Economy

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The economy in Arthos works universally on coins of gold, silver, copper and platinum. Coins weigh 0.02lbs.

Mints

Banks

Marketplaces

The main arteries of a functioning economy. Marketplaces are designated zones within municipalities meant to facilitate trade between businesses, peddlers, and consumers. Markets are too numerous to list given that almost every town in Arthos will have at least one. Major cities will oftentimes have multiple markets catering to different products and socioeconomic classes.

Money Changers

In any given marketplace, you will find people called money changers. They provide the service of exchanging coins for coins of equivalent value. Their business relies on the fact that most merchants do not give change for transactions. Depending on proximity to the nearest bank, they will charge a fee ranging from 5-20%. For an even steeper rate, they may accept foreign coins for local ones.

Conversions

Conversion Rates
Type Value in Copper Equivalent Value [USD]
Copper 1 $0.50
Silver 10 $5
Gold 100 $50
Platinum 1000 $500

Player Character Starting Wealth

The inventories for new characters, including their coinage, is ultimately up to the GM. However, the player and GM may agree to use the following method to semi-randomly determining their beginning wealth.
You may choose to break your cash down into small units only during character creation. Once the game begins, you must use in-universe methods to make change.

Character Archetype Wealth on Hand Wealth in Bank
Peasant 1d20 copper N/a
Loner 2d6 silver N/a
Commoner 4d6 silver N/a
Fledgling Merchant 1d4 gold N/a
Established Merchant 4d6 silver 5d10 gold
Business Owner 4d6 silver 10d20 gold
Young Noble 4d8 gold N/a
Established Noble 4d8 gold 100d20 gold