Loans & Credit
Player-to-player Denarius lending with interest, terms, and an automated credit score — the Argentarius.
Loans are player-to-player Denarius lending, handled by the Argentarius - the Roman moneylender. A lender posts an offer (principal, interest rate, term in days), the borrower accepts, and the money moves instantly. The plugin tracks the obligation, an automated credit score keeps both sides honest, and every Denarius moves through the normal economy so nothing can vanish or duplicate. It is a trust system: no collateral is seized, but defaulters wear the mark on their credit.
How a Loan Works
A loan has three stages. First the offer: /loan offer <player> <amount> <rate%> <days> creates a pending loan and notifies the borrower. Then the acceptance: /loan accept <id> - the principal is withdrawn from the lender and deposited to you on the spot. The term clock starts at acceptance, not at the offer, so a loan accepted three days later still gets its full term. Finally the repayment: /loan pay <id> <amount> as often as you like, in part or in full - partial payments are tracked and the lender is credited even while offline.
| Bound | Value (as of Sept 2026) |
|---|---|
| Principal | $100 – $10,000,000 |
| Interest rate | 0 – 20% (hard cap - no usury) |
| Term | 1 – 90 days |
| Currency | Denarius only - AUREUS loans are blocked outright |
| Total owed | principal × (1 + rate%) - simple interest, no compounding |
The Credit Score
Every player has a FICO-style credit rating from 300 to 850, starting at a baseline of 600. It is computed from your loan history, not stored on a whim:
| Outcome | Score change |
|---|---|
| Loan repaid on time | +35 |
| Loan repaid late | +10 |
| Loan defaulted | -100 |
Check your own with /loan credit, or scope out a borrower before lending with /loan credit <player>. A defaulted loan can still be repaid to clear the debt - the obligation never vanishes - but the strike stays on the record.
Default & Recourse
A background sweep runs every few minutes and marks any ACTIVE loan past its due date as DEFAULTED. The borrower is notified in-game and their credit score takes the penalty. That is the whole punishment: there is no item seizure, no forced teleport, no bankruptcy raid - the Argentarius is a banker, not a leg-breaker. The lender's recourse is the borrower's credit rating and their own judgement about who to trust next time.
Lender tip: the principal is pulled from the lender's balance at the moment the borrower accepts - not when the offer is made. If you cannot cover it then, the loan simply reverts to pending. Never offer money you might need before the term ends.
Legion Dues
The same Denarius plumbing powers legion dues: members of a legion with perks pay a weekly auto-withdrawn contribution (scaling with legion level) that funds the legion's perk tiers. Opting out of dues is possible with /legion dues optout, but an opt-out member drops to Associate status and loses perk access until they opt back in - or clear a failed dues withdrawal with /legion dues pay. See Legions for the full perk system.
Commands
| Command | What it does |
|---|---|
/loan offer <player> <amount> <rate%> <days> | Offer a loan. |
/loan accept <id> | Accept an offer made to you (lender must be online). |
/loan pay <id> <amount> | Repay part or all of a loan. |
/loan info [id] | Details on a loan (or your most recent). |
/loan list [borrower|lender] | List your loans by role. |
/loan credit [player] | Show a credit-score rating. |