Posted by Banking System (Comprehensive + Images)

Vulpix (#5661)

Merciful
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Posted on
2016-09-20 11:40:17

The Beetle Bank!



Do beetles disappear right after you gain them?
Want to save up for something spectacular but never have enough beetles?
Do you forget about bundles and feel like it's inefficient?
Are you bad at accumulating beetles?


If so, then I present to you: The Beetle Bank: where you can store all your hard earned beetles!

* insert balloon and party noises*

I have taken the liberty of constructing a "mock" Banking system that I would love to see in place. I believe (after scouring many threads and searched goodies) that this idea has been suggested before. However, there are no recent posts, nor detailed descriptions of a system that would work with the game. So in turn, I have put together some graphics, as well as laid out a basic system that I think would benefit the players.

It will include the following features:
1. Deposit Beetles
2. Withdraw Beetles
3. Possible Interest system/daily beetles (?)

See below for what it would look like!
0sC5H3i.jpggtuUf2l.png

Thank you for reading this post! And please let me know if there are any other features you'd like to seen add. :)

~ ~

****** EDIT: 28/9/16 *****

Note: No GB can be learnt through Beetle Bank as it would be unfeasible to sustain the SB:GB ratio. Furthermore, real currency supports the game and helps for future improvements so this would be important.

Interest Tier System:

0 - 15,000 SB:
0.0001% Interest
1 SB daily.

15,001 - 30,000 SB:
0.0003% Interest
4 SB daily at 15,001 SB.
9 SB daily at 30,000 SB.

30,001 - 100,000 SB:
0.0004% Interest
12 SB daily at 30,000 SB.
40 SB daily at 100,000 SB.

100,001+ SB:
0.00045% Interest.
45 SB daily at 100,001 SB.
90 SB daily at 200,001 SB.


Thanks guys for all the feedback!







This suggestion has 215 supports and 10 NO supports.



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Edited on 28/09/16 @ 20:06:32 by Archimedes (#5661)

(Frozen!) Micah
🌈✨ (#58378)

Divine
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Posted on
2016-09-20 11:45:24
Wouldn't bundles pretty much be banking, without the interest rates? This seems a little unneeded because of bundles.

However, I would prefer this over the bundles because with bundles you would have to undo and redo them whenever you got more SB you wanted to save, where as with banking you have a total balance that you can just add to or withdraw from.. So.. I still support. Well, I don't really support the interest rates, but definitely the rest.



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Attic of The Sky (#12149)


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Posted on
2016-09-21 08:42:48
* insert balloon and party noises* Lol

But there is the bundle thing in our hoard. However I do like the idea of interest. I'm not too sure how this will effect the game but I support for now. :3

EDIT: Fonzie made some valid points. I'd prefer your banking system over the bundles.



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Edited on 21/09/16 @ 15:43:35 by 🎋 Kuritsu (2nd) 🎋 (#12149)

ஐRumourஐ (LOff!) (#96058)

Heavenly
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Posted on
2016-09-21 09:04:14
Loving this idea. What if the interest rate started out fairly low (say, 1 SB a day like you put up there), but increased over time? So every few months it would go up by a small margin.



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Dinocanid (#69182)

Prince of Terror
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Posted on
2016-09-21 09:17:41
I've been wanting this since forever. The current bundle system is "okay", but it gets pretty annoying to undo and redo bundles when you want to add currency or when you have to open multiple bundles to get the currency back; then you might not need the extra you unbundled so you bundle it again...you see my point. It would be so nice to just type in what you need to deposit/withdraw. and hopefully I'll spend less of my savings if it's further out of my reach



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Vulpix (#5661)

Merciful
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Posted on
2016-09-21 18:27:04
@Kuritsu & @Fonzie
I feel as though bundles is quite inefficient / all over the place. I personally would prefer a more "organised" system where it's like point blank. Here is your moneys, kind of thing. *U*

@Rumour
I totally agree. I think the interest rate should be something relatively low like 0.0005% - with the minimum being 1 SB a day or something - just something small to collect every day. And I think it should be strictly SB only.
E.g. If you have 10,000 SB in your bank you would only collect 50SB.

