arrives in about four real weeks.

== Products ==
{| class="wikitable"
|-
! Product !! Base rate !! Risk !! Liquidity
|-
| Flexible savings || 1% per week || None || Deposit and withdraw any time
|-
| 7-day bond || 1.5% per week, locked in when you buy || None || Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty
|-
| Stocks (Prosperity Index) || ~+2.8% per week on average (daily moves) || Can lose value on a down day || Buy and sell any time
|}

* '''Rates are paid in full each week.''' The interest pool is funded by taxes and penalties, with the Treasury covering any difference. Bond rates are locked at purchase; flexible rates can change for future weeks.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra.
* The full rate applies to your entire balance - there are no balance caps.
* Minimum deposit: '''$50'''. One bond at a time per player, from $50 up - no maximum.
* When a bond matures, the principal plus interest is credited automatically to your flexible savings - or, with '''auto-renew''' on (<code>/bond autorenew</code>), it locks straight into a fresh 7-day bond at the then-current rate, compounding week over week.

=== High-yield tiers ===
Large accounts earn '''multiplied rates'''. Your tier is set by your total account balance - flexible savings, bond, and stocks combined. It applies to weekly savings interest, to the rate locked into new or auto-renewed bonds, and it '''amplifies your stock market swing in both directions''' - so stocks out-earn bonds in the long run at every tier, with risk to match.

{| class="wikitable"
|-
! Tier !! Total account balance !! Rate multiplier !! Flexible !! Bond !! Stock swing
|-
| Standard || under $50,000 || 1× || 1%/week || 1.5%/week || 1× the market
|-
| High-Yield || $50,000+ || 4× || 4%/week || 6%/week || 4× the market (up AND down)
|-
| Private Reserve || $150,000+ || 8× || 8%/week || 12%/week || 8× the market (up AND down)
|}

Check your tier with <code>/savings balance</code>.

== Using the bank ==
{| class="wikitable"
|-
! Command !! Description
|-
| <code>/savings</code> || Open the bank menu (works on Bedrock)
|-
| <code>/savings deposit <amount></code> || Deposit cash into flexible savings
|-
| <code>/savings withdraw <amount></code> || Withdraw back to your wallet
|-
| <code>/savings balance</code> || Check your savings and bond
|-
| <code>/bond buy <amount></code> || Buy a 7-day bond at the current locked rate
|-
| <code>/bond status</code> || See your bond's maturity time and projected interest
|-
| <code>/bond autorenew</code> || Toggle automatic renewal at maturity (compounds)
|-
| <code>/bond claim</code> || Exit a bond early (forfeits interest, charges a penalty; you confirm first)
|-
| <code>/stocks invest <amount></code> || Buy into the Prosperity Index
|-
| <code>/stocks sell <amount|all></code> || Sell back to your wallet at the current value
|-
| <code>/stocks status</code> || Your position and last week's market close
|}

=== Stocks ===
The Prosperity Index moves '''once per day''' - everyone shares the same market, and the week's net move is announced in chat at the weekly close (daily closes show in <code>/stocks status</code>). Most days are up, some are down; over time the index is built to grow with the server's economy, averaging roughly +2.8% per week at the standard tier - the best long-run return in the bank, ahead of bonds. High-yield tiers ride a 4× or 8× version of every daily move, up and down. There is no lock and no penalty: buy in or sell out whenever you like. New money rides from the '''next''' daily close, so there are no free same-day gains. Positions can shrink on a down day - never invest cash you cannot afford to see dip.

Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.

== Account terms ==

By making your first deposit, you agree to the terms below. They exist to keep the bank fair and safe for everyone.

=== 1. Your savings are yours ===
Money you deposit stays yours. Flexible savings can be withdrawn at any time. Bond principal is returned when the bond matures (or earlier, with a penalty). The bank does not charge fees to hold your money, and there are no inactivity fees - your savings remain yours for as long as you have an account.

=== 2. Interest ===
Savings and bonds earn interest, paid out weekly.

* '''Rates are paid in full.''' The rate shown in <code>/savings</code> is what you receive, funded by the bank's interest pool (taxes, penalties, and Treasury top-ups).
* '''Bond rates are locked when you buy the bond''' and are honored for the bond's full term.
* '''Flexible savings rates can change for future weeks.''' We will never reduce interest you have already been paid; changes only affect future periods.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra - money has to actually sit in the account.

=== 3. Bonds ===
* A bond locks your money for its full term (currently '''7 days''') at a fixed rate.
* When it matures, your principal plus interest is credited to your flexible savings.
* '''Ending a bond early''' forfeits all of its interest and charges a small principal penalty. You will always be shown the penalty and asked to confirm before an early exit goes through.
* Bonds set to '''auto-renew''' roll the principal plus paid interest into a new bond at the then-current rate. You can toggle auto-renew at any time before maturity.

=== 3b. Stocks ===
* Stock positions are revalued daily by the shared market move (amplified by your account tier). '''Values go down as well as up''' - a down day reduces your position, and that reduction is final.
* The market is designed to trend upward with the server economy over the long run, but no specific week or return is guaranteed.
* There is no lock-in: you can sell any part of your position at its current value at any time.

=== 4. Exploited, duplicated, or mistakenly-credited money ===
The Central Bank runs on a real, tracked economy. To keep it fair:

* '''Money gained from a bug, glitch, duplication, lag, or a system/admin error is not a valid balance.''' Staff may remove or reverse it at any time - even if it has already been spent, traded, moved, or saved into the bank.
* '''If your balance changes in a way you cannot explain''' - a sudden jump, a payment that ran twice, a deposit or interest amount that looks wrong - '''tell staff right away.''' Quietly keeping or moving money you know is bugged is treated as abuse of the economy.
* '''Do not exploit, and do not help others exploit.''' Doing so can mean a rollback of the gains, removal from economy systems, and - depending on severity - a ban.
* '''Honest reporters are rewarded, not punished.''' Find a real bug and report it instead of abusing it and you may earn a bug bounty (past finders have earned cash and crates). Reporting in good faith will never get you in trouble.

=== 5. Account security ===
To protect the bank and its savers, staff may:

* '''Recover money credited in error''' to your account, as described in section 4.
* '''Temporarily freeze an account''' that shows suspicious activity, while it is reviewed. A frozen account can still be viewed; deposits and withdrawals are paused until the review clears.
* '''Review or limit unusually large withdrawals''' for security. Normal saving and withdrawing should not be affected unless a security review or a temporary bank pause is active.

=== 6. Fair use ===
* '''One Central Bank account per player.''' Using alternate accounts to farm interest or get around limits is abuse of the economy and is handled under section 4.

=== 7. Changes to these terms ===
We may update these terms as the bank grows. Material changes will be announced. Continuing to use your account after a change means you accept the updated terms.

''Questions about your account? Ask staff - we're happy to help.''

== See also ==
* [[Economy]] - server economy overview
* [[Commands]] - full command reference
* [[Server rules]] - general conduct rules

[[Category:Economy]]

Banking

2026-06-10T21:34:01Z

Maintenance script: Banking v1.4: server-time rates (1%/1.5%/wk) + stocks (Prosperity Index)

{{Notice|The Central Bank is '''not yet open'''. Savings and bonds are installed on the server and will be enabled after final testing. This page describes how the bank will work and the account terms that apply from your first deposit.}}

The '''Central Bank''' is the server's savings bank. It offers three products: '''flexible savings''' (deposit and withdraw any time), '''7-day bonds''' (locked for a week at a higher rate), and '''stocks''' (the Prosperity Index - the highest long-run returns, with real down weeks). Money in the bank earns weekly returns and still counts toward your net worth. Rates are scaled to server time: one real month is one in-game year, so a good "annual" return arrives in about four real weeks.

== Products ==
{| class="wikitable"
|-
! Product !! Base rate !! Risk !! Liquidity
|-
| Flexible savings || 1% per week || None || Deposit and withdraw any time
|-
| 7-day bond || 1.5% per week, locked in when you buy || None || Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty
|-
| Stocks (Prosperity Index) || ~+2.3% per week on average || Can lose value in a down week || Buy and sell any time
|}

* '''Rates are paid in full each week.''' The interest pool is funded by taxes and penalties, with the Treasury covering any difference. Bond rates are locked at purchase; flexible rates can change for future weeks.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra.
* The full rate applies to your entire balance - there are no balance caps.
* Minimum deposit: '''$50'''. One bond at a time per player, from $50 up - no maximum.
* When a bond matures, the principal plus interest is credited automatically to your flexible savings - or, with '''auto-renew''' on (<code>/bond autorenew</code>), it locks straight into a fresh 7-day bond at the then-current rate, compounding week over week.

=== High-yield tiers ===
Large accounts earn '''multiplied rates'''. Your tier is set by your total account balance - flexible savings, bond, and stocks combined - and applies to weekly savings interest and to the rate locked into new or auto-renewed bonds. (Stock returns are market-driven and are not multiplied.)

{| class="wikitable"
|-
! Tier !! Total account balance !! Rate multiplier !! Flexible !! Bond
|-
| Standard || under $50,000 || 1× || 1%/week || 1.5%/week
|-
| High-Yield || $50,000+ || 4× || 4%/week || 6%/week
|-
| Private Reserve || $150,000+ || 8× || 8%/week || 12%/week
|}

Check your tier with <code>/savings balance</code>.

== Using the bank ==
{| class="wikitable"
|-
! Command !! Description
|-
| <code>/savings</code> || Open the bank menu (works on Bedrock)
|-
| <code>/savings deposit <amount></code> || Deposit cash into flexible savings
|-
| <code>/savings withdraw <amount></code> || Withdraw back to your wallet
|-
| <code>/savings balance</code> || Check your savings and bond
|-
| <code>/bond buy <amount></code> || Buy a 7-day bond at the current locked rate
|-
| <code>/bond status</code> || See your bond's maturity time and projected interest
|-
| <code>/bond autorenew</code> || Toggle automatic renewal at maturity (compounds)
|-
| <code>/bond claim</code> || Exit a bond early (forfeits interest, charges a penalty; you confirm first)
|-
| <code>/stocks invest <amount></code> || Buy into the Prosperity Index
|-
| <code>/stocks sell <amount|all></code> || Sell back to your wallet at the current value
|-
| <code>/stocks status</code> || Your position and last week's market close
|}

=== Stocks ===
The Prosperity Index moves '''once per week''' - everyone shares the same market week, announced in chat at the weekly close. Most weeks are up, some are down; over time the index is built to grow with the server's economy, averaging roughly +2.3% per week - the best long-run return in the bank, ahead of bonds. There is no lock and no penalty: buy in or sell out whenever you like. New money rides from the '''following''' week's close, so you cannot buy in the night before a close for a free week. Positions can shrink in a down week - never invest cash you cannot afford to see dip.

Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.

== Account terms ==

By making your first deposit, you agree to the terms below. They exist to keep the bank fair and safe for everyone.

=== 1. Your savings are yours ===
Money you deposit stays yours. Flexible savings can be withdrawn at any time. Bond principal is returned when the bond matures (or earlier, with a penalty). The bank does not charge fees to hold your money, and there are no inactivity fees - your savings remain yours for as long as you have an account.

=== 2. Interest ===
Savings and bonds earn interest, paid out weekly.

* '''Rates are paid in full.''' The rate shown in <code>/savings</code> is what you receive, funded by the bank's interest pool (taxes, penalties, and Treasury top-ups).
* '''Bond rates are locked when you buy the bond''' and are honored for the bond's full term.
* '''Flexible savings rates can change for future weeks.''' We will never reduce interest you have already been paid; changes only affect future periods.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra - money has to actually sit in the account.

=== 3. Bonds ===
* A bond locks your money for its full term (currently '''7 days''') at a fixed rate.
* When it matures, your principal plus interest is credited to your flexible savings.
* '''Ending a bond early''' forfeits all of its interest and charges a small principal penalty. You will always be shown the penalty and asked to confirm before an early exit goes through.
* Bonds set to '''auto-renew''' roll the principal plus paid interest into a new bond at the then-current rate. You can toggle auto-renew at any time before maturity.

=== 3b. Stocks ===
* Stock positions are revalued weekly by the shared market move. '''Values go down as well as up''' - a down week reduces your position, and that reduction is final.
* The market is designed to trend upward with the server economy over the long run, but no specific week or return is guaranteed.
* There is no lock-in: you can sell any part of your position at its current value at any time.

=== 4. Exploited, duplicated, or mistakenly-credited money ===
The Central Bank runs on a real, tracked economy. To keep it fair:

* '''Money gained from a bug, glitch, duplication, lag, or a system/admin error is not a valid balance.''' Staff may remove or reverse it at any time - even if it has already been spent, traded, moved, or saved into the bank.
* '''If your balance changes in a way you cannot explain''' - a sudden jump, a payment that ran twice, a deposit or interest amount that looks wrong - '''tell staff right away.''' Quietly keeping or moving money you know is bugged is treated as abuse of the economy.
* '''Do not exploit, and do not help others exploit.''' Doing so can mean a rollback of the gains, removal from economy systems, and - depending on severity - a ban.
* '''Honest reporters are rewarded, not punished.''' Find a real bug and report it instead of abusing it and you may earn a bug bounty (past finders have earned cash and crates). Reporting in good faith will never get you in trouble.

=== 5. Account security ===
To protect the bank and its savers, staff may:

* '''Recover money credited in error''' to your account, as described in section 4.
* '''Temporarily freeze an account''' that shows suspicious activity, while it is reviewed. A frozen account can still be viewed; deposits and withdrawals are paused until the review clears.
* '''Review or limit unusually large withdrawals''' for security. Normal saving and withdrawing should not be affected unless a security review or a temporary bank pause is active.

=== 6. Fair use ===
* '''One Central Bank account per player.''' Using alternate accounts to farm interest or get around limits is abuse of the economy and is handled under section 4.

=== 7. Changes to these terms ===
We may update these terms as the bank grows. Material changes will be announced. Continuing to use your account after a change means you accept the updated terms.

''Questions about your account? Ask staff - we're happy to help.''

== See also ==
* [[Economy]] - server economy overview
* [[Commands]] - full command reference
* [[Server rules]] - general conduct rules

[[Category:Economy]]

Banking

2026-06-10T21:24:45Z

Maintenance script: Banking: structure fix + base-rate labels

{{Notice|The Central Bank is '''not yet open'''. Savings and bonds are installed on the server and will be enabled after final testing. This page describes how the bank will work and the account terms that apply from your first deposit.}}

The '''Central Bank''' is the server's savings bank. It offers two products: '''flexible savings''', which can be deposited and withdrawn at any time, and '''7-day bonds''', which lock money for a week at a higher rate. Savings give cash a reason to be held: money in the bank earns weekly interest and still counts toward your net worth.

