Jump to content
You need to play a total of 5 battles to post in this section.
TheDreadnought

How about a bank for intra-player loans?

16 comments in this topic

Recommended Posts

2,069
[WOLF2]
Beta Testers
4,701 posts

So lots of us have piles of silver lying around.  The introduction of flags for silver was a big help.   What if there was a way to give back to the community.  A bank to loan silver to other players.

You post an amount of silver for a loan, along with a fixed interest rate the player sets (min 5%).  Another player comes in, borrows the silver, and then half their silver earnings go to you until the loan plus the interest is repaid.

So if I loan 1 million silver.  I could advertise it for 5%.

Somebody borrows the silver, and then I get half their gross silver earnings until they repay me 1 million plus 50k in interest. 

Of course there's the risk that somebody never repays you by quitting the game.  But hey. . . that's the world of finance for you.  LOL

  • Cool 2
  • Funny 2

Share this post


Link to post
Share on other sites
Members
1,289 posts
2,399 battles

The only way WG would go with this is if they could get thier cut. Likely instead of 5% interest it would have to involve doubloons instead.

Share this post


Link to post
Share on other sites
262
[SIMP]
Members
1,167 posts
10,158 battles
26 minutes ago, TheDreadnought said:

So lots of us have piles of silver lying around.  The introduction of flags for silver was a big help.   What if there was a way to give back to the community.  A bank to loan silver to other players.

You post an amount of silver for a loan, along with a fixed interest rate the player sets (min 5%).  Another player comes in, borrows the silver, and then half their silver earnings go to you until the loan plus the interest is repaid.

So if I loan 1 million silver.  I could advertise it for 5%.

Somebody borrows the silver, and then I get half their gross silver earnings until they repay me 1 million plus 50k in interest. 

Of course there's the risk that somebody never repays you by quitting the game.  But hey. . . that's the world of finance for you.  LOL

Best just give it away.

Share this post


Link to post
Share on other sites
2,069
[WOLF2]
Beta Testers
4,701 posts
3 minutes ago, _cthulhu_ said:

Best just give it away.

Nah. . . then I couldn't become a robber baron locking my fellow players into an endless loop of revolving debt!

Share this post


Link to post
Share on other sites
3,302
[MUDDX]
[MUDDX]
Beta Testers
8,144 posts
21,869 battles

There is already a way to do this. Gifting another player from the Premium Shop.

I doubt WG would add the loan thing you suggest. Credits are meant to be earned from battle. Besides that they wouldn't make any money off of it.

Share this post


Link to post
Share on other sites
379
[SEOP]
Members
1,555 posts
8,233 battles
43 minutes ago, TheDreadnought said:

So lots of us have piles of silver lying around.  The introduction of flags for silver was a big help.   What if there was a way to give back to the community.  A bank to loan silver to other players.

You post an amount of silver for a loan, along with a fixed interest rate the player sets (min 5%).  Another player comes in, borrows the silver, and then half their silver earnings go to you until the loan plus the interest is repaid.

So if I loan 1 million silver.  I could advertise it for 5%.

Somebody borrows the silver, and then I get half their gross silver earnings until they repay me 1 million plus 50k in interest. 

Of course there's the risk that somebody never repays you by quitting the game.  But hey. . . that's the world of finance for you.  LOL

World of Warships shylock.  I can see the interest collections process now....

 

Share this post


Link to post
Share on other sites
63
[DDCO]
[DDCO]
Members
95 posts
13,407 battles

I wish we could gift extra ships to our clan members. I always seem to get ships I don't want or have the premium versions of. AKA graf spee and others.

Share this post


Link to post
Share on other sites
3,535
[-K-]
[-K-]
Members
5,088 posts
18,043 battles

Why would WG let people circumvent one of the "pay for convenience" mechanics that are probably one of the biggest sources of (non-whale) new player income?

Share this post


Link to post
Share on other sites
3,748
[SYN]
Members
15,681 posts
12,778 battles

Not only is it silly, it's ripe for abuse.

Loan 100M Cr to an account that then proceeds to consume all of it, without ever intending to return any of it.

So the game is supposed to do what about this? give credits to the financer, with interest, despite zero credits in the borrower's account?

Give back nothing to the financer?

Share this post


Link to post
Share on other sites
3,231
[RKLES]
Members
12,195 posts
13,834 battles
2 minutes ago, MrDeaf said:

Not only is it silly, it's ripe for abuse.

Loan 100M Cr to an account that then proceeds to consume all of it, without ever intending to return any of it.

So the game is supposed to do what about this? give credits to the financer, with interest, despite zero credits in the borrower's account?

Give back nothing to the financer?

Lol you would also have to send Tugboats into the debtor’s port to repossess ships... yeah the idea could turn into a huge distater in short order. :Smile_veryhappy:

Share this post


Link to post
Share on other sites
10,471
[ARGSY]
Members
18,256 posts
12,699 battles
1 hour ago, TheDreadnought said:

half their gross silver earnings

Perhaps half their net profit would be better. Take half the gross silver and some people would never make a profit on a battle. You'd potentially lock them into playing T1 (where costs are zero) forever just to be sure of a profit on the game.

Share this post


Link to post
Share on other sites
1,265
[WO0KY]
Members
4,103 posts
3,186 battles
5 minutes ago, RipNuN2 said:

If this happened, say hello to the chinese gold sellers.

^ this

Share this post


Link to post
Share on other sites
2,859
[WOLFG]
Members
8,588 posts
6,989 battles

I've been trying to think of a way this wouldn't turn in to a disaster.

Haven't come up with one yet.

 

Share this post


Link to post
Share on other sites
1,314
[-K-]
Beta Testers
5,650 posts
11,421 battles

Enabling inter-player transfers gives a reason to steal accounts. Right now you can't clean out my account even if you were able to log into it, so it doesn't happen here on the level it does in player-economy MMOs.

Also, "intra" doesn't mean what you think it means.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 members

    No registered users viewing this page.

×