World Bank & Loans

Type: Systems — Player Mechanic (Economy) Status: Canon (published, player-facing guide) Source: Borrowing Money from the Bank

Overview

The World Bank is the in-game bank available to all player characters (PCs), alongside other banks that may offer loans. Loans are denominated in Helvatica Dollars (colloquially, Kila Vas Dollars).

The World Bank is a portfolio corporation owned by LMT (Landfall Manufacturing & Trade), and is the largest bank in Maf.

How Loans Work

1. Apply via the "Loans" option on the Market page, or search "World Bank" (or another lending bank's name) and select it
2. Complete and submit the loan application
3. At full game launch: applications are approved instantly and funds transferred immediately for any Standing of 0.0 or higher
4. Approved funds are direct-deposited to the character's account immediately, reflected in the Wallet's "Funds Available"
5. Funds can be spent freely, up to the available amount, for any purpose

Standing Effects

• Taking out a loan increases Standing with that bank by +0.01
• Each loan payment made also increases Standing with that bank by +0.01
• Higher Standing with the World Bank → larger borrowing capacity + lower interest rate

Repayment

• Loan principal: deducted automatically from the Character's account, roughly once per game-time month
• Interest: paid by the player (not the Character) on a weekly real-time basis, to an account designated by the lender — an important distinction between in-fiction character economy and real-world player payment cadence

Notable Reference

• Article links to Kila Vas Market (mafstarfleetbattles.com/market) as the in-game marketplace hub — confirms Kila Vas's role as central to player-facing economic activity, consistent with its established role as the primary player entry city

Open Questions

• Interest rate ranges/formulas not specified
• Loan default consequences not specified (what happens if a player misses payments, especially given the real-time weekly interest cadence?)
• Relationship between the World Bank and "other banks that offer loans" — are there named competitor banks?