== Products ==
{| class="wikitable"
|-
! Product !! Base rate !! Liquidity
|-
| Flexible savings || 0.15% per week || Deposit and withdraw any time
|-
| 7-day bond || 0.40% per week, locked in when you buy || Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty
|}

* '''Rates are paid in full each week.''' The interest pool is funded by taxes and penalties, with the Treasury covering any difference. Bond rates are locked at purchase; flexible rates can change for future weeks.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra.
* The full rate applies to your entire balance - there are no balance caps.
* Minimum deposit: '''$50'''. One bond at a time per player, from $50 up - no maximum.
* When a bond matures, the principal plus interest is credited automatically to your flexible savings - or, with '''auto-renew''' on (<code>/bond autorenew</code>), it locks straight into a fresh 7-day bond at the then-current rate, compounding week over week.

=== High-yield tiers ===
Large accounts earn '''multiplied rates'''. Your tier is set by your total account balance - flexible savings and bond combined - and applies to weekly savings interest and to the rate locked into new or auto-renewed bonds.

{| class="wikitable"
|-
! Tier !! Total account balance !! Rate multiplier !! Flexible !! Bond
|-
| Standard || under $50,000 || 1× || 0.15%/week || 0.40%/week
|-
| High-Yield || $50,000+ || 4× || 0.60%/week || 1.60%/week
|-
| Private Reserve || $150,000+ || 8× || 1.20%/week || 3.20%/week
|}

Check your tier with <code>/savings balance</code>.

== Using the bank ==
{| class="wikitable"
|-
! Command !! Description
|-
| <code>/savings</code> || Open the bank menu (works on Bedrock)
|-
| <code>/savings deposit <amount></code> || Deposit cash into flexible savings
|-
| <code>/savings withdraw <amount></code> || Withdraw back to your wallet
|-
| <code>/savings balance</code> || Check your savings and bond
|-
| <code>/bond buy <amount></code> || Buy a 7-day bond at the current locked rate
|-
| <code>/bond status</code> || See your bond's maturity time and projected interest
|-
| <code>/bond autorenew</code> || Toggle automatic renewal at maturity (compounds)
|-
| <code>/bond claim</code> || Exit a bond early (forfeits interest, charges a penalty; you confirm first)
|}

Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.

== Account terms ==

By making your first deposit, you agree to the terms below. They exist to keep the bank fair and safe for everyone.

=== 1. Your savings are yours ===
Money you deposit stays yours. Flexible savings can be withdrawn at any time. Bond principal is returned when the bond matures (or earlier, with a penalty). The bank does not charge fees to hold your money, and there are no inactivity fees - your savings remain yours for as long as you have an account.

=== 2. Interest ===
Savings and bonds earn interest, paid out weekly.

* '''Rates are paid in full.''' The rate shown in <code>/savings</code> is what you receive, funded by the bank's interest pool (taxes, penalties, and Treasury top-ups).
* '''Bond rates are locked when you buy the bond''' and are honored for the bond's full term.
* '''Flexible savings rates can change for future weeks.''' We will never reduce interest you have already been paid; changes only affect future periods.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra - money has to actually sit in the account.

=== 3. Bonds ===
* A bond locks your money for its full term (currently '''7 days''') at a fixed rate.
* When it matures, your principal plus interest is credited to your flexible savings.
* '''Ending a bond early''' forfeits all of its interest and charges a small principal penalty. You will always be shown the penalty and asked to confirm before an early exit goes through.
* Bonds set to '''auto-renew''' roll the principal plus paid interest into a new bond at the then-current rate. You can toggle auto-renew at any time before maturity.

=== 4. Exploited, duplicated, or mistakenly-credited money ===
The Central Bank runs on a real, tracked economy. To keep it fair:

* '''Money gained from a bug, glitch, duplication, lag, or a system/admin error is not a valid balance.''' Staff may remove or reverse it at any time - even if it has already been spent, traded, moved, or saved into the bank.
* '''If your balance changes in a way you cannot explain''' - a sudden jump, a payment that ran twice, a deposit or interest amount that looks wrong - '''tell staff right away.''' Quietly keeping or moving money you know is bugged is treated as abuse of the economy.
* '''Do not exploit, and do not help others exploit.''' Doing so can mean a rollback of the gains, removal from economy systems, and - depending on severity - a ban.
* '''Honest reporters are rewarded, not punished.''' Find a real bug and report it instead of abusing it and you may earn a bug bounty (past finders have earned cash and crates). Reporting in good faith will never get you in trouble.

=== 5. Account security ===
To protect the bank and its savers, staff may:

* '''Recover money credited in error''' to your account, as described in section 4.
* '''Temporarily freeze an account''' that shows suspicious activity, while it is reviewed. A frozen account can still be viewed; deposits and withdrawals are paused until the review clears.
* '''Review or limit unusually large withdrawals''' for security. Normal saving and withdrawing should not be affected unless a security review or a temporary bank pause is active.

=== 6. Fair use ===
* '''One Central Bank account per player.''' Using alternate accounts to farm interest or get around limits is abuse of the economy and is handled under section 4.

=== 7. Changes to these terms ===
We may update these terms as the bank grows. Material changes will be announced. Continuing to use your account after a change means you accept the updated terms.

''Questions about your account? Ask staff - we're happy to help.''

== See also ==
* [[Economy]] - server economy overview
* [[Commands]] - full command reference
* [[Server rules]] - general conduct rules

[[Category:Economy]]

Banking

2026-06-10T21:24:26Z

Maintenance script: Banking v1.3: rates are guaranteed (Treasury-backed interest pool)

{{Notice|The Central Bank is '''not yet open'''. Savings and bonds are installed on the server and will be enabled after final testing. This page describes how the bank will work and the account terms that apply from your first deposit.}}

The '''Central Bank''' is the server's savings bank. It offers two products: '''flexible savings''', which can be deposited and withdrawn at any time, and '''7-day bonds''', which lock money for a week at a higher rate. Savings give cash a reason to be held: money in the bank earns weekly interest and still counts toward your net worth.

== Products ==
{| class="wikitable"
|-
! Product !! Target rate !! Liquidity
|-
| Flexible savings || 0.15% per week || Deposit and withdraw any time
|-
| 7-day bond || 0.40% per week, locked in when you buy || Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty
|}

* '''Rates are paid in full each week.''' The interest pool is funded by taxes and penalties, with the Treasury covering any difference. Bond rates are locked at purchase; flexible rates can change for future weeks.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra.
* The full rate applies to your entire balance - there are no balance caps.
* Minimum deposit: '''$50'''. One bond at a time per player, from $50 up - no maximum.

=== High-yield tiers ===
Large accounts earn '''multiplied rates'''. Your tier is set by your total account balance - flexible savings and bond combined - and applies to weekly savings interest and to the rate locked into new or auto-renewed bonds.

{| class="wikitable"
|-
! Tier !! Total account balance !! Rate multiplier !! Flexible (target) !! Bond (target)
|-
| Standard || under $50,000 || 1× || 0.15%/week || 0.40%/week
|-
| High-Yield || $50,000+ || 4× || 0.60%/week || 1.60%/week
|-
| Private Reserve || $150,000+ || 8× || 1.20%/week || 3.20%/week
|}

Check your tier with <code>/savings balance</code>.
* When a bond matures, the principal plus interest is credited automatically to your flexible savings - or, with '''auto-renew''' on (<code>/bond autorenew</code>), it locks straight into a fresh 7-day bond at the then-current rate, compounding week over week.

== Using the bank ==
{| class="wikitable"
|-
! Command !! Description
|-
| <code>/savings</code> || Open the bank menu (works on Bedrock)
|-
| <code>/savings deposit <amount></code> || Deposit cash into flexible savings
|-
| <code>/savings withdraw <amount></code> || Withdraw back to your wallet
|-
| <code>/savings balance</code> || Check your savings and bond
|-
| <code>/bond buy <amount></code> || Buy a 7-day bond at the current locked rate
|-
| <code>/bond status</code> || See your bond's maturity time and projected interest
|-
| <code>/bond autorenew</code> || Toggle automatic renewal at maturity (compounds)
|-
| <code>/bond claim</code> || Exit a bond early (forfeits interest, charges a penalty; you confirm first)
|}

Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.

== Account terms ==

By making your first deposit, you agree to the terms below. They exist to keep the bank fair and safe for everyone.

=== 1. Your savings are yours ===
Money you deposit stays yours. Flexible savings can be withdrawn at any time. Bond principal is returned when the bond matures (or earlier, with a penalty). The bank does not charge fees to hold your money, and there are no inactivity fees - your savings remain yours for as long as you have an account.

=== 2. Interest ===
Savings and bonds earn interest, paid out weekly.

* '''Rates are paid in full.''' The rate shown in <code>/savings</code> is what you receive, funded by the bank's interest pool (taxes, penalties, and Treasury top-ups).
* '''Bond rates are locked when you buy the bond''' and are honored for the bond's full term.
* '''Flexible savings rates can change for future weeks.''' We will never reduce interest you have already been paid; changes only affect future periods.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra - money has to actually sit in the account.

=== 3. Bonds ===
* A bond locks your money for its full term (currently '''7 days''') at a fixed rate.
* When it matures, your principal plus interest is credited to your flexible savings.
* '''Ending a bond early''' forfeits all of its interest and charges a small principal penalty. You will always be shown the penalty and asked to confirm before an early exit goes through.
* Bonds set to '''auto-renew''' roll the principal plus paid interest into a new bond at the then-current rate. You can toggle auto-renew at any time before maturity.

=== 4. Exploited, duplicated, or mistakenly-credited money ===
The Central Bank runs on a real, tracked economy. To keep it fair:

* '''Money gained from a bug, glitch, duplication, lag, or a system/admin error is not a valid balance.''' Staff may remove or reverse it at any time - even if it has already been spent, traded, moved, or saved into the bank.
* '''If your balance changes in a way you cannot explain''' - a sudden jump, a payment that ran twice, a deposit or interest amount that looks wrong - '''tell staff right away.''' Quietly keeping or moving money you know is bugged is treated as abuse of the economy.
* '''Do not exploit, and do not help others exploit.''' Doing so can mean a rollback of the gains, removal from economy systems, and - depending on severity - a ban.
* '''Honest reporters are rewarded, not punished.''' Find a real bug and report it instead of abusing it and you may earn a bug bounty (past finders have earned cash and crates). Reporting in good faith will never get you in trouble.

=== 5. Account security ===
To protect the bank and its savers, staff may:

* '''Recover money credited in error''' to your account, as described in section 4.
* '''Temporarily freeze an account''' that shows suspicious activity, while it is reviewed. A frozen account can still be viewed; deposits and withdrawals are paused until the review clears.
* '''Review or limit unusually large withdrawals''' for security. Normal saving and withdrawing should not be affected unless a security review or a temporary bank pause is active.

=== 6. Fair use ===
* '''One Central Bank account per player.''' Using alternate accounts to farm interest or get around limits is abuse of the economy and is handled under section 4.

=== 7. Changes to these terms ===
We may update these terms as the bank grows. Material changes will be announced. Continuing to use your account after a change means you accept the updated terms.

''Questions about your account? Ask staff - we're happy to help.''

== See also ==
* [[Economy]] - server economy overview
* [[Commands]] - full command reference
* [[Server rules]] - general conduct rules

[[Category:Economy]]

Banking

2026-06-10T21:15:09Z

Maintenance script: Banking v1.2: high-yield rate tiers (50k=4x, 150k=8x)

{{Notice|The Central Bank is '''not yet open'''. Savings and bonds are installed on the server and will be enabled after final testing. This page describes how the bank will work and the account terms that apply from your first deposit.}}

The '''Central Bank''' is the server's savings bank. It offers two products: '''flexible savings''', which can be deposited and withdrawn at any time, and '''7-day bonds''', which lock money for a week at a higher rate. Savings give cash a reason to be held: money in the bank earns weekly interest and still counts toward your net worth.

== Products ==
{| class="wikitable"
|-
! Product !! Target rate !! Liquidity
|-
| Flexible savings || 0.15% per week || Deposit and withdraw any time
|-
| 7-day bond || 0.40% per week, locked in when you buy || Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty
|}

* '''Rates are targets, not guarantees.''' Actual payout is limited by the bank's funded interest pool, so in a given week interest may be lower than the target. Bond rates are locked at purchase and bonds are paid before flexible savings.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra.
* The full rate applies to your entire balance - there are no balance caps.
* Minimum deposit: '''$50'''. One bond at a time per player, from $50 up - no maximum.

=== High-yield tiers ===
Large accounts earn '''multiplied rates'''. Your tier is set by your total account balance - flexible savings and bond combined - and applies to weekly savings interest and to the rate locked into new or auto-renewed bonds.

{| class="wikitable"
|-
! Tier !! Total account balance !! Rate multiplier !! Flexible (target) !! Bond (target)
|-
| Standard || under $50,000 || 1× || 0.15%/week || 0.40%/week
|-
| High-Yield || $50,000+ || 4× || 0.60%/week || 1.60%/week
|-
| Private Reserve || $150,000+ || 8× || 1.20%/week || 3.20%/week
|}

Check your tier with <code>/savings balance</code>.
* When a bond matures, the principal plus interest is credited automatically to your flexible savings - or, with '''auto-renew''' on (<code>/bond autorenew</code>), it locks straight into a fresh 7-day bond at the then-current rate, compounding week over week.

== Using the bank ==
{| class="wikitable"
|-
! Command !! Description
|-
| <code>/savings</code> || Open the bank menu (works on Bedrock)
|-
| <code>/savings deposit <amount></code> || Deposit cash into flexible savings
|-
| <code>/savings withdraw <amount></code> || Withdraw back to your wallet
|-
| <code>/savings balance</code> || Check your savings and bond
|-
| <code>/bond buy <amount></code> || Buy a 7-day bond at the current locked rate
|-
| <code>/bond status</code> || See your bond's maturity time and projected interest
|-
| <code>/bond autorenew</code> || Toggle automatic renewal at maturity (compounds)
|-
| <code>/bond claim</code> || Exit a bond early (forfeits interest, charges a penalty; you confirm first)
|}

Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.

== Account terms ==

By making your first deposit, you agree to the terms below. They exist to keep the bank fair and safe for everyone.

=== 1. Your savings are yours ===
Money you deposit stays yours. Flexible savings can be withdrawn at any time. Bond principal is returned when the bond matures (or earlier, with a penalty). The bank does not charge fees to hold your money, and there are no inactivity fees - your savings remain yours for as long as you have an account.

