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Bank of the Silver Stacks
The Bank of the Silver Stacks is backed and run by the Merchant Prinzes of the North Merchant Cities and South Merchant Cities. It guarantees transactions and to have the wealth needed to cash any transaction affirmed and approved – no matter how big. There is an office in almost every major city in the Heartlands. Umbak, notably, does not allow the presence of any representative of this institution within its borders. It does not provide services to individuals except those with extensive wealth – titled lords and ladies. Its primary audience is fiefdoms, kingdoms, nations, trade cartels, merchants houses, religious and social institutions, etc. Adventurer types are not considered good marks. The typical condition for non-landed, non-business clients is that they must have a beneficiary designated but that the bank gets 10% of the total wealth in processing fee.
Safeguards and Defenses: The Silver Talents are the primary transport guards of the Bank of the Silver Stacks – a nice parallel between the names being entirely coincidental. The bank leverages their station to move their wares and personnel unimpeded. For this connection, the primary bankers on these journeys are 2nd and third born nobles – a charge that elevates the position and aligns with the charter of the Silver Talents. The bank is also known to have a compliment of magi providing guards for their vaults and transport. They are known to employ members of the Halas Blaze School as mercenaries in many instances – it seems there is a preferential relationship here.
The banks reputation generally prohibits small locale interactions or interactions with “freebooters and adventurers”. Local criminal enterprises are involved in currency, trade, items of all kinds, even local banking (money keeping/lending) and in some cases controlling crafters and their goods and/or means of production.
Silver Stack Bank Services
Assessment
Most agents have a assessment kit to test the purity and weight of coins, jewelry, and trade bars.
Money Storage
If a entity simply wants to store money, the annual fee for safety is .5 to 1% If the entity wishes to make their money available for services, they will earn .5 to 1%, but can only access no more than half on an instant’s notice.
Money Lending
Entities can borrow money at various rates and terms. The lowest borrow rate is 1%.
Transaction Processing
Transfers of sums are usually made with markers, not physical coinage.
Accounting
Accounting services, calculating potential investments, annual, lifetime, and single event ledger production are standard part of services.
Institutional Relations: Historically, there have been tensions from large bank and lending institutions like Bank of the Silver Stacks and Silver Lining Lenders. While nothing major has ever happened, the Office of the High King’s Vaultworks (and sometimes World Watchers)
Chronicle of the Bank of The Silver Stacks
Information Sources: Mundane Reference | Associated Phenomenology Only | Specific Lore