====== Banking Guild ======
The Banking Guild exists to turn valuable gold and treasure into a more dynamic way for people to exchange goods and services. The Banking Guild provides encrypted notes readily understood, authenticated and accepted by professional shopkeepers and other established businesses throughout the entire world of Nilgiri.

===== Initiating an account =====
Starting a new account is fairly easy. Walk into any bank and ask the teller to ''initiate new account''. People in the world of Nilgiri are freely entitled to one personal account with the Banking Guild.

<code mud>
> initiate new account
Account #0000-1000 initiated by Quenyarhun
>
The banker whispers to you, "Welcome to the Nilgiri banking system! We can
protect your gold in our very safe vault. Your funds will be available to you
at any reputable establishment world wide!"
>
</code>

===== Depositing =====
Depositing fills your bank account with gold coins. You can replenish your funds from gold or treasure found and exchanged in the world of Nilgiri. Sometimes you may receive a note from another person or merchant to be deposited into your account.

<code mud>
> inventory
You are carrying:
a pile of gold coins
a diamond necklace
a trump of Mobius
a potion of youth
a yellow potion of see invisible
> deposit gold in account #0000-1000
You deposit a pile of gold coins for precisely 250 gold coins.
Account #0000-1000 credited 250gc in coin by Sin
>
The banker whispers to you, "A pleasure doing business with you."
>
> deposit diamond in account #0000-1000
You deposit a diamond necklace for precisely 293gc worth of treasure.
Account #0000-1000 credited 29563gc in treasure by Sin
>
The banker whispers to you, "A pleasure doing business with you."
>
</code>

===== Evaluating your treasure =====
Sometimes you may not want to deposit your treasure right away, and would like to get an appraisal before you exchange your valuable into gold.

<code mud>
> inventory
You are carrying:
a pile of gold coins
a diamond necklace
a trump of Mobius
a potion of youth
a yellow potion of see invisible
> value the necklace
The banker whispers to you, "I value your necklace to be worth 293 gold coins."
>
</code>

===== Listing your balance =====
Listing your balance is a good way to get your account number and how much gold coins you acquired. Also, it shows the last few transactions that you have performed on your account.

<code mud>
> balance
The banker informs you:
---
Account #0000-1000
Principal(s): Quenyarhun
Amount: 543gc
---
00234/12/13-10:41:55::Account #0000-1000 credited 293gc in treasure by Quenyarhun
00234/12/13-05:59:48::Account #0000-1000 credited 250gc in coin by Qeunyarhun
00234/11/26-22:15:05::Account #0000-1000 initiated by Quenyarhun
>
</code>

NOTE: that "gold coins" has been shortened to //gc// here.

===== Debit notes =====
Debit notes are the way the Banking Guild allows money to be transferred from person to person. This deducts money from your account and places an amount on a debit note that can be deposited by another person's account.

<code mud>
> buy debit note for account #0000-1000 worth 300 gold
Account #0000-1000 service charged 1gc for debit note
Account #0000-1000 debitted 300gc by Quenyarhun for debit note #01A30BF6
Okay.
>
The banker gives you a Banking Guild debit note.
>
The banker whispers to you, "A pleasure doing business with you."
>
Silk walks in from the south.
> give debit to silk
You give a Banking Guild debit note to Silk.
>
</code>

===== Merchant notes =====
Merchant notes are the way commerce is performed in Nilgiri. By signing over a merchant note to you, the Banking Guild allows accredited merchants to safely deduct money from your account for services or items rendered.

<code mud>
> buy merchant note for account #0000-1000
Account #0000-1000 service charged 1gc for merchant note
Okay.
The banker gives you a Banking Guild merchant note.
>
The banker whispers to you, "A pleasure doing business with you."
>
</code>

  * See: [[shopkeepers|Shopkeepers]]
  * See: [[postalguild|Postal Guild]]

===== Debit v. Merchant notes =====
^ **Debit Note** ^ **Merchant Note** ^
| Is creating your own money | Is like an electronic debit card |
| Transfers a specific amount to the note deducting your bank account | Transfers no money until the merchant attempts to use it |
| Are for transferring money to other people | Are for transferring money to merchants |
| Cannot be used to credit your account | Allows merchants to credit your account as well |
| If you lose it, someone else can cash it | If you lose it, it is useless to anyone else |