=== 2. Interest ===
Savings and bonds earn interest, paid out weekly.

* '''Rates are targets, not guarantees.''' The rate shown in <code>/savings</code> is what we aim to pay. Actual payout is limited by the bank's funded interest pool, so in a given week interest may be lower than the target.
* '''Bond target rates are locked when you buy the bond.''' Bonds are paid before flexible savings, but like all interest, the payout is still limited by the bank's funded interest pool.
* '''Flexible savings rates can change for future weeks.''' We will never reduce interest you have already been paid; changes only affect future periods.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra - money has to actually sit in the account.

=== 3. Bonds ===
* A bond locks your money for its full term (currently '''7 days''') at a fixed rate.
* When it matures, your principal plus interest is credited to your flexible savings.
* '''Ending a bond early''' forfeits all of its interest and charges a small principal penalty. You will always be shown the penalty and asked to confirm before an early exit goes through.
* Bonds set to '''auto-renew''' roll the principal plus paid interest into a new bond at the then-current rate. You can toggle auto-renew at any time before maturity.

=== 4. Exploited, duplicated, or mistakenly-credited money ===
The Central Bank runs on a real, tracked economy. To keep it fair:

* '''Money gained from a bug, glitch, duplication, lag, or a system/admin error is not a valid balance.''' Staff may remove or reverse it at any time - even if it has already been spent, traded, moved, or saved into the bank.
* '''If your balance changes in a way you cannot explain''' - a sudden jump, a payment that ran twice, a deposit or interest amount that looks wrong - '''tell staff right away.''' Quietly keeping or moving money you know is bugged is treated as abuse of the economy.
* '''Do not exploit, and do not help others exploit.''' Doing so can mean a rollback of the gains, removal from economy systems, and - depending on severity - a ban.
* '''Honest reporters are rewarded, not punished.''' Find a real bug and report it instead of abusing it and you may earn a bug bounty (past finders have earned cash and crates). Reporting in good faith will never get you in trouble.

=== 5. Account security ===
To protect the bank and its savers, staff may:

* '''Recover money credited in error''' to your account, as described in section 4.
* '''Temporarily freeze an account''' that shows suspicious activity, while it is reviewed. A frozen account can still be viewed; deposits and withdrawals are paused until the review clears.
* '''Review or limit unusually large withdrawals''' for security. Normal saving and withdrawing should not be affected unless a security review or a temporary bank pause is active.

=== 6. Fair use ===
* '''One Central Bank account per player.''' Using alternate accounts to farm interest or get around limits is abuse of the economy and is handled under section 4.

=== 7. Changes to these terms ===
We may update these terms as the bank grows. Material changes will be announced. Continuing to use your account after a change means you accept the updated terms.

''Questions about your account? Ask staff - we're happy to help.''

== See also ==
* [[Economy]] - server economy overview
* [[Commands]] - full command reference
* [[Server rules]] - general conduct rules

[[Category:Economy]]

Banking

2026-06-10T21:11:25Z

Maintenance script: Banking v1.1: no caps/tiers, bond auto-renew (compounding)

{{Notice|The Central Bank is '''not yet open'''. Savings and bonds are installed on the server and will be enabled after final testing. This page describes how the bank will work and the account terms that apply from your first deposit.}}

The '''Central Bank''' is the server's savings bank. It offers two products: '''flexible savings''', which can be deposited and withdrawn at any time, and '''7-day bonds''', which lock money for a week at a higher rate. Savings give cash a reason to be held: money in the bank earns weekly interest and still counts toward your net worth.

== Products ==
{| class="wikitable"
|-
! Product !! Target rate !! Liquidity
|-
| Flexible savings || 0.15% per week || Deposit and withdraw any time
|-
| 7-day bond || 0.40% per week, locked in when you buy || Locked for 7 days; can auto-renew; early exit forfeits interest plus a small penalty
|}

* '''Rates are targets, not guarantees.''' Actual payout is limited by the bank's funded interest pool, so in a given week interest may be lower than the target. Bond rates are locked at purchase and bonds are paid before flexible savings.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra.
* The full rate applies to your entire balance - there are no balance caps or tiered reductions.
* Minimum deposit: '''$50'''. One bond at a time per player, from $50 up - no maximum.
* When a bond matures, the principal plus interest is credited automatically to your flexible savings - or, with '''auto-renew''' on (<code>/bond autorenew</code>), it locks straight into a fresh 7-day bond at the then-current rate, compounding week over week.

== Using the bank ==
{| class="wikitable"
|-
! Command !! Description
|-
| <code>/savings</code> || Open the bank menu (works on Bedrock)
|-
| <code>/savings deposit <amount></code> || Deposit cash into flexible savings
|-
| <code>/savings withdraw <amount></code> || Withdraw back to your wallet
|-
| <code>/savings balance</code> || Check your savings and bond
|-
| <code>/bond buy <amount></code> || Buy a 7-day bond at the current locked rate
|-
| <code>/bond status</code> || See your bond's maturity time and projected interest
|-
| <code>/bond autorenew</code> || Toggle automatic renewal at maturity (compounds)
|-
| <code>/bond claim</code> || Exit a bond early (forfeits interest, charges a penalty; you confirm first)
|}

Your first deposit asks you to accept the account terms below with <code>/savings accept</code>.

== Account terms ==

By making your first deposit, you agree to the terms below. They exist to keep the bank fair and safe for everyone.

=== 1. Your savings are yours ===
Money you deposit stays yours. Flexible savings can be withdrawn at any time. Bond principal is returned when the bond matures (or earlier, with a penalty). The bank does not charge fees to hold your money, and there are no inactivity fees - your savings remain yours for as long as you have an account.

=== 2. Interest ===
Savings and bonds earn interest, paid out weekly.

* '''Rates are targets, not guarantees.''' The rate shown in <code>/savings</code> is what we aim to pay. Actual payout is limited by the bank's funded interest pool, so in a given week interest may be lower than the target.
* '''Bond target rates are locked when you buy the bond.''' Bonds are paid before flexible savings, but like all interest, the payout is still limited by the bank's funded interest pool.
* '''Flexible savings rates can change for future weeks.''' We will never reduce interest you have already been paid; changes only affect future periods.
* Interest is calculated on the '''lowest balance you held for the full week''', so topping up right before payout does not earn extra - money has to actually sit in the account.

=== 3. Bonds ===
* A bond locks your money for its full term (currently '''7 days''') at a fixed rate.
* When it matures, your principal plus interest is credited to your flexible savings.
* '''Ending a bond early''' forfeits all of its interest and charges a small principal penalty. You will always be shown the penalty and asked to confirm before an early exit goes through.
* Bonds set to '''auto-renew''' roll the principal plus paid interest into a new bond at the then-current rate. You can toggle auto-renew at any time before maturity.

=== 4. Exploited, duplicated, or mistakenly-credited money ===
The Central Bank runs on a real, tracked economy. To keep it fair:

* '''Money gained from a bug, glitch, duplication, lag, or a system/admin error is not a valid balance.''' Staff may remove or reverse it at any time - even if it has already been spent, traded, moved, or saved into the bank.
* '''If your balance changes in a way you cannot explain''' - a sudden jump, a payment that ran twice, a deposit or interest amount that looks wrong - '''tell staff right away.''' Quietly keeping or moving money you know is bugged is treated as abuse of the economy.
* '''Do not exploit, and do not help others exploit.''' Doing so can mean a rollback of the gains, removal from economy systems, and - depending on severity - a ban.
* '''Honest reporters are rewarded, not punished.''' Find a real bug and report it instead of abusing it and you may earn a bug bounty (past finders have earned cash and crates). Reporting in good faith will never get you in trouble.

=== 5. Account security ===
To protect the bank and its savers, staff may:

* '''Recover money credited in error''' to your account, as described in section 4.
* '''Temporarily freeze an account''' that shows suspicious activity, while it is reviewed. A frozen account can still be viewed; deposits and withdrawals are paused until the review clears.
* '''Review or limit unusually large withdrawals''' for security. Normal saving and withdrawing should not be affected unless a security review or a temporary bank pause is active.

=== 6. Fair use ===
* '''One Central Bank account per player.''' Using alternate accounts to farm interest or get around limits is abuse of the economy and is handled under section 4.

=== 7. Changes to these terms ===
We may update these terms as the bank grows. Material changes will be announced. Continuing to use your account after a change means you accept the updated terms.

''Questions about your account? Ask staff - we're happy to help.''

== See also ==
* [[Economy]] - server economy overview
* [[Commands]] - full command reference
* [[Server rules]] - general conduct rules

[[Category:Economy]]

Jobs

2026-06-10T20:35:04Z

Maintenance script: Fix: players can hold 3 jobs (max-jobs=3), not one

'''Jobs''' are the primary way to earn money on Prosperity SMP. The server runs six careers through the Jobs Reborn plugin, each paying wages for specific in-game actions. Players can hold up to three jobs at once (the Season 0 cap).

== Available jobs ==
{| class="wikitable" style="width:100%;"
|-
! Job !! Pays for !! Starting wage !! Key unlocks
|-
| [[Miner]] || Breaking stone, ores, deepslate || ~$0.044/block, ores $0.19-1.13 || Drills (L15/L30/L45), Master Smith (L35+)
|-
| [[Farmer]] || Harvesting crops || $0.13-0.50/crop || Harvesters (L15/L30/L45)
|-
| [[Builder]] || Placing blocks || ~$0.038/block || Civic contracts (primary income)
|-
| [[Woodcutter]] || Chopping logs || ~$0.063/log || Tree-felling upgrades
|-
| [[Hunter]] || Killing hostile mobs || $0.50-1.25/kill (bosses to $8+) || Dungeon access, combat gear
|-
| [[Fisherman]] || Catching fish || $1.13-1.88/catch || Rod enchants, rare-fish perks
|}

Base wages for all six jobs were raised by 25 percent on 2026-06-10. Wages additionally increase by 1% per level, up to +50% at level 50. Real income also includes item drops, [[Admin shop]] sales, [[Contracts|contracts]], and stipends.

== How jobs work ==
# Run <code>/jobs browse</code> to see available jobs.
# Click a job to join it, or run <code>/jobs join <name></code>.
# Perform qualifying actions to earn wages and XP.
# Level up to unlock new perks, [[Titles|titles]], and equipment.
# At level 50, you can [[Prestige|prestige]] to reset and earn permanent bonuses.

== Leveling ==
Each level requires a fixed amount of XP. The curve is near-linear — level 50 takes approximately 50 hours of active work.

{| class="wikitable"
|-
! Milestone !! Approximate time
|-
| Level 10 || 2-3 hours
|-
| Level 20 || 7-10 hours
|-
| Level 30 || 18-25 hours
|-
| Level 40 || 32-40 hours
|-
| Level 50 || ~50 hours
|}

== Titles ==
All six jobs share the same title progression. Titles display in chat and the tab list.

{| class="wikitable"
|-
! Level !! Title !! Color
|-
| 1 || Novice || Gray
|-
| 10 || Apprentice || Blue
|-
| 20 || Elite || Purple
|-
| 30 || Master || Pink
|-
| 40 || Grand Master || Yellow
|-
| 50 || Legendary || Gold
|}

Use <code>/title <job></code> to pin a specific title, or <code>/title auto</code> to show your highest. See [[Titles]] for details.

[[Prestige]] titles (Reborn, Twice-Forged, Thrice-Forged, Mythic, Eternal) outrank regular titles.

== Prestige ==
At level 50, run <code>/prestige <job></code> to reset to level 1 with permanent bonuses. See [[Prestige]] for the full cost table.

== Commands ==
{| class="wikitable"
|-
! Command !! Description
|-
| <code>/jobs browse</code> || View and join available jobs
|-
| <code>/jobs info</code> || See your current job stats
|-
| <code>/jobs leave</code> || Leave your current job
|-
| <code>/jobs top</code> || Leaderboard by job level
|-
| <code>/prestige <job></code> || Prestige a maxed job
|-
| <code>/title <job></code> || Pin a title to display
|}

== See also ==
* [[Skill trees]] — per-job perk unlocks
* [[Contracts]] — bonus income from deliveries
* [[Crates]] — loot from job crates
* [[Titles]] — title progression details
* [[Drills and harvesters]] — AOE tools for Miners and Farmers

[[Category:Gameplay]]

Trading

2026-06-10T20:27:54Z

Maintenance script: 2026-06-10 staleness scan: tooltips retired, real AH fees, /trade status, PvP rules, CPI dual basket, eviction reclaim

'''Trading''' on Prosperity SMP happens through several mechanisms. Player-to-player commerce drives the [[Economy|economy]], with the [[Admin shop]] serving as a guaranteed fallback.

== Trading methods ==

=== ChestShop signs ===
The primary trading method. Place a chest with a [[ChestShop]] sign to sell items to other players while online or offline. Shops in the market district get the most traffic. Best for high-volume, commonly traded commodities.

=== Direct trading ===
''Temporarily disabled while it undergoes final testing.'' <code>/trade <player></code> opens a secure two-player [[Direct trading|trade window]]. Both players place items and cash, both confirm, and the exchange happens atomically — neither side can take the goods without giving up their own. Best for one-to-one deals, gifts, and high-value handoffs.

=== Auction house ===
Run <code>/ah</code> to open the [[Auction house]], a server-wide board of fixed-price listings. Sellers set a price and any player can buy; the item and cash change hands instantly. Best for one-off, high-value, or hard-to-display items such as enchanted gear and rare drops.

=== Admin shop ===
Run <code>/shop</code> to access the [[Admin shop]]. It offers guaranteed floor prices for common materials. Use it when no player shops are buying what you have.

=== Direct payment ===
Use <code>/pay <player> <amount></code> to send money directly. Useful for service payments or deals negotiated in chat. For trades involving items, prefer direct trading, which protects both sides.

== Price discovery ==
; /market command
: Run <code>/market <item></code> to see the median unit price based on recent player-to-player transactions across ChestShop and the auction house. This is the best indicator of what an item is actually worth.

; /find command
: Run <code>/find <item></code> to locate player shops currently selling or buying a specific item. Shows the shop owner, price, location, and current stock.

; Admin shop prices
: The [[Admin shop]] sets a floor. If <code>/market</code> shows a higher price than the admin shop, you can earn more by selling to players.

== Setting good prices ==
# Check <code>/market <item></code> before setting your [[ChestShop]] price or auction listing.
# Undercut existing sellers by a small margin to move inventory faster.
# For items with no market data, check the [[Admin shop]] price and mark up 20-50%.
# High-demand items (diamonds, iron, food) sell fastest in the market district.
# Niche items (decorative blocks, rare drops) sell slower but at higher margins, and often do best on the auction house.

