These are some of my ideas on how the Central Treasury of NDZ can function. Let's get right into it.

First off, personal vaults can't be sold for a profit. How could the treasury spend 18i reinforcing obsidian blocks and hope to make 20i by selling it or renting? Players would just build their own IRO vaults on their property. We can still have personal vaults, but they'd likely have to be a public service and sell for cheap or possibly free.

Second, I would say we need to ban all currency exchange chests in town if we want the Treasury's exchange to work. Now, players can still exchange currency in-game face to face, but there should be no permanent currency exchange chests except for the ones in the Treasury, to ensure people are using it.

Now, exchange rates at the Treasury will be:

1D => 15i and 17i => 1D This toes the line of 16i, and the Treasury makes a profit of 2i off of each exchange. Gold to iron will need to figured out but will likely 1i => 3g (27 nuggets) and 5g (45 nuggets) => 1i, toeing the 1i=4g standard exchange rate.

Here's the important part: Shares. The Treasury needs capital to build a vault, and I propose we sell shares to the community. The shares will be security notes, like the Lenning, but won't be a currency. Instead, shares will be taken into the Treasury at the end of each month and by presenting your shares to the Treasurer they will give you a monthly dividend of the profits form the currency exchange. You'll get your shares back and continue to hold them until the end of next month, or you could sell them to other players for whatever price you both agree on.

Fifty percent of the profits will go directly to the Treasury, 50% will go to the shareholders. This means with each Iron=>D exchange, the Treasury makes 1i and the shareholders make 1i. This makes it so by owning shares of the Treasury, you can use the exchange chest and make money back.

Now, I'm proposing we sell 32 shares to start, for either 32i or 2D. These sales will go directly towards making an obsidian vault to house the town's wealth in. People can buy up to five shares for themselves directly from the Treasury, but after that they must buy from other players who own them. At the end of each month, the number of exchanges will be tallied and the Treasurer will designate times for players to come in and claim their stockholder dividends.

Example 1:

The first month the Treasury opens and sells its 32 shares, we get 10 exchanges in the exchange chest. That's 10i for the Treasury and 10i for the shareholders. However, we have more than 10 shareholders so let's break it up.

10i = 32g or 288 gold nuggets. 288 nuggets/32 shares = 9 gold nuggets per share, or 1g per share. If a player has 4 shares, they present those to the Treasurer at the end of the month and they receive 4 gold ingots. Another player with only 2 shares would get 2 gold ingots, but both players get to hold onto their shares for next month and hope for a better payout.

Example 2:

The Treasury makes 7 iron=>diamond exchanges and 5 gold=>iron exchanges. This means the Treasury and the shareholders each make 7i and 5g for the month. Now, divided amongst the 32 shares that's:

7i = 28g the additional 5g made from exchanges = 33g total. 33g = 297 gold nuggets which divided by 32 shares = 9.28125 gold nuggets per share. The treasury would round down and keep the remainder as profit for itself, and each share presented at the end of the month would receive 29 gold nuggets, or 4g and 1 gold nugget, or 1i and 1 gold nugget, with the proposed exchange rates.

It's most likely that you won't ever see your initial investment pay out, but who knows? This could turn into a profitable venture, and at the very least by buying shares you'd be supporting the community at large.

Thoughts?

Thanks!