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| 21 Oct 2015 01:15 AM |
*Note: I have no intention of actually creating this, I just came up with the idea and started writting about it.
With this payout option now, a ROBLOX banking group is possible. People put their money into our group and get 10% interest every month they leave it in there. At any given time, when a bank teller is online, they can deposit or withdraw money.
[DEPOSITING MONEY] They will deposit money by purchasing a t-shirt named "[Player]'s account" (aka "SavageBurst's Account", this t-shirt will be changed to the price of the amount they want to deposit, and will continue to change to whatever they want to deposit in the future. If anyone else purchases your t-shirt out of trolling, then their money is automatically in your account.
[WITHDRAWING MONEY] At any given moment you may withdraw your money (must leave atleast 10 tix to keep the account open) as long as a bank teller is online. If you withdraw all of your money, your account with be closed and you t-shirt will be removed. This way we always have funds.
NOW THE BURNING QUESTION YOU ARE THINKING ABOUT: "WHY THE HELL WOULD ANYBODY TRUST YOU WITH THEIR MONEY? NO ONE WILL EVER DEPOSIT THEIR MONEY"
One word: Loans
[LOANING MONEY] Any regular customer can ask for a loan of money (up to 10k robux), which a loan officer will check if you are eligible to grant the loan. You become eligible if you have put atleast 2k robux in our bank, and don't have a history of excessive withdrawal. You will then have to pay the loan back, which you will be given 6 months to do. IF YOU DO NOT PAY BACK YOUR LOAN: You will be on a universal blacklist between all the banks of ROBLOX, and will never be able to be apart of one again.
SO LET ME PUT THIS IN EXAMPLE: I am Savage, I talk to a bank employee to try to make an account. Only if I seem trustworthy, will they allow me to make one. To become a customer, I had to purchase my t-shirt account at 100 robux to make sure I was legit. Now I am a ROBLOX Grand Bank customer. My t-shirt was created and I had those 100 robux in my account, but I couldn't withdraw until after 3 days since I was a new account. Every month my money grew since every account has automatic 10% interest. After 3 months my 100 robux turned into 130, it was like I was getting free money just by putting my money into their bank to hold. I kept putting more money until I had 3k robux, after another 3 months my 3k turned into 3.9k due to the 10% interest. See, the more money you put in, the more money the interest percentage gives you. I am trying to build a group and it's going to take a little money so I requested for a loan of 10k. Due to my clean record, they accepted my request! Every week I gave them 500 robux back and in no time I paid back my loan and was out of debt!
PLEASE GIVE ANY FEEDBACK, OR TRY TO MAKE THIS CONCEPT BETTER WITH YOUR OWN IDEAS. AGAIN, I DO NOT WANT TO START THIS GROUP UP. |
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roony777
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| Joined: 24 May 2008 |
| Total Posts: 3060 |
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| 21 Oct 2015 01:19 AM |
| I would start the group and create it if you are willing to run it. |
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| 21 Oct 2015 01:26 AM |
| I would not run it, but maybe someone else will. This idea will most likely fail so early in development so I suggest it remains just an idea until we build on it better. |
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| 21 Oct 2015 02:00 AM |
This looks like the IOU debt, you can't just spawn money - you have to use other deposits to create this 'interest,' but what if everyone wants to withdraw at once?
-isaac godfrey |
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| 21 Oct 2015 02:02 AM |
edit: it could work with the loan system, but the interest is really high tbh.
-isaac godfrey |
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| 21 Oct 2015 02:41 AM |
| Thats why you don't allow everyone to withdraw at once. If there are too many accounts taking money out, then the bank will be frozen. |
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romuluz
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| Joined: 12 Apr 2010 |
| Total Posts: 18124 |
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| 21 Oct 2015 03:00 AM |
Yeah I'm still wondering where this interest is coming from.
Also, unlike the real world, roblox has no protection for those handing out loans. It's not like you can reposes his limiteds and places to make back profit. If someone really wanted to scam and run they could and would. And there's really no way for you to make back that money which hurts your other customers.
You also need to think how is this going to profit the bank owner. |
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mitsu1000
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| Joined: 16 Jul 2011 |
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| 21 Oct 2015 08:28 AM |
Wouldn't exactly work unless it's funded by someone actively making money Like a front page game or the sorts. |
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| 21 Oct 2015 06:13 PM |
| plus who would know you're not scamming? |
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Dynerov
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| Joined: 21 Jul 2014 |
| Total Posts: 14682 |
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| 21 Oct 2015 06:16 PM |
Savage, I had a concept like that.
Yet ROBLOX may consider it dodgy and will consider it an "unauthorized trading scheme". |
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