== Supply and demand ==
Prices change based on player activity:
* When many players mine (supply up), ore prices tend to drop.
* When a new building project starts (demand up), building material prices rise.
* [[Contracts|Civic contracts]] create artificial demand for specific materials at fixed prices.
* The server's economic dashboard monitors these trends automatically.

== Trade safety ==
* All [[ChestShop]] transactions are logged by [[CoreProtect]].
* Scamming is prohibited under [[Server rules]]. Staff can verify transactions and issue refunds.
* [[BOLT]] protects your chest contents — only the shop interface is exposed to buyers.
* For secure item-and-cash swaps with another player, use [[Direct trading]]. It holds both offers and exchanges them atomically, so neither side can take the goods without paying.
* For fixed-price public sales, list items on the [[Auction house]], where the buyer's payment and your item change hands in a single instant transaction.

== See also ==
* [[Direct trading]] — secure two-player trade window
* [[Auction house]] — fixed-price marketplace
* [[ChestShop]] — how to create shop signs
* [[Admin shop]] — server-run fallback shop
* [[Economy]] — how money flows through the server
* [[Getting started]] — includes shop setup walkthrough

[[Category:Gameplay]]

Simulated ChestShop

2026-06-10T20:27:54Z

Maintenance script: 2026-06-10 staleness scan: tooltips retired, real AH fees, /trade status, PvP rules, CPI dual basket, eviction reclaim

The '''Simulated ChestShop''' is a custom-built automated market activity engine developed specifically for Prosperity SMP. Unlike off-the-shelf plugins, it was designed from scratch to integrate with the server's [[Consumer Price Index|CPI tracking]], [[Monetary policy engine|monetary policy engine]], and [[Economy|economic dashboard]]. It creates background buying activity at player-owned [[ChestShop]] signs, ensuring shops see traffic even during low-population hours.

== Purpose ==

At low player counts, player shops can sit idle for hours. This discourages players from setting up shops, which weakens the [[Economy|player-driven economy]]. The Simulated ChestShop solves this by having a server-managed bank account (CentralBank) purchase items from player shops at fair market prices.

The system '''only buys''' — it does not sell items to players. It is a pure liquidity injection from the CentralBank reserve into player hands.

== Custom development ==

The Simulated ChestShop was purpose-built as a Skript plugin (sim-chestshop.sk) rather than using an existing solution. This allows deep integration with the server's other custom systems:

* '''[[Consumer Price Index|CPI]] awareness''' — the system reads real market prices to determine fair buy values, and its own transactions are excluded from CPI calculations to prevent feedback loops.
* '''[[Monetary policy engine]] integration''' — every bank-to-player payout is classified as a TRANSFER_TO_PUBLIC event, feeding the engine's source-flow ratio analysis.
* '''Demand governor''' — an adaptive controller that adjusts buying intensity based on time of day, player count, real buyer activity, and bank health. The system backs off when real buyers are active and fills in when the market is quiet.
* '''Per-shop persona system''' — transactions use randomized buyer names in logs for natural appearance.

== How it works ==

# The system maintains a shopping list of approximately 130 common items with internal maximum buy prices.
# Every few minutes, it scans active player [[ChestShop]] signs for eligible items.
# If a shop sells an item on the list at or below the max price, the system may purchase.
# The shop owner receives payment to their balance, identical to a normal sale.
# If the shop owner is online, the system sends a chat notification: ''+$X sale: <buyer> bought Yx <item> from your shop.''
# Purchased items are removed from the chest (the bank does not stockpile).

From the shop owner's perspective, the transaction looks identical to a real player purchase.

== Sale notifications ==

When a simulated buyer purchases from a player's shop, the shop owner receives a chat message identifying the buyer persona, item, quantity, and payment amount. The notification only fires if the seller is online at the moment of sale; offline sellers see no notification but their balance reflects the sale on next login.

The notification was added on 2026-05-28 in response to player feedback that sim shop sales were silently increasing balances without indication of source.

== Bedrock shop owners ==

The system supports player shops owned by Bedrock Edition players. Floodgate's bedrock-prefix (<code>.</code>) is preserved on the sign and routed through the system's UUID resolver, which looks up the player's full Bedrock IGN even when the shop sign truncates names longer than 15 characters.

== What the system buys ==

{| class="wikitable"
|-
! Category !! Examples
|-
| Mining || Cobblestone, stone, deepslate, iron ingot, gold ingot, diamond, coal, redstone, lapis, copper
|-
| Wood || Oak log, spruce log, birch log, planks
|-
| Farming || Wheat, carrots, potatoes, sugar cane, melon, pumpkin
|-
| Food || Cooked beef, cooked chicken, bread
|-
| Building || Glass, bricks, sand, gravel
|-
| Mob drops || String, gunpowder, bones, leather, feathers
|-
| Nether/End || Quartz, glowstone, chorus fruit, blaze rod
|}

=== Items the system will NOT buy ===

Beacons, totems of undying, ender pearls, shulker boxes, elytra, mob spawners, and other high-value or exploit-prone items are excluded from the sim shop's purchase list. Players can still sell these to the [[Admin shop]] at a floor price.

== Demand controls ==

{| class="wikitable"
|-
! Control !! Purpose
|-
| Daily spending cap || Bank stops buying after a server-wide daily limit
|-
| Per-owner cap || No single shop owner receives more than a set share of the daily budget
|-
| Per-shop cooldown || Waits between purchases from the same shop
|-
| Intensity profiles || Activity scales with server population and time of day
|-
| Bank floor || Stops all activity if the CentralBank balance drops below a safety threshold
|}

== Economy integration ==

The system is tightly integrated with the server's custom economic infrastructure:

* Transactions are flagged <code>simulated: true</code> in the transaction log.
* The [[Consumer Price Index|CPI]] '''excludes''' simulated transactions — it reflects real player prices only.
* The [[Monetary policy engine]] classifies payouts as transfers from reserve, not new money creation.
* A 7-day lagged CPI snapshot prevents the system from chasing its own price signal.

== Visibility ==

The system is intentionally invisible to players except for the sale notification described above:

* No command reveals bank buy prices or the shopping list.
* The [[Economy|/market command]] shows real player data only.
* Shop owners cannot distinguish simulated purchases from real ones in the transaction log.

== Admin commands ==

{| class="wikitable"
|-
! Command !! Description
|-
| <code>/simshop status</code> || Bank balance, daily spend, pause state
|-
| <code>/simshop pause</code> || Pause all activity
|-
| <code>/simshop resume</code> || Resume activity
|-
| <code>/simshop refill <amount></code> || Add funds to CentralBank
|}

These require staff permissions.

== See also ==

* [[Consumer Price Index]] — the price index (excludes simulated trades)
* [[Monetary policy engine]] — the inflation management system
* [[Item worth]] — the unified pricing engine
* [[Economy]] — how money flows through the server
* [[ChestShop]] — how to create player shops
* [[Admin shop]] — the separate server-run shop
* [[Trading]] — trading methods and price discovery

[[Category:Plugins]]
[[Category:Systems]]

Server rules

2026-06-10T20:27:53Z

Maintenance script: 2026-06-10 staleness scan: tooltips retired, real AH fees, /trade status, PvP rules, CPI dual basket, eviction reclaim

These '''server rules''' apply to all players on Prosperity SMP. Violations are handled through warnings, mutes, or bans depending on severity.

== General conduct ==
# '''Be respectful.''' No harassment, hate speech, slurs, or targeted toxicity in chat, signs, builds, or Discord.
# '''No cheating.''' Hacked clients, x-ray, fly hacks, speed hacks, duplication glitches, and exploit abuse are prohibited. Allowed mods include Optifine, shaders, minimaps without entity radar, and inventory sorters.
# '''No griefing.''' Do not destroy, modify, or steal from other players without permission.
# '''No spam.''' Excessive chat messages, advertisements for other servers, or command abuse are prohibited.
# '''No AFK farming.''' Automated income through AFK machines, auto-clickers, or macros is not allowed.

== Economy rules ==
# '''No real-money trading.''' Server items and currency may not be traded for real money.
# '''No scamming.''' Honor trade agreements. Fraudulent shops and bait-and-switch pricing are prohibited.
# '''No market manipulation.''' Price fixing, wash trading between alts, and artificial inflation schemes are prohibited.

== Building rules ==
# '''Build only on your own plots.''' See [[Real estate]] for land acquisition and [[Zoning regulations]] for building restrictions.
# '''No offensive builds.''' Hate symbols, explicit content, or targeted harassment structures are removed without warning.
# '''Follow zoning rules.''' Each plot type has restrictions. See [[Zoning regulations]].

== Combat and PvP ==
Where you fight determines whether it is legal:

* '''PvP is allowed without penalty''' in the [[Resource world|resource world]], in designated arena regions, and in declared duels (both players consent; either may decline).
* '''Everywhere else''' — spawn, the city, residential/commercial/industrial plots, markets, and public infrastructure — initiating PvP without the other player's consent is an offense and draws a fine. Killing draws a heavier charge.
* '''Self-defense is never an offense.''' If you did not initiate and you fight back, the aggressor is the one charged.

== Enforcement ==
Staff investigate reports using [[CoreProtect]] logs. Punishments scale with severity:

{| class="wikitable"
|-
! Offense !! Typical action
|-
| Minor chat violation || Warning or mute
|-
| Griefing (first, small) || Rollback + warning
|-
| Griefing (repeated or large) || Temporary or permanent ban
|-
| Hacking or exploiting || Permanent ban
|-
| Scamming || Refund + temporary ban
|}

Decisions may be appealed on Discord.

== See also ==
* [[Zoning regulations]]
* [[Frequently asked questions|FAQ]]
* [[Getting started]]

[[Category:Policies]]

Plot rental

2026-06-10T20:27:53Z

Maintenance script: 2026-06-10 staleness scan: tooltips retired, real AH fees, /trade status, PvP rules, CPI dual basket, eviction reclaim

'''Plot rental''' on Prosperity SMP is managed by the AdvancedRegionMarket (ARM) plugin. Players rent or purchase plots by clicking signs at available plots.

== Finding plots ==
Available plots display signs showing the plot name (e.g., R001, C015), zone type, price, and status. Look for them in the city and surrounding areas.

== Renting ==
# Find an available plot sign.
# Right-click the sign to view details.
# Click to confirm the rental.
# Build within the plot boundaries.

Rent is charged on a recurring basis. If rent is not paid, the plot returns to available status.

== Extending rent ==
Rent auto-renews as long as you have sufficient balance. There is a maximum extension time per plot.

== Plot rules ==
* Build only within your boundaries.
* Follow [[Zoning regulations]] for your plot type.
* Abandoned plots may be reclaimed by staff after extended inactivity plus missed rent.
* If your rental expires or is reclaimed, items from your containers are captured automatically — run <code>/claimitems</code> to recover them.

== See also ==
* [[Real estate]] — plot types and zones
* [[Zoning regulations]] — building restrictions
* [[BOLT]] — protecting builds

[[Category:Plugins]]

Consumer Price Index

2026-06-10T20:27:52Z

Maintenance script: 2026-06-10 staleness scan: tooltips retired, real AH fees, /trade status, PvP rules, CPI dual basket, eviction reclaim

The '''Consumer Price Index''' (CPI) is a custom-built price tracking system on Prosperity SMP. It measures the cost of a fixed basket of goods using real player-to-player trade data, producing a single index number that represents the overall price level. The CPI feeds directly into the [[Monetary policy engine]] and is reported weekly via Discord.

== What it measures ==
The CPI tracks the price of a weighted basket of 27 common items. It answers: are things getting more or less expensive?

A rising CPI means inflation. A falling CPI means deflation. A stable CPI means equilibrium.

Since 2026-06-09 the system tracks '''two baskets''': the ''policy basket'' of curated staples described below (the cautious signal used for policy decisions), and an ''observed market basket'' built from what players actually trade, which adapts to real market activity.

== Basket composition ==
The policy basket is weighted toward everyday staples, not luxury items:

{| class="wikitable" style="width:100%;"
|-
! Category !! Weight !! Key items
|-
| Building materials || 20% || Cobblestone, stone, deepslate, logs, planks, sand, glass
|-
| Basic inputs || 30% || Iron ingot (12%), coal (6%), copper (4%), gold (4%), redstone (4%)
|-
| Food and farming || 20% || Wheat, potato, carrot, cooked meats, sugar cane
|-
| Utility consumables || 15% || Arrow, torch, firework rocket, lapis lazuli
|-
| Premium commodities || 15% || Diamond (8%), emerald (3%), netherite scrap (4%)
|}

Diamond is weighted at 8%, not higher — the basket is deliberately tilted toward staples so a few large diamond trades cannot distort the signal.

== Index formula ==
The CPI uses a '''winsorized geometric mean''', the same approach used by real-world national statistics offices:

: '''P = exp( SUM of weight_i x ln(price_i_trimmed) )'''

Each item's observed unit prices are sorted, then the top and bottom 10% are clamped (winsorized) before the geometric mean is computed. This prevents a single outlier trade from skewing the index.

== Data source ==
The CPI is computed from '''completed, non-simulated, player-to-player''' [[ChestShop]] transactions only:

* Only real trades count. [[Simulated ChestShop]] activity is tagged <code>simulated: true</code> and excluded.
* Only completed sales count, not listed prices.
* Rolling 7-day window.

This separation prevents a feedback loop where [[Simulated ChestShop|Sim Shop]] activity inflates CPI, which causes the Sim Shop to adjust prices upward, which inflates CPI further.

== Manipulation defenses ==

=== Depth gates ===
An item is excluded from the policy basket unless it meets all three thresholds:
* 10+ transactions in the 7-day window
* 3+ unique buyers
* 3+ unique sellers

Items below these thresholds still appear in <code>/market</code> with a low-confidence flag but do not influence the engine.

=== Rate-of-change clamp ===
No single item can move more than 8% per week. Excess movement is dampened.

=== Manipulation risk score ===
Each item receives a composite score from five equally-weighted factors:
# Low transaction count
# Low buyer diversity
# Low seller diversity
# Account concentration (one account over 60% of volume)
# Category outlier (item moved more than 2 standard deviations from its category)

When risk exceeds 0.5, upward price moves are partially dampened while downward moves are trusted. This reflects that most MC economy manipulation is bullish.

=== Median lag ===
The [[Simulated ChestShop]] reads a CPI snapshot '''7 days old''', not current. A manipulator would need to sustain artificial prices for over a week — expensive and risky.

== Per-item confidence ==
Each basket item receives its own confidence score based on transaction depth and participant diversity:

: '''confidence = sqrt(depth_score x diversity_score)'''

Items with low confidence contribute less to the overall index.

