Hi me and a group of people came up with the idea for bank loans!

How it works is if someone asks you for coins so you know you can trust them you can give them a bank loan.

The bank loan gives the coins to the person who needs the loan and you can set a time. In that amount of time the person with the coins can use them and if they do not pay back by the end of the time the bank loan will automatically take the coins from them.

If they do not have the coins it will take it from them once they get the amount of coins you loaned them!

Please give your thoughts on this idea!

Thanks!

Some people would just create alot of accounts. Take lones and transfer the coins to some other account and never pay back. So 5/10

What if someone decided to loan 100k coins? How are they going to pay the bank back? Will there be negative coin amounts?

I'm sorry, but this is a terrible idea in my opinion, and can completely mess up the Creed Economy.

EDIT: 100k coins is a lot. Let's say it was 5k-10k coins.

What if the max was like 1k coins?

Then it'd kind of be useless to even have this idea.

I already loan my friends some coins because I trust them and I know when they'd have enough coins to repay me, they will.

No I don't think this is a very accurate idea, 2/10 I like the part of loaning but nope. Not good

Iv suggested this before but in a different way. i think this is good but it kinda is inaccurate

I think alot of people will end up making other accounts. Unless they make it like one account per ip.

Well anyway it does not give them more coins just takes back what they owe

0/10, bad idea. Would make the economy completely ruined, and negative amounts would be extremely hard to recover from.

ahan thats right..a lot of new accounts will be opened just for taking loans..so i dun think this a good idea..it can be like this..if you have a year old profile then u can be given a loan on that profile and not more than 1k coins or so.

ya only old player such get loan.. but then also some will not pay it..

People just don't get this

This message is hidden because this person has been banned.

I get how this would work, it's like when the bank loans out, they build up on interest, if the person isn't able to pay back the bank then takes (repos), like bankrupting, what they have in their name, something being able to pay off your debt. This however, isn't suitable for a pokemon game. 1/10