Bank

The bank is your personal finance hub. Open a bank account and you unlock savings, fixed deposits, loans, credit cards, and a full credit score system. Access it from the Assets panel on the main screen.

Opening an account

Tap Assets → Bank and press Open Account. Your starting credit score is 500 (fair). From here the bank splits into three tabs: Overview, Savings, and Loans.

Overview tab

The overview shows your financial snapshot at a glance:

Field	What it means
Credit Score	300–850 gauge; determines loan eligibility and interest rates
Savings Balance	Cash sitting in your savings account, earning daily interest
Total Debt	Sum of all active loans + credit card balance
Net Worth	Savings + fixed deposits − total debt
Interest Rate	Current savings rate (fluctuates over time)
Interest Earned	Lifetime interest earned from savings and matured deposits

You can also hire a financial adviser (5 gems, 30 days) from this tab — more on that below.

Credit score

Your credit score ranges from 300 to 850 and recalculates every 7 days based on four factors:

Factor	Weight	What helps
Payment history	40%	Never miss a loan or credit card payment
Debt-to-income	30%	Keep total debt low relative to your salary
Account age	15%	Time since you opened the account (maxes out around 360 days)
Loan diversity	15%	Having different loan types (up to 3 unique types)

Range	Label
800–850	Excellent
740–799	Very Good
670–739	Good
580–669	Fair
300–579	Poor

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Pay every loan on time and let your account age grow — these two factors alone cover 55% of your score.

Savings

Deposit and withdraw cash freely. Your savings balance earns daily interest at the current savings rate (starts around 4.5% annually, but shifts over time with rate-change events).

• Deposit — moves cash from your wallet into savings.
• Withdraw — moves savings back to your wallet.

Interest compounds daily: the longer you leave money in, the faster it grows.

Fixed deposits

Lock money away for a set period at a higher rate than regular savings. Available terms:

Term	Rate bonus
30 days	Base fixed rate
90 days	+25% over base
180 days	+45% over base
365 days	+45% over base

When a fixed deposit matures, the principal plus earned interest is automatically added to your savings balance. You can withdraw early, but you lose 50% of the interest earned so far.

warnung

Fixed deposits lock your cash — you cannot use it for rent, loans, or emergencies until the term ends (or you break it early at a penalty). Only deposit money you won't need soon.

Loans

Five loan types are available, each with different caps, rates, and requirements:

Loan	Max amount	Rate range	Term	Min credit	Requirements
Personal	10,000	11–22%	60–180 days	400	—
Auto	50,000	7–15.5%	90–360 days	500	—
Mortgage	500,000	4.5–10.5%	360–720 days	600	Employed
Student	20,000	5.5–9.5%	120–360 days	350	Active education
Payday	2,000	38–58%	14–30 days	—	—

Your actual interest rate depends on your credit score — higher score means lower rates. The maximum you can borrow is also capped by your income: the bank won't approve more than what you could repay using 50% of your daily salary.

How repayment works

Loan payments are deducted automatically every day from your wallet. If you have enough cash, the payment goes through and your balance drops. You can also manually pay extra or pay off the entire remaining balance early from the Loans tab.

What happens if you miss payments

Missed streak	Consequence
1	Credit score drops −10 per miss
3 consecutive	Debt collectors activate — warning in your diary
5 consecutive	Mortgage → foreclosure (lose your home). Other loans → arrest (14 days)

warnung

Payday loans have brutal rates (38–58%) and very short terms. They are a last resort — use them only when you need fast cash and can repay quickly.

Credit card

Apply for a credit card once your credit score reaches 500. Your limit and interest rate scale with your score:

• Limit — ranges from ~1,000 (score 500) to ~10,000 (score 850).
• Rate — ranges from ~26% (low score) down to ~16% (high score).

The card accrues daily interest on any outstanding balance, and a small minimum payment is auto-deducted each day. If your balance exceeds 150% of the limit, debt collectors activate.

You can make manual payments from the Loans tab to pay down the balance faster.

Loan shark

Need cash with no credit check? The loan shark lends up to 5,000 — but at 58–100% interest rates with 14–30 day terms. No credit score requirement, no questions asked.

The catch: miss 3 consecutive payments and the loan shark's enforcers show up, dealing −20 health. They reset after each visit, so the beatings repeat if you keep missing.

warnung

Loan shark debt is separate from your bank record — it doesn't affect your credit score, but it can kill you. Literally.

Bankruptcy

If your total debt becomes unmanageable, you can file for bankruptcy from the Overview tab. This wipes all loans and credit card debt, but:

• Credit score drops to 300
• Bankruptcy flag lasts 360 days — you cannot take new loans or apply for a credit card during this period
• Credit card is cancelled

You can skip bankruptcy early for 10 gems, which clears the flag immediately and bumps your score back to at least 450.

Financial adviser (gem feature)

Hire a financial adviser for 5 gems to get 30 days of improved rates:

• Savings rate increases by 25%
• Fixed deposit rates increase by 25%
• Loan interest rates decrease by 15%

The adviser timer shows on the Overview tab. Stack it with fixed deposits for maximum returns.

Random events

The bank is affected by events that happen as you play:

• Interest rate changes — savings rates can shift up or down randomly, affecting both new deposits and daily interest.
• Identity theft — your credit score drops 30–80 points. You can spend 3 gems to fix it and recover +50 points.

Strategy guide

Early game

1. Open an account as soon as you can — account age is 15% of your credit score.
2. Deposit spare cash into savings for free daily interest.
3. Take a student loan if you're pursuing education — low rates and no job needed.

Mid game

1. Start fixed deposits (90+ day terms) for better returns on money you don't need right now.
2. Apply for a credit card once your score hits 500 — useful as an emergency buffer.
3. Consider a mortgage if you want to buy a house without saving the full price upfront.

Late game

1. Keep your credit score above 750 for the best loan terms and highest card limits.
2. Use the financial adviser before opening large fixed deposits to maximize interest.
3. Never miss payments — a single streak of 5 missed payments can cost you your home or your freedom.

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Interest rates and credit score formulas may be adjusted for game balance.