== Player-facing: /market ==
{| class="wikitable"
|-
! Command !! Shows
|-
| <code>/market</code> || Top 10 items by 7-day trading volume
|-
| <code>/market <item></code> || Median price, fair range (25th-75th percentile), volume, category
|}

The <code>/market</code> command shows real player data only. It does '''not''' reveal Sim Shop buy prices, CentralBank balance, or engine state.

== Weekly Discord report ==
Every Monday, an automated report posts to Discord showing total turnover, top items by value, and per-item medians. Same data pipeline as the policy CPI but formatted as a public summary.

== Commodity index ==
Separately from the policy CPI, the system computes a '''commodity index''' tracking premium items (diamond, gold, netherite, emerald). This is dashboard-only and does not influence the [[Monetary policy engine]].

== See also ==
* [[Monetary policy engine]] — consumes the CPI for recommendations
* [[Economy]] — how money flows through the server
* [[Simulated ChestShop]] — excluded from CPI by design
* [[Trading]] — how trading works
* [[ChestShop]] — the shop system generating CPI data

[[Category:Systems]]

ChestShop

2026-06-10T20:27:52Z

Maintenance script: 2026-06-10 staleness scan: tooltips retired, real AH fees, /trade status, PvP rules, CPI dual basket, eviction reclaim

'''ChestShop''' is the player-owned shop system on Prosperity SMP. Players create buy and sell signs on chests to trade items with other players. All shops in the market district use this system.

== Creating a shop ==

# Place a chest where you want your shop.
# Place a sign on the chest (or on a block adjacent to it).
# Write the following on the sign:

{| class="wikitable"
|-
! Line !! What to write !! Example
|-
| 1 || ''Leave blank'' (your name fills in automatically) ||
|-
| 2 || Quantity per transaction || <code>64</code>
|-
| 3 || Price: <code>B</code> for buy, <code>S</code> for sell, or both || <code>B 100:S 50</code>
|-
| 4 || Item name || <code>Diamond</code>
|}

; Buy price (B)
: The amount a ''customer pays you'' to buy items from your chest.
; Sell price (S)
: The amount ''you pay a customer'' when they sell items to your chest.

=== Examples ===

A sign reading:

(your name)
64
B 500
Diamond

This sells 64 diamonds to customers for $500 per transaction.

A sign reading:

(your name)
16
B 200:S 100
Iron Ingot

This sells 16 iron ingots for $200, or buys 16 from customers for $100.

== Setting prices ==

Run <code>/market <item></code> to see the median price from recent player trades, or check the [[Item worth]] estimates on the economy dashboard. The ''Market Est'' figure estimates an item's fair player-market value — a useful reference for pricing your ChestShop signs. The ''Admin Sell'' figure shows what the admin shop pays; you generally want to charge more than that.

You can also run <code>/market <item></code> to see recent real player-trade data for the item, if any exists.

== Item names ==

The sign has a 15-character limit per line. For long item names, use the short alias. Examples include splash potion variants (mapped to <code>Strength II</code>, <code>Fire Res 8:00</code>, etc.). Check the alias board near spawn or ask staff if your item name does not fit.

== Finding shops ==

Run <code>/find <item></code> to search for player shops selling or buying a specific item. Results show the shop owner, price, location, and stock.

== Chest locking ==

All chests are automatically locked by [[BOLT]]. Only the chest owner can access the contents. The shop sign allows customers to interact with the buy/sell interface without opening the chest.

== Tips ==

* Stock your chest before creating the sign — an empty shop cannot sell.
* Use <code>/market <item></code> or the [[Item worth]] estimates to see going rates before setting prices.
* Place shops in the market district for maximum visibility.
* Shops work while you are offline.
* The [[Simulated ChestShop]] may buy from your shop in the background at any time, with no required setup on your part.

== See also ==

* [[Admin shop]] — the server-run fallback shop
* [[Item worth]] — the item pricing engine
* [[Simulated ChestShop]] — the simulated buyer
* [[Getting started]] — includes a shop setup walkthrough
* [[Commands]] — full command reference

[[Category:Plugins]]

Auction house

2026-06-10T20:27:51Z

Maintenance script: 2026-06-10 staleness scan: tooltips retired, real AH fees, /trade status, PvP rules, CPI dual basket, eviction reclaim

'''The auction house''' is a server-wide marketplace where players list items at a fixed price for any other player to buy. It complements [[ChestShop]] signs: ChestShop is best for high-volume commodity trading, while the auction house suits one-off, high-value, or hard-to-display items such as enchanted gear, named tools, and rare drops. Open it with <code>/ah</code>.

Despite the name, the auction house is not a bidding system. Each listing has a single fixed price set by the seller, and the first buyer to pay that price receives the item.

== Listing an item ==

# Hold the item stack you want to sell.
# Run <code>/ah sell <price> [hours]</code> — for example, <code>/ah sell 1500 24</code>.
# The stack moves into the marketplace and becomes visible to everyone in <code>/ah</code>.

The price is the total asking price for the whole held stack. The optional <code>hours</code> value sets how long the listing stays up before it expires; it defaults to 24 hours and can be at most 72 hours.

=== Fees ===

A listing fee is charged the moment you list, and a sale cut is taken when the item sells:

* '''Listing fee:''' $10 plus 1% of the asking price, paid up front.
* '''Sale cut:''' 3% of the sale price, deducted from your proceeds at the time of sale.

The listing fee is '''not refunded''' if you cancel the listing or it expires. This deters listing spam, so set prices deliberately.

=== Limits ===

{| class="wikitable"
|-
! Limit !! Value
|-
| Active listings per player || 5
|-
| Minimum price || $1
|-
| Maximum price || $10,000,000
|-
| Default duration || 24 hours
|-
| Maximum duration || 72 hours
|}

== Browsing and buying ==

* <code>/ah</code> or <code>/ah browse [page]</code> opens the marketplace, showing 45 listings per page, newest first.
* <code>/ah search <query></code> filters listings by item name.
* Hovering over a listing shows its full details: quantity, price, time remaining, seller, and any enchantments or custom lore.
* Clicking a listing buys it immediately. The cash leaves your balance and the item is delivered to your inventory, or dropped at your feet if your inventory is full. There is no separate confirmation step, so click carefully.

== Managing your listings ==

; /ah me
: Shows your active listings. Shift-click a listing to cancel it. The item returns to your [[#Mailbox|mailbox]], and the listing fee is not refunded.
; /ah cancel <id>
: Cancels a specific listing by its ID — the same action as shift-clicking in <code>/ah me</code>.
; /ah history
: Shows your last 50 settled listings, both sold and expired.

== Mailbox ==

Run <code>/ah mailbox</code> to claim items that have come back to you: listings that expired with no buyer, or ones you cancelled. Click an item to collect it; if your inventory is full, it drops at your feet. Mailbox items '''never expire''', so nothing is lost by being offline.

Cash from a sale does not go to the mailbox. Sale proceeds — the sale price minus the 5% cut — are paid '''directly into your account balance''' the moment the item sells.

== Bedrock players ==

The auction house works on [[Bedrock setup|Bedrock Edition]]. The browse and mailbox screens are standard chest menus that Geyser renders natively, and every command behaves the same as on Java.

== Trade safety ==

* Buying is instant and atomic: the cash and the item change hands together, so there is no risk of paying without receiving the item.
* Every sale is recorded in the server transaction ledger and feeds the [[Consumer Price Index]], so auction prices appear in <code>/market</code> data.
* High-value sales are logged for staff review.

== See also ==

* [[Trading]] — overview of every way to trade on the server
* [[Direct trading]] — private, secure item-and-cash swaps between two players
* [[ChestShop]] — player-owned shop signs for bulk commodities
* [[Item worth]] — how the worth engine estimates fair prices
* [[Commands]] — full command reference

[[Category:Gameplay]]

Admin shop

2026-06-10T20:27:50Z

Maintenance script: 2026-06-10 staleness scan: tooltips retired, real AH fees, /trade status, PvP rules, CPI dual basket, eviction reclaim

The '''admin shop''' is the server-run shop on Prosperity SMP, powered by the EconomyShopGUI plugin. It provides guaranteed floor prices for common materials so players always have a buyer, even when no player shops are stocked.

== Accessing the shop ==

Run <code>/shop</code> from anywhere to open the admin shop GUI. Browse categories and click items to buy or sell.

The shop is organized into categories:

* Ores and minerals
* Building materials
* Farming and food
* Tools and equipment
* Miscellaneous

== Pricing philosophy ==

Admin shop prices are intentionally set as a '''floor''' — slightly below what player [[ChestShop|shops]] typically charge. This ensures:

* New players always have somewhere to sell materials.
* Player-run shops remain competitive (the admin shop does not undercut active sellers).
* Players can check <code>/market <item></code> or the [[Item worth]] estimates on the economy dashboard to compare prices before deciding whether to sell.

For each item, the admin shop may be configured as ''buy-only'' (the shop sells to you), ''sell-only'' (you sell to the shop), or ''both''. Common raw materials are typically sell-only — the server pays a floor price but does not sell them back to players, leaving that role to the [[ChestShop|player market]].

== Endgame items ==

The admin shop pays a guaranteed floor price for several endgame materials that previously had no reliable buyer. The server does '''not''' sell these items back to players — they are sell-only.

{| class="wikitable"
|-
! Item !! Admin floor (player → server)
|-
| Netherite ingot || $1,000
|-
| Netherite scrap || $350
|-
| Ancient debris || $200
|-
| Elytra || $1,500
|-
| Totem of Undying || $300
|-
| Shulker shell || $25
|-
| Shulker box (empty) || $30
|-
| Netherite Upgrade Smithing Template || $120
|-
| Armor Trim Smithing Templates (sampled) || $100
|}

Player-market prices for these items are typically higher. The [[Item worth]] engine's Market Est figure (on the economy dashboard) estimates fair player-market pricing.

== Buying vs selling ==

The GUI shows the price and direction for each item. Most items show two prices side-by-side; if only one is shown, that direction is the only one supported.

== See also ==

* [[ChestShop]] — player-owned shops with custom pricing
* [[Item worth]] — the item pricing engine
* [[Simulated ChestShop]] — the simulated buyer that keeps low-traffic shops liquid
* [[Jobs]] — earning money through job wages
* [[Getting started]] — new player guide

[[Category:Plugins]]

Woodcutter

2026-06-10T20:24:50Z

Maintenance script: 2026-06-10 update: pay raise +25%, banking, build contracts, status fixes

{{Notice|This job page covers the core mechanics. The full [[Skill trees|skill tree]] breakdown and advanced strategies are still in development.}}

The '''Woodcutter''' is one of six [[Jobs|jobs]] on Prosperity SMP. Woodcutters earn wages by chopping logs in the [[Resource world|resource world]].

== Joining ==
Run <code>/jobs join woodcutter</code> or select Woodcutter from <code>/jobs browse</code>.

== Pay rates ==
Woodcutters earn '''$0.063''' per log chopped (all eight log types: oak, spruce, birch, jungle, acacia, dark oak, mangrove, cherry). Stripped logs and stripped wood pay $0.031. Base wages for all jobs were raised by 25 percent on 2026-06-10.

== Titles ==
{| class="wikitable"
|-
! Level !! Title
|-
| 1 || Novice Woodcutter
|-
| 10 || Apprentice Woodcutter
|-
| 20 || Elite Woodcutter
|-
| 30 || Master Woodcutter
|-
| 40 || Grand Master Woodcutter
|-
| 50 || Legendary Woodcutter
|}

== Prestige ==
The Woodcutter prestige tool is a netherite axe with Efficiency V, Sharpness IV, and Unbreaking V. See [[Prestige]] for costs.

== See also ==
* [[Jobs]] — overview of all jobs
* [[Skill trees]] — Woodcutter skill tree nodes
* [[Titles]] — title progression

[[Category:Jobs]]

Miner

2026-06-10T20:24:50Z

Maintenance script: 2026-06-10 update: pay raise +25%, banking, build contracts, status fixes

The '''Miner''' is one of six [[Jobs|jobs]] on Prosperity SMP. Miners earn wages by breaking stone, ores, and deepslate in the [[Resource world|resource world]]. Higher levels unlock [[Drills and harvesters|drills]] (3x3 AOE mining tools), [[Master Smith]] enchant upgrades, and access to the [[Prestige|prestige system]].

== Joining ==
Run <code>/jobs join miner</code> or select Miner from <code>/jobs browse</code>.

== Pay rates ==
Miners earn per block broken. Wages increase by 1% per level (up to +50% at level 50).

Base wages for all jobs were raised by 25 percent on 2026-06-10.

{| class="wikitable"
|-
! Block !! Base wage
|-
| Stone, deepslate, granite, diorite, andesite, tuff || $0.044
|-
| Basalt, blackstone || $0.044
|-
| End stone || $0.05
|-
| Cobblestone, sandstone, red sandstone || $0.031
|-
| Netherrack || $0.025
|-
| Coal ore || $0.19 (deepslate $0.23)
|-
| Redstone ore || $0.19 (deepslate $0.23)
|-
| Copper ore || $0.23 (deepslate $0.28)
|-
| Iron ore || $0.38 (deepslate $0.46)
|-
| Lapis ore || $0.38 (deepslate $0.46)
|-
| Gold ore || $0.75 (deepslate $0.94)
|-
| Emerald ore || $0.75 (deepslate $0.94)
|-
| Diamond ore || $0.94 (deepslate $1.13)
|-
| Ancient debris || $43.75
|}

Income also comes from selling materials at the [[Admin shop]] or player [[ChestShop|shops]], and from [[Contracts|civic contracts]].

== Titles ==
{| class="wikitable"
|-
! Level !! Title
|-
| 1 || Novice Miner
|-
| 10 || Apprentice Miner
|-
| 20 || Elite Miner
|-
| 30 || Master Miner
|-
| 40 || Grand Master Miner
|-
| 50 || Legendary Miner
|}

See [[Titles]] for the full title system including [[Prestige|prestige titles]].

== Drills ==
Drills are 3x3 AOE pickaxes purchased with <code>/buydrill</code> and gated by Miner level.

{| class="wikitable"
|-
! Tier !! Name !! Level !! Price !! Base !! Enchants
|-
| 1 || Compact Drill || 15 || $1,000 || Iron pickaxe || Efficiency III, Unbreaking IV
|-
| 2 || Industrial Drill || 30 || $4,000 || Diamond pickaxe || Efficiency IV, Unbreaking III, Fortune I
|-
| 3 || Apex Drill || 45 || $6,500 || Netherite pickaxe || Efficiency V, Unbreaking IV, Fortune II
|}

Drills work only in the resource world, nether, and end. See [[Drills and harvesters]] for full mechanics.