@Dinocanid
Yep! Exactly! Hence why I decided to put together this idea, as it just seemed nice and niche. :D



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Mei (#53317)

Good Natured
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Posted on
2016-09-21 18:34:39
I'm not actually sure what the formula is, but on another pet site I play, the base interest rate is 8% - for 0 currency in the bank. It decreases relative to how much you have banked, so for example (my current funds over there) the 8% would drop to 4.4 if you had just over 816k banked. That would still earn you only just over 1k per day. I think this kind of interest system would be fair, since as we all know 816k SB is pretty damn hard, if nearly impossible, to accumulate.

This is a good example, imo, since the site I'm talking about has approximately the same difficulty in acquiring site currency (SB on Lioden), if not even MORE difficult (max you can earn per day is 3k).

o: In any case, I support!



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Ser Isles (#57298)

Prince of the Savannah
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Posted on
2016-09-21 20:30:40
bundles are a thing but bundles dont give interest
i want me some interest on my silvery beetles (i guess it'd make sense coz they'd breed over time right?)



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Aellens (#77016)

Incredible
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Posted on
2016-09-21 21:36:11
i love this idea! though i think you would only be able to get interest on silver beetles, because as much as i would love to get more golden beetles it just seems a bit much to get interest on golden beetles



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Meezy 🍊 (Gen 1
Sunspot) (#95045)

Horse Whisperer
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Posted on
2016-09-24 18:49:37
I've ALWAYS wanted something like this! I was trying to think of a good banking system recently but couldn't come up with any ideas and THIS is perfect!

The thing about bundles is, not only are they inconvenient, but a lot of members don't know about them. "Bundles" isn't really in a clear enough place nor does it have a clear enough name that members would think "Oh I put my money there."

Also, as someone who impulse-buys a LOT, it'd be good to have somewhere to store your money and look at the total go up in a really satisfying way.

On another site (Horse Isle 2) the bank also gives interest. How it works is that there is a fixed percentage interest rate, and the more money you put in, the more you get back. However it's far easier to get money in HI2 than it is in Lioden, so putting the SAME system here wouldn't make the mechanic too OP. It's perfect!

The only problem is, how would GB work interest-wise? Would it go off of the assumption that every 1 GB = 1000 SB? Or would it not count GB in the interest and only count your SB?



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Nanou (#72821)

Good Natured
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Posted on
2016-09-24 20:48:18
nvm



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Edited on 25/09/16 @ 03:52:57 by Nanou (#72821)

ஐRumourஐ (LOff!) (#96058)

Heavenly
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Posted on
2016-09-25 06:21:56
@Adhara
Personally, I don't think there should interest for GB. But if there was, perhaps interest for GB could be a smaller percentage than for SB? Like if SB gained, say, 4% interest, then GB could gain 2%? (Please note, these are random numbers. I have no idea what a good calculation of interest would be for Lioden currancy, so these are purely for demonstration purposes).



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Meezy 🍊 (Gen 1
Sunspot) (#95045)

Horse Whisperer
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Posted on
2016-09-25 06:24:19
@Rumour -- I was thinking interest on GB would count more towards SB! Interest on GB would make it too easy to get GB (all you'd have to do is wait), but if 1 GB was seen as equivalent to 1000 SB, if someone had - say - 300 SB and 2 GB, it'd put a percentage interest on 2300 SB (by seeing the GB as SB) instead of just 300 SB (if that makes sense???)



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ஐRumourஐ (LOff!) (#96058)

Heavenly
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Posted on
2016-09-25 06:30:54
@Adhara
Yes, sorry. I mistook what you meant before, lol. That does sound reasonable.



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Aellens (#77016)

Incredible
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Posted on
2016-09-26 00:52:04
@Adhara not sure if i understand are you meaning like if you have a GB it increases your SB by a little bit or?



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Vulpix (#5661)

Merciful
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Posted on
2016-09-28 13:07:41
Hey everyone! Thanks for the awesome feedback! I definitely agree with a lot of the things being mentioned above. I've just taken some time to add in the interest tier system - have a read and let me know what you think!



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Edited on 28/09/16 @ 20:08:11 by Archimedes (#5661)







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