== Master Smith ==
The [[Master Smith]] is an upgrade station at the Job Center offering elevated enchant levels.

=== Books (applied via anvil) ===
{| class="wikitable"
|-
! Tier !! Book !! Gate !! Cost
|-
| 1 || Efficiency VII || [[Skill trees|Skill tree]] node (L35+) || $10,000 + 5 diamond blocks
|-
| 1 || Fortune V || Skill tree node (L45+) || $12,000 + 5 diamond blocks
|-
| 2 || Efficiency VIII || [[Prestige]] P2 (Twice-Forged) || $35,000 + 12 diamond blocks
|-
| 2 || Fortune VI || Prestige P2 || $40,000 + 12 diamond blocks
|-
| 3 || Efficiency IX || Prestige P4 (Mythic) || $100,000 + 20 diamond blocks
|-
| 3 || Fortune VII || Prestige P4 || $120,000 + 20 diamond blocks
|}

== Prestige tools ==
Each prestige tier grants a named prestige pickaxe (Efficiency V, Fortune III, Unbreaking V on netherite). The name and color change per tier but base enchants are the same. Stat progression comes from Master Smith books.

{| class="wikitable"
|-
! Tier !! Tool name !! Master Smith unlock
|-
| P1 || Reborn Drill || Base books
|-
| P2 || Twice-Forged Drill || Tier 2 books
|-
| P3 || Thrice-Forged Drill || —
|-
| P4 || Mythic Drill || Tier 3 books
|-
| P5 || Eternal Drill || —
|}

== Stipends ==
Miners have a 20% chance per block broken to receive 1 gunpowder as a stipend drop (resource world only). See [[Stipends]].

== See also ==
* [[Jobs]] — overview of all jobs
* [[Drills and harvesters]] — full drill and harvester mechanics
* [[Master Smith]] — enchant upgrade station
* [[Skill trees]] — Miner skill tree nodes
* [[Prestige]] — prestige system
* [[Resource world]] — where to mine

[[Category:Jobs]]

Main Page

2026-06-10T20:24:49Z

Maintenance script: 2026-06-10 update: pay raise +25%, banking, build contracts, status fixes

Welcome to the official wiki for '''Prosperity SMP''', a Minecraft survival economy server running Paper 1.21.8.

== Getting started ==
New to the server? Read the [[Getting started|new player guide]] to learn how to join, pick a job, and earn your first paycheck.

* '''Server address:''' <code>play.prosperitysmp.com</code>
* '''Bedrock port:''' <code>19132</code>
* '''Version:''' Paper 1.21.8 (Java + Bedrock cross-play)

== Quick links ==
{| class="wikitable" style="width:100%;"
|-
! style="width:33%;" | Gameplay
! style="width:34%;" | Progression
! style="width:33%;" | Reference
|-
|
* [[Getting started]]
* [[Jobs]]
* [[Dungeons]]
* [[Economy]]
* [[Banking]]
* [[Trading]]
* [[Auction house]]
* [[Direct trading]]
* [[Contracts]]
* [[Government build contracts]]
* [[Real estate]]
* [[Resource world]]
|
* [[Skill trees]]
* [[Prestige]]
* [[Drills and harvesters]]
* [[Master Smith]]
* [[Crates]]
* [[Titles]]
* [[Stipends]]
|
* [[Server rules]]
* [[Commands]]
* [[Frequently asked questions|FAQ]]
* [[Zoning regulations]]
* [[Lore]]
|}

== Jobs ==
{| class="wikitable" style="width:100%;"
|-
! Job !! Pays for !! Key unlocks
|-
| [[Miner]] || Stone, ores, deepslate || [[Drills and harvesters|Drills]], [[Master Smith]] upgrades
|-
| [[Farmer]] || Crops || [[Drills and harvesters|Harvesters]], auto-replant
|-
| [[Builder]] || Placing blocks || [[Contracts|Civic contracts]]
|-
| [[Woodcutter]] || Logs || Tree-felling upgrades
|-
| [[Hunter]] || Hostile mobs || [[Dungeons]], ranks E-S, combat gear
|-
| [[Fisherman]] || Fish || Rod enchants, rare-fish perks
|}

== Plugins ==
{| class="wikitable" style="width:100%;"
|-
! Plugin !! Purpose
|-
| [[ChestShop]] || Player-owned shops
|-
| [[Simulated ChestShop]] || Automated market activity engine
|-
| [[Admin shop]] || Server shop (<code>/shop</code>)
|-
| [[Essentials]] || Homes, teleportation, mail
|-
| [[BOLT]] || Chest and door locking
|-
| [[Simple Voice Chat]] || Proximity voice (Java mod)
|-
| [[CoreProtect]] || Block inspection
|-
| [[Plot rental]] || Land rental (ARM)
|-
| [[Bedrock setup]] || Bedrock Edition connection
|}

== Community ==
* [https://discord.gg/prosperitysmp Discord server]
* [[Lore]] — world history

Jobs

2026-06-10T20:24:48Z

Maintenance script: 2026-06-10 update: pay raise +25%, banking, build contracts, status fixes

'''Jobs''' are the primary way to earn money on Prosperity SMP. The server runs six careers through the Jobs Reborn plugin, each paying wages for specific in-game actions. Players can hold one job at a time and switch freely with a 60-second cooldown.

== Available jobs ==
{| class="wikitable" style="width:100%;"
|-
! Job !! Pays for !! Starting wage !! Key unlocks
|-
| [[Miner]] || Breaking stone, ores, deepslate || ~$0.044/block, ores $0.19-1.13 || Drills (L15/L30/L45), Master Smith (L35+)
|-
| [[Farmer]] || Harvesting crops || $0.13-0.50/crop || Harvesters (L15/L30/L45)
|-
| [[Builder]] || Placing blocks || ~$0.038/block || Civic contracts (primary income)
|-
| [[Woodcutter]] || Chopping logs || ~$0.063/log || Tree-felling upgrades
|-
| [[Hunter]] || Killing hostile mobs || $0.50-1.25/kill (bosses to $8+) || Dungeon access, combat gear
|-
| [[Fisherman]] || Catching fish || $1.13-1.88/catch || Rod enchants, rare-fish perks
|}

Base wages for all six jobs were raised by 25 percent on 2026-06-10. Wages additionally increase by 1% per level, up to +50% at level 50. Real income also includes item drops, [[Admin shop]] sales, [[Contracts|contracts]], and stipends.

== How jobs work ==
# Run <code>/jobs browse</code> to see available jobs.
# Click a job to join it, or run <code>/jobs join <name></code>.
# Perform qualifying actions to earn wages and XP.
# Level up to unlock new perks, [[Titles|titles]], and equipment.
# At level 50, you can [[Prestige|prestige]] to reset and earn permanent bonuses.

== Leveling ==
Each level requires a fixed amount of XP. The curve is near-linear — level 50 takes approximately 50 hours of active work.

{| class="wikitable"
|-
! Milestone !! Approximate time
|-
| Level 10 || 2-3 hours
|-
| Level 20 || 7-10 hours
|-
| Level 30 || 18-25 hours
|-
| Level 40 || 32-40 hours
|-
| Level 50 || ~50 hours
|}

== Titles ==
All six jobs share the same title progression. Titles display in chat and the tab list.

{| class="wikitable"
|-
! Level !! Title !! Color
|-
| 1 || Novice || Gray
|-
| 10 || Apprentice || Blue
|-
| 20 || Elite || Purple
|-
| 30 || Master || Pink
|-
| 40 || Grand Master || Yellow
|-
| 50 || Legendary || Gold
|}

Use <code>/title <job></code> to pin a specific title, or <code>/title auto</code> to show your highest. See [[Titles]] for details.

[[Prestige]] titles (Reborn, Twice-Forged, Thrice-Forged, Mythic, Eternal) outrank regular titles.

== Prestige ==
At level 50, run <code>/prestige <job></code> to reset to level 1 with permanent bonuses. See [[Prestige]] for the full cost table.

== Commands ==
{| class="wikitable"
|-
! Command !! Description
|-
| <code>/jobs browse</code> || View and join available jobs
|-
| <code>/jobs info</code> || See your current job stats
|-
| <code>/jobs leave</code> || Leave your current job
|-
| <code>/jobs top</code> || Leaderboard by job level
|-
| <code>/prestige <job></code> || Prestige a maxed job
|-
| <code>/title <job></code> || Pin a title to display
|}

== See also ==
* [[Skill trees]] — per-job perk unlocks
* [[Contracts]] — bonus income from deliveries
* [[Crates]] — loot from job crates
* [[Titles]] — title progression details
* [[Drills and harvesters]] — AOE tools for Miners and Farmers

[[Category:Gameplay]]

Item worth

2026-06-10T20:24:48Z

Maintenance script: 2026-06-10 update: pay raise +25%, banking, build contracts, status fixes

The '''item worth''' system is a server-side pricing engine that estimates the market value of every Minecraft item. Estimates are published on the [https://economy.prosperitysmp.com economy dashboard], and recent player-trade prices can be checked in game with <code>/market <item></code>. The engine deployed on 2026-05-28. (An earlier in-game tooltip display was retired on 2026-05-30.)

== Overview ==

Item worth combines four data sources to produce a single per-item estimate:

# The admin shop floor price, set by the server in [[Admin_shop|admin shop]].
# The simulated market's maximum bid price (the [[Simulated_ChestShop|sim shop]]).
# Real player-to-player trade medians, drawn from [[ChestShop]] transaction logs.
# The cost of crafting the item from priced ingredients (recipe-cost).
# Hand-set reference values for collectibles with no recipe or market (music discs, mob heads, armor-trim templates, and similar loot-only items; expanded 2026-06-10).

The engine blends whichever sources are available for a given item into a single market estimate. When no direct source exists, the engine falls back to a category median (for example, all wood-family items share a category) and, as a last resort, a global median.

== Reading the estimate ==

On the economy dashboard each item shows two figures:

Admin Sell: $X
Market Est: $Y

The '''Admin Sell''' line reports the price the admin shop pays the player when the player sells the item to the shop. For items the server does not buy, the line reads <code>not bought</code>.

The '''Market Est''' line reports the engine's best estimate of the item's player-to-player market value. The estimate is annotated with a confidence indicator:

{| class="wikitable"
|-
! Tag !! Meaning
|-
| (no tag) || Derived from admin shop and sim shop data; medium confidence
|-
| <code>(7d median)</code> || Derived from real player trades in the past seven days; high confidence
|-
| <code>(recipe)</code> || Computed as the sum of ingredient costs; high confidence for stable recipes
|-
| <code>(rough)</code> || Derived from a category or global median; low confidence
|}

The Market Est value reflects the engine's best guess at what a fair player-to-player price would be. It is not a guarantee of price discovery.

== Coverage ==

The engine maintains worth values for every item that has an in-game item form. Items without a direct admin-shop price are still priced through recipe inference or category median, so every item carries an estimate.

As of 2026-05-28 the engine maintains 1,859 priced items: 471 from direct admin shop or sim shop data, 235 from recipe inference, and 1,153 from category-median fallback.

== Recipe inference ==

For items not directly priced, the engine attempts to derive a price from the item's crafting recipe. The bucket, for example, is priced at three times the iron ingot's worth. Wood-family items follow a deterministic pattern: oak planks cost one-quarter of an oak log, an oak slab costs half a plank, and an oak door costs two planks.

The engine supports multi-step recipe convergence. The price of a bookshelf, for example, is derived from the price of a book, which is derived from the price of paper, which is derived from the price of sugar cane (an admin-priced material).

== What the estimate is not ==

The displayed value is an estimate, not a binding price. Sellers may price items above or below the estimate at their discretion. The admin shop pays its listed floor price and not the Market Est; that figure is shown only for reference.

The estimate does not include sentimental or aesthetic value. Enchanted items, named items, and items with custom NBT may carry higher player-market value than the engine reports.

== Tracking inflation ==

The engine is wired to apply two adjustment multipliers when their data sources activate:

* '''Inflation multiplier:''' a server-wide adjustment derived from the [[Monetary_policy_engine|monetary policy engine]]. The multiplier remains at 1.0 until the policy engine exits its bootstrap period (approximately 2026-06-05).
* '''Scarcity multiplier:''' a per-material adjustment based on the cumulative extraction count for ores in mineable worlds (resource world, nether, end). The multiplier remains at 1.0 until extraction passes 10 percent of the theoretical worldgen budget for that material.

Both multipliers operate as no-ops while their source systems are still ramping up, and will begin scaling worth values automatically once those systems go active.

== See also ==

* [[Economy]] — server economy overview
* [[Crates]] — crate progression system
* [[ChestShop]] — player-run shops

[[Category:Economy]]

Hunter

2026-06-10T20:24:47Z

Maintenance script: 2026-06-10 update: pay raise +25%, banking, build contracts, status fixes

{{Notice|The Hunter career is being reworked into the server's dungeon-clearing path. Ranks and the first dungeon are live; per-kill dungeon experience and the full [[Skill trees|skill tree]] are still rolling out.}}

The '''Hunter''' is one of six [[Jobs|jobs]] on Prosperity SMP and the server's combat career. Hunters earn wages by killing hostile mobs and progress by clearing [[Dungeons|dungeons]]. A Hunter's job level sets their '''rank''', from E up to S, which determines the dungeons they can take on.

== Joining ==
Run <code>/jobs join hunter</code> or select Hunter from <code>/jobs browse</code>.

== Ranks ==
The Hunter's job-level tiers are shown as ranks. Your displayed title is your current rank:

{| class="wikitable"
|-
! Hunter level !! Rank
|-
| 1 || E-Rank Hunter
|-
| 10 || D-Rank Hunter
|-
| 20 || C-Rank Hunter
|-
| 30 || B-Rank Hunter
|-
| 40 || A-Rank Hunter
|-
| 50 || S-Rank Hunter
|}

Ranking up is the core of the Hunter path: higher ranks unlock harder, more rewarding [[Dungeons|dungeons]]. You raise your rank by earning Hunter job experience — from hunting hostile mobs out in the world and from clearing dungeons.

== Dungeons ==
Hunter is the career built around [[Dungeons|dungeons]] — instanced boss challenges run solo or with a party. Clearing one awards a cash bounty, a loot crate, and Hunter experience toward your next rank. See the [[Dungeons]] page for how to enter and what to expect.

== Pay rates ==
Hunters earn per hostile mob killed; stronger mobs pay more. Base wages for all jobs were raised by 25 percent on 2026-06-10. Representative wages:

{| class="wikitable"
|-
! Mob !! Base wage
|-
| Zombie, husk, drowned || $0.50
|-
| Skeleton, stray || $0.69
|-
| Creeper, witch || $0.88
|-
| Enderman, vindicator || $1.00
|-
| Blaze, wither skeleton, guardian, breeze || $1.25
|-
| Ghast, evoker, shulker || $1.56
|-
| Ravager || $4.06
|-
| Elder guardian || $5.00
|-
| Warden || $8.13
|}

Passive animals pay far less ($0.13-0.50). Dungeon mobs pay separately and substantially more.

== Stipends ==
Hunters have a 10% chance per kill to receive 2 arrows as a [[Stipends|stipend]] drop.

== Prestige ==
The Hunter prestige tool is a bow with Power V, Infinity, and Unbreaking V. See [[Prestige]] for costs.

== See also ==
* [[Dungeons]] — the dungeon system
* [[Jobs]] — overview of all jobs
* [[Skill trees]] — Hunter skill tree nodes
* [[Stipends]] — bonus item drops
* [[Titles]] — title progression

[[Category:Jobs]]

Government build contracts

2026-06-10T20:24:47Z

Maintenance script: 2026-06-10 update: pay raise +25%, banking, build contracts, status fixes

'''Government build contracts''' hire players to construct public buildings - civic halls, infrastructure, event spaces - on government land. A contracted builder receives flight and special building tools inside the build site, without needing to gather or buy the materials themselves. The system went live on 2026-06-10.

== How it works ==
# Staff open a build contract that names the '''builder''' and the '''build site''' (a protected region).
# Inside the site, the builder runs <code>/buildmode</code> to enable flight.
# Materials are placed directly with region-limited [https://worldedit.enginehub.org/ WorldEdit] commands - blocks go straight into the world, never into the builder's inventory.
# Basic blocks (stone, dirt, glass, and similar) can also be drawn by hand with <code>/bp</code> for detail work.
# When the build is finished, staff close the contract and all build-mode access is removed automatically.

Builders stay in survival mode the entire time. Flight turns off automatically when leaving the build site.

== Builder commands ==
{| class="wikitable"
|-
! Command !! Description
|-
| <code>/buildmode</code> || Toggle build flight while standing inside your contract's build site
|-
| <code>/bp <block></code> || Receive a stack of a basic building block (stone, cobblestone, dirt, sand, glass, and similar)
|-
| <code>//wand</code> || Get the WorldEdit selection wand
|-
| <code>//set <block></code> || Fill your selection with a block
|-
| <code>//replace <from> <to></code> || Replace blocks within your selection
|-
| <code>//undo</code> || Undo your last WorldEdit action
|}

== Limits ==
* WorldEdit works '''only inside the contract's build site''' and only with building materials. Valuable blocks (ores, diamond, netherite, beacons), containers, TNT, and lava cannot be placed.
* The hand palette (<code>/bp</code>) covers only basic, low-value blocks. Everything with market value is placed via WorldEdit so it never enters an inventory.
* '''Job wages are not paid inside build sites.''' Placing or breaking blocks on a government build does not earn [[Jobs]] income - builds are paid through the contract itself.
* Build-mode access ends when the contract closes, when the builder logs out, or when staff revoke it.

== Getting hired ==
Build contracts are opened by staff for specific public projects. If you want to build for the government, reach out on Discord - strong builders are always wanted.

== See also ==
* [[Contracts]] - civic delivery contracts
* [[Builder]] - the Builder job
* [[Zoning regulations]] - building rules by plot type

[[Category:Gameplay]]

Fisherman

2026-06-10T20:24:46Z

Maintenance script: 2026-06-10 update: pay raise +25%, banking, build contracts, status fixes

{{Notice|This job page covers the core mechanics. The full [[Skill trees|skill tree]] breakdown and advanced strategies are still in development.}}

The '''Fisherman''' is one of six [[Jobs|jobs]] on Prosperity SMP. Fishermen earn wages by catching fish.

== Joining ==
Run <code>/jobs join fisherman</code> or select Fisherman from <code>/jobs browse</code>.

== Pay rates ==
Fishermen earn per fish caught. Base wages for all jobs were raised by 25 percent on 2026-06-10.

{| class="wikitable"
|-
! Catch !! Base wage
|-
| Tropical fish, pufferfish || $1.88
|-
| Salmon || $1.50
|-
| Cod || $1.13
|}
Treasure catches (enchanted books, saddles, nautilus shells) do not pay wages but are valuable as loot.

== Titles ==
{| class="wikitable"
|-
! Level !! Title
|-
| 1 || Novice Fisherman
|-
| 10 || Apprentice Fisherman
|-
| 20 || Elite Fisherman
|-
| 30 || Master Fisherman
|-
| 40 || Grand Master Fisherman
|-
| 50 || Legendary Fisherman
|}

== Prestige ==
The Fisherman prestige tool is a fishing rod with Luck of the Sea III, Lure III, and Unbreaking V. See [[Prestige]] for costs.

== See also ==
* [[Jobs]] — overview of all jobs
* [[Skill trees]] — Fisherman skill tree nodes
* [[Titles]] — title progression

[[Category:Jobs]]

Farmer

2026-06-10T20:24:46Z

Maintenance script: 2026-06-10 update: pay raise +25%, banking, build contracts, status fixes

{{Notice|This job page covers the core mechanics. Additional details including the full [[Skill trees|skill tree]] node breakdown and advanced strategies are still being developed.}}

The '''Farmer''' is one of six [[Jobs|jobs]] on Prosperity SMP. Farmers earn wages by harvesting crops. Higher levels unlock [[Drills and harvesters|harvesters]] (3x3 AOE farming tools with auto-replant).

== Joining ==
Run <code>/jobs join farmer</code> or select Farmer from <code>/jobs browse</code>.

== Pay rates ==
Farmers earn per fully-grown crop harvested. Base wages for all jobs were raised by 25 percent on 2026-06-10.

{| class="wikitable"
|-
! Crop !! Base wage
|-
| Pumpkin || $0.50
|-
| Carrots, potatoes || $0.21
|-
| Wheat, beetroot || $0.19
|-
| Melon || $0.13
|}

Wages increase by 1% per level (up to +50% at level 50). See [[Jobs]] for the leveling curve. Income also comes from selling produce to player [[ChestShop|shops]], the [[Admin shop]], and [[Contracts|civic contracts]].

== Stipends ==
Farmers have a 7% chance per crop harvested to receive 1 bone meal as a [[Stipends|stipend]] drop.

== Tools ==
Harvesters are 3x3 AOE hoes purchased with <code>/buyharvester</code>, gated by Farmer level. See [[Drills and harvesters]] for pricing and mechanics.

== Titles ==
{| class="wikitable"
|-
! Level !! Title
|-
| 1 || Novice Farmer
|-
| 10 || Apprentice Farmer
|-
| 20 || Elite Farmer
|-
| 30 || Master Farmer
|-
| 40 || Grand Master Farmer
|-
| 50 || Legendary Farmer
|}

See [[Titles]] for the full title system including [[Prestige|prestige titles]].

== Prestige ==
The Farmer prestige tool is a netherite hoe with Efficiency V and Unbreaking V, with 3x3 AOE farming and auto-replant. See [[Prestige]] for the full cost table and [[Drills and harvesters]] for tool details.

== See also ==
* [[Jobs]] - overview of all jobs
* [[Drills and harvesters]] - AOE tool mechanics
* [[Skill trees]] - per-job perks
* [[Prestige]] - prestige system

[[Category:Jobs]]

Economy

2026-06-10T20:24:45Z

Maintenance script: 2026-06-10 update: pay raise +25%, banking, build contracts, status fixes

The '''economy''' on Prosperity SMP is player-driven. Money enters through [[Jobs|job wages]], [[Contracts|contracts]], and crate rewards. Money leaves through the [[Admin shop]], land purchases, [[Prestige|prestige costs]], and tool upgrades. Player-to-player trading via [[ChestShop]] is the backbone of the market — and as you progress, the largest fortunes come not from repeating a single grind, but from producing goods and trading them through ChestShops and the wider market at scale.

== Money sources ==
{| class="wikitable" style="width:100%;"
|-
! Source !! How it works !! Typical income
|-
| [[Jobs|Job wages]] || Automatic pay per action || $375-500/hr at L1, $1,500+/hr at L50 with tools (base pay +25% on 2026-06-10)
|-
| [[Contracts|Civic contracts]] || Deliver materials for cash || 1.5-3x material value
|-
| [[Crates]] || Random loot from job progression || $75 (apprentice) to $2,000+ (prestige)
|-
| [[Admin shop]] sell || Sell to server shop || Floor price, guaranteed buyer
|-
| Stipends || Bonus drops while working || Gunpowder (Miner), bone meal (Farmer), arrows (Hunter)
|}

== Money sinks ==
{| class="wikitable" style="width:100%;"
|-
! Sink !! Cost range
|-
| [[Real estate|Plot purchases]] || Varies by auction
|-
| Drill and harvester purchases || $1,000-6,500 per tool
|-
| [[Miner#Master Smith|Master Smith]] books || $10,000-120,000 per book + diamond blocks
|-
| [[Prestige]] costs || $25,000-1,000,000 per tier + materials
|-
| [[Admin shop]] purchases || Market-rate pricing
|}

== Market prices ==
Run <code>/market <item></code> to check the median price for any item based on recent trades.

== Tips for building wealth ==
# '''Join a job first.''' Job wages are the most reliable income.
# '''Sell to players, not the admin shop.''' Player shops almost always pay more.
# '''Complete contracts.''' They pay 1.5-3x the material value.
# '''Upgrade your tools.''' Drills and harvesters pay for themselves within hours.
# '''Invest in land.''' Commercial plots let you run a [[ChestShop]] that earns money while offline.
# '''Check /market before pricing.''' Price competitively against existing sellers.

== The late game: produce, then trade ==
Early on, [[Jobs|job wages]] are your steady paycheck. But the players who build real wealth do it through '''trade''', not by repeating one activity forever. The late-game economy rewards '''commerce at scale''': turning what you produce into a stocked, well-priced business.

A farm or a mine is the '''input''', not the income. A mob farm that pours out gunpowder, an iron farm, or a large crop field is valuable because of what you can '''do with the output''' — sell it to other players through [[ChestShop]]s, supply [[Contracts|contracts]], or buy low and resell high. The player who runs a farm and sits on the drops earns far less than the one who turns that output into shops other players buy from.

The path scales like a business:
# '''Produce''' a surplus of something useful — through jobs, farms, mining, or gathering.
# '''Sell it''' through your own [[ChestShop]]s. Players almost always pay more than the [[Admin shop]] floor.
# '''Reinvest''' the profit into more stock, better tools, and [[Real estate|commercial plots]].
# '''Trade up''' — check <code>/market</code> for what the market is short on, and supply it.

In short: '''the farm is the input, the market is the income.'''

=== Farms are tools, not exploits ===
Farms are encouraged as a way to '''produce''' goods for the market — but they must be played, not automated. Fully AFK setups — auto-clickers, machines that farm while you are away, or anything that removes the "you must be present and interacting" requirement — are '''not''' a path to the late game, and are prohibited under the [[Server rules]]. They also miss the point of the economy: value comes from real production brought to market, not from idling a machine. A farm you actively run, then sell the output from, is exactly how the late game is meant to work.

== Inflation ==
The server monitors money supply and prices through an automated economic dashboard. Gradual price increases are normal as money enters through wages. Hoarding cash loses value slowly; investing in tools, land, and inventory preserves wealth.

== See also ==
* [[Jobs]] — primary income source
* [[ChestShop]] — player-to-player trading
* [[Prestige]] — endgame money sink
* [[Contracts]] — bonus income
* [[Banking]] — savings and bonds (opening soon)

[[Category:Gameplay]]

Direct trading

2026-06-10T20:24:44Z

Maintenance script: 2026-06-10 update: pay raise +25%, banking, build contracts, status fixes

{{Notice|Direct trading is '''temporarily disabled''' while the system undergoes final testing. The <code>/trade</code> command will be announced when it opens.}}

'''Direct trading''' lets two players swap items and cash in a single secure window. Both players place their offers, both confirm, and the exchange happens atomically — neither side can take the goods and run. It replaces the old "drop the items and trust the other player to <code>/pay</code>" method, which has cost players items in the past. Start a trade with <code>/trade <player></code>.

== Starting a trade ==

# Run <code>/trade <player></code> to send a request. The other player has 30 seconds to respond.
# The other player accepts by clicking '''[Accept]''' in chat, or by typing <code>/trade accept</code>. They can refuse with <code>/trade deny</code>.
# Once accepted, a shared trade window opens for both players.

Both players must be online, but there is '''no distance limit''' — you can trade across any world. Each player can be in only one trade at a time.

== The trade window ==

The window is split down the middle: your offer on the left, the other player's offer on the right. Both players see the same window, and it updates live as either side makes changes.

* '''Item slots:''' 12 per player. Shift-click an item from your inventory to add it to your side; click it in the window to take it back.
* '''Cash slot:''' click your cash slot, then type an amount in chat to add money to your side. Type <code>clear</code> to remove it.
* '''Ready button:''' click it when you are satisfied with both offers. It turns green.
* '''Cancel button:''' ends the trade at any time, with nothing changing hands.

Items and cash are only '''reserved''' while the window is open. They are not removed from your inventory until the trade completes, and a cancelled trade leaves everything exactly where it was.

== Confirming ==

Once '''both''' players have clicked Ready, a 3-second countdown begins. When it finishes, the swap executes: each player receives the other's offered items, and the cash is transferred.

To prevent last-second switches, '''any change to either offer resets both Ready buttons.''' If someone adds, removes, or alters an item — or changes the cash amount — both players must click Ready again. Either player can also un-ready during the countdown to stop the trade.

At execution, the server re-checks that both players are still online and still hold everything they offered. If anything is missing, the trade aborts and nothing is lost. Any items that do not fit in a player's inventory drop at their feet.

== Fees ==

Direct trading has '''no fee'''. The full amounts are exchanged exactly as offered.

== What transfers ==

All item data is preserved: enchantments, [[Master Smith|master tools]], armor trims, custom names, and durability all carry over unchanged. Cash moves through the server's economy ledger, so trades are visible to the economy systems, and high-value trades are logged for staff review.

== Bedrock players ==

Direct trading works on [[Bedrock setup|Bedrock Edition]]. The trade window is a standard chest menu rendered natively by Geyser. Because clickable chat links can be unreliable on Bedrock keyboards, the <code>/trade accept</code> and <code>/trade deny</code> commands are always available as a reliable alternative to clicking '''[Accept]'''.

== Commands ==

{| class="wikitable"
|-
! Command !! Effect
|-
| <code>/trade <player></code> || Send a trade request
|-
| <code>/trade accept</code> || Accept an incoming request
|-
| <code>/trade deny</code> || Decline an incoming request
|-
| <code>/trade cancel</code> || Cancel the trade you are currently in
|}

== Trade safety ==

Direct trading is the safest way to exchange items with another player one-on-one. Because the swap is atomic, there is no point at which one player holds both sides. Scamming through other means remains prohibited under the [[Server rules]], and trades are logged for staff review.

== See also ==

* [[Trading]] — overview of every way to trade on the server
* [[Auction house]] — fixed-price public marketplace
* [[ChestShop]] — player-owned shop signs
* [[Server rules]] — scamming and trade-fraud rules
* [[Commands]] — full command reference

[[Category:Gameplay]]

Crates

2026-06-10T20:24:44Z

Maintenance script: 2026-06-10 update: pay raise +25%, banking, build contracts, status fixes

'''Crates''' are sealed containers that grant a random reward when opened. They are obtained primarily through [[Jobs|job]] progression and serve as a secondary income stream alongside Jobs payments and player trading.

== Overview ==

The crate system deployed on 2026-05-26 groups crates into four reward tiers per career, plus a prestige tier, a gambling variant, and a one-time welcome crate. Opening a crate is a single right-click action; '''no keys are required.''' The crate item itself is the container. The reward is selected at random from the crate's reward table, with the chance of each reward determined by its weight.

== Tiers ==

There are four reward tiers in the standard career crate progression. The tier of a dropped crate matches the player's current level in the relevant job at the time of the drop.

{| class="wikitable"
|-
! Tier !! Level range !! Typical rewards
|-
| Welcome || One-time only || Starter materials, small cash stipend
|-
| Apprentice || Job level 1-15 || Common career items, modest cash
|-
| Master || Job level 16-35 || Mid-tier ingots, enchanted gear, blocks
|-
| Legendary || Job level 36-50 || High-value materials, rare enchanted items
|-
| Prestige (P1) || Available after reaching [[Prestige|prestige]] 1 || Master tools, vouchers, soulbound utilities
|-
| Prestige (advanced) || Available after prestige 2 and above || Endgame and cosmetic rewards
|}

A career crate's reward pool is themed to its job. The Miner Legendary crate, for example, weights heavily toward diamond, netherite, and Fortune-enchanted gear, while the Farmer Legendary crate favors crops, bonemeal, and Replenish-enchanted tools.

== How crates are obtained ==

Crates drop from three sources:

# '''Milestone level-ups.''' A career crate is granted at every fifth job level (5, 10, 15, 20, 25, 30, 35, 40, 45). Reaching level 50 grants three crates instead of one.
# '''Random Jobs payments.''' Each Jobs Reborn payment carries a small chance to drop a crate. The base rate is 0.03 percent per payment.
# '''Server events.''' Admins may grant crates as event rewards, contest prizes, or compensation.

Prestige crates are granted exclusively upon completing a prestige tier and cannot be obtained through normal drops.

== Opening crates ==

To open a crate, hold the crate item in the hotbar and right-click. The opening animation plays at the player's location and the reward is added to the player's inventory. If the inventory is full, the reward drops at the player's feet.

The opening animation uses the CSGO-style scrolling reveal. The animation cannot be skipped.

=== Mass opening ===

Holding shift while right-clicking a stack of crates opens all crates in the stack sequentially. Rewards accumulate in the inventory. Large stacks may take several seconds to fully process.

== Gambling crate ==

{{Notice|The <code>/gamble</code> command was '''disabled on 2026-06-10'''. A reworked gambling system (casino games and a lottery) is in development; the crate may return as part of it.}}

The gambling crate was a paid variant available through the <code>/gamble</code> command. The command cost '''$325 per pull''' and rolled a single reward from the gambling crate's table. The expected value of a pull was approximately $288, giving the house an edge of about 11 percent.

The gambling crate's reward pool covers five outcome ranges:

* '''Bust''' (45 percent total): rotten flesh or dirt
* '''Small win''' (32 percent): $100-$150 cash, iron or a single diamond
* '''Decent win''' (17 percent): $550 cash, 16 diamond, or an enchanted book
* '''Big win''' (5 percent): $2,400 cash, netherite scrap, or enchanted diamond armor
* '''Jackpot''' (1 percent): a $10,000 cash prize, a random soulbound utility, or a random master tool

Players were limited to 20 pulls per day. The jackpot was broadcast server-wide when it hit.

== Mending books ==

Mending is not available from the standard Master crate. The only legitimate source of Mending on Prosperity SMP is the [[Master_Smith|master tool]] obtained from a Prestige P1 crate. Master tools carry the Mending enchantment as a baked-in property and cannot be transferred to other items.

== See also ==

* [[Jobs]] — career system and prestige
* [[Item worth]] — item pricing tooltips
* [[Getting started]] — new player guide

[[Category:Gameplay]]

Contracts

2026-06-10T20:24:43Z

Maintenance script: 2026-06-10 update: pay raise +25%, banking, build contracts, status fixes

'''Civic contracts''' are bulk delivery quests on Prosperity SMP. Players hand in specified materials to earn cash rewards. Contracts have cooldowns and daily caps to prevent exploitation.

== How contracts work ==
# Run <code>/contracts</code> to see all active contracts.
# Run <code>/contractinfo <id></code> to view details for a specific contract (material, quantity, reward, cooldown, daily cap).
# Gather the required materials in your inventory.
# Run <code>/deliver <id></code> to hand in the items and receive payment.

== Contract details ==
Each contract specifies:
; Material
: The item type to deliver (e.g., cobblestone, iron ingot, oak log).
; Quantity
: The number of items per delivery.
; Reward
: Cash payout per successful delivery. Contracts typically pay 1.5 to 3 times the raw material value.
; Cooldown
: Minimum time between deliveries (default: 30 minutes).
; Daily cap
: Maximum deliveries per day (default: 10).

== Pricing philosophy ==
Contract rewards are calibrated against the [[Jobs|job wage]] baseline (roughly $150-220 per hour for new players after the 2026-06-10 pay raise). Contracts offer bonus income on top of regular job wages, especially for the [[Builder]] career where per-block wages are low.

== Sign interaction ==
Right-clicking a sign with <code>[Contract]</code> on line 1 and a contract ID on line 2 opens the contract info display for that contract.

== Commands ==
{| class=wikitable
|-
! Command !! Description
|-
| <code>/contracts</code> || List all active contracts
|-
| <code>/contractinfo <id></code> || View details for one contract
|-
| <code>/deliver <id></code> || Hand in items and get paid
|}

== See also ==
* [[Jobs]] — primary income source
* [[Government build contracts]] — hired public-works builds
* [[Getting started]] — includes contract introduction
* [[Commands]] — full command reference

[[Category:Gameplay]]

Commands

2026-06-10T20:24:43Z

Maintenance script: 2026-06-10 update: pay raise +25%, banking, build contracts, status fixes

This page lists all player-facing '''commands''' available on Prosperity SMP, organized by category.

== Economy ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/balance</code> (or <code>/bal</code>) || Check your current balance
|-
| <code>/pay <player> <amount></code> || Send money to another player
|-
| <code>/baltop</code> || View the server balance leaderboard
|-
| <code>/shop</code> || Open the [[Admin shop]]
|-
| <code>/market <item></code> || Check the going rate for an item
|-
| <code>/find <item></code> || Search for player [[ChestShop|shops]] selling an item
|}

== Banking ==
The [[Banking|Central Bank]] is '''opening soon''' - these commands go live when it opens.
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/savings</code> || Open the Central Bank menu
|-
| <code>/savings deposit <amount></code> || Deposit into flexible savings
|-
| <code>/savings withdraw <amount></code> || Withdraw to your wallet
|-
| <code>/bond buy <amount></code> || Buy a 7-day bond
|-
| <code>/bond status</code> || Check your bond
|}

== Jobs ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/jobs browse</code> || View available jobs and join one
|-
| <code>/jobs info</code> || See your current job stats
|-
| <code>/jobs leave</code> || Leave your current job
|-
| <code>/jobs top</code> || Leaderboard by job level
|-
| <code>/prestige <job></code> || Prestige a maxed job (level 50)
|-
| <code>/skills</code> || Open the skill tree menu
|}

== Contracts ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/contracts</code> || List all active civic contracts
|-
| <code>/contractinfo <id></code> || View contract details
|-
| <code>/deliver <id></code> || Hand in items to fulfill a contract
|}

== Builders ==
For players hired onto [[Government build contracts|government build contracts]].
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/buildmode</code> || Toggle build flight inside your contract's build site
|-
| <code>/bp <block></code> || Draw a stack of a basic building block
|}

== Teleportation ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/spawn</code> || Return to spawn
|-
| <code>/home <name></code> || Teleport to a saved home
|-
| <code>/sethome <name></code> || Save current location as a home
|-
| <code>/delhome <name></code> || Delete a saved home
|-
| <code>/tpa <player></code> || Request to teleport to a player
|-
| <code>/tpaccept</code> || Accept a teleport request
|-
| <code>/rtp</code> || Random teleport to the resource world
|}

== Tools and upgrades ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/buydrill <1 or 2 or 3></code> || Purchase a drill (Miner level gated)
|-
| <code>/buyharvester <1 or 2 or 3></code> || Purchase a harvester (Farmer level gated)
|-
| <code>/smithy</code> || Open the Master Smith upgrade menu
|-
| <code>/smithy book efficiency [tier]</code> || Buy an Efficiency enchanted book
|-
| <code>/smithy book fortune [tier]</code> || Buy a Fortune enchanted book
|}

== Social ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/msg <player> <message></code> || Private message
|-
| <code>/r <message></code> || Reply to last message
|-
| <code>/mail send <player> <message></code> || Send offline mail
|-
| <code>/mail read</code> || Read your mail
|}

== Utility ==
{| class="wikitable" style="width:100%;"
|-
! Command !! Description
|-
| <code>/co inspect</code> || Toggle [[CoreProtect]] block inspector
|-
| <code>/bolt trust <player></code> || Trust a player on locked blocks
|-
| <code>/bolt info</code> || Check block ownership
|-
| <code>/seen <player></code> || Check when a player was last online
|-
| <code>/list</code> || See who is online
|}

== See also ==
* [[Getting started]] — new player walkthrough
* [[Jobs]] — job system overview

[[Category:Reference]]

Builder

2026-06-10T20:24:42Z

Maintenance script: 2026-06-10 update: pay raise +25%, banking, build contracts, status fixes

{{Notice|This job page covers the core mechanics. The full [[Skill trees|skill tree]] breakdown and advanced strategies are still in development.}}

The '''Builder''' is one of six [[Jobs|jobs]] on Prosperity SMP. Builders earn wages by placing blocks. Unlike other jobs, Builder income relies heavily on [[Contracts|civic contracts]] rather than per-action wages.

== Joining ==
Run <code>/jobs join builder</code> or select Builder from <code>/jobs browse</code>.

== Pay rates ==
Builders earn approximately '''$0.038''' per finished or decorative block placed (stone bricks, polished stone, planks, concrete, and similar); plain cobblestone pays $0.013 and rough blocks like tuff or cobbled deepslate pay $0.025. Base wages for all jobs were raised by 25 percent on 2026-06-10. Per-block pay is intentionally lower than other jobs because Builder income comes primarily from [[Contracts|contracts]].

== Titles ==
{| class="wikitable"
|-
! Level !! Title
|-
| 1 || Novice Builder
|-
| 10 || Apprentice Builder
|-
| 20 || Elite Builder
|-
| 30 || Master Builder
|-
| 40 || Grand Master Builder
|-
| 50 || Legendary Builder
|}

See [[Titles]] for the full title system.

== Prestige ==
The Builder prestige tool is a netherite shovel with Efficiency V and Unbreaking V. See [[Prestige]] for costs.

== See also ==
* [[Jobs]] — overview of all jobs
* [[Contracts]] — civic contract system (primary Builder income)
* [[Government build contracts]] — hired public-works builds with flight and WorldEdit
* [[Zoning regulations]] — building rules by plot type
* [[Titles]] — title progression

[[Category:Jobs]]

Banking

2026-06-10T20:24:41Z

Maintenance script: 2026-06-10 update: pay raise +25%, banking, build contracts, status fixes

Zoning Regulations

2026-06-03T03:39:05Z

Maintenance script: Redirect duplicate to canonical sentence-case page

#REDIRECT [[Zoning regulations]]

Zoning regulations

2026-06-03T03:39:04Z

Maintenance script: Update zoning: add height limits, fix farm rules

'''Zoning regulations''' define what can be built and operated on each plot type on Prosperity SMP. Land is sold bare — owners build to specification within these rules. Every plot falls into one of three zones, identified by a letter prefix and a three-digit number: residential ('''R'''), commercial ('''C'''), or industrial ('''I''') — for example, R001, C001, I001.

== Residential (R) ==
Residential plots are for personal homes and private builds.
* Only '''houses''' may be built — no businesses or paid services.
* Houses may not have '''more than three visible floors'''. Basements and rooftops are not counted as visible floors.
* Gardens and personal storage are permitted.

== Commercial (C) ==
Commercial plots are for businesses, shops, offices, and apartment buildings.
* Permitted builds include businesses, offices, shops, apartment buildings, and other commercial structures.
* [[ChestShop]] signs are encouraged on commercial plots.
* '''Height-limited to 60 blocks''', unless otherwise approved by the Department of Construction and Transport.

== Industrial (I) ==
Industrial plots are for factories, warehouses, and production facilities.
* Permitted builds include factories, warehouses, and material-processing facilities.
* Farms must be '''manual or semi-automatic''' — fully automatic AFK farms are prohibited (see [[Server rules]]).
* Agriculture is permitted only if conducted underground or otherwise hidden from view.
* '''Height-limited to 60 blocks''', unless otherwise regulated by subordinate laws.

== Apartments ==
* Apartments must not contain Nether portals or [[ChestShop]] signs.
* Water and lava must not drip from source blocks into neighboring rental units.

== General rules ==
* Build only within your plot boundaries. Encroaching on roads, paths, or neighboring plots is prohibited.
* No offensive structures in any zone. See [[Server rules]].
* Plot owners are responsible for maintaining their builds. Abandoned plots may be reclaimed by staff after notice.

== Enforcement ==
Zoning violations result in fines and admin-mediated remediation. Repeat offenders may be evicted, returning the plot to the market. The sheriff and administration hold final discretion.

== See also ==
* [[Real estate]] — how to acquire plots
* [[Auction Policy]] — bidding on government plot auctions
* [[Server rules]] — general conduct rules
* [[BOLT]] — protecting your builds

[[Category:Policies]]