The Silver Standard
With gold veins becoming more rare than common. A decision was made by Zobeck and the Banking Guild, along with many businesses and wealthy merchants, to begin stockpiling gold and only release golden coins in rare quantity. Instead a sliver standard was introduced taking advantage of the abundance of silver veins. Silver acts as the primary form of currency and prices are conformed to them. 1 gp is worth 10 sp as per RAW however all other forms of currency are removed. The goal is to have 1sp feel equivelent to 1USD for a more basic and conform method. Silver is used to pay for the day by day while gold will typically be used for the large purchases.
The Coins
Gold pieces are large and thick, think of half-dollar coins in size. Usually ornate with the design of a crown giving them the nickname crowns while the ones in the Ocean Expanse are refered to as krakens. Silver pieces are small and thin, think of penny in size. The design is the seal of Zobeck and are simply refered to as silver while the ones in the Ocean Expanse are refered to as Serpents. The design of both coins for the coins for the Ocean Expanse have the beast of its respected name on one side and the seal of the Mutual Benefaction Trading Company on the other in thanks for their invlovement in the mass production and distribution of the coins.
The Banking Guild
The most neutral guild in all of Midgard, the Banking Guild sits as the richest guild in all the lands (I mean we do just give them our money). Their pressence is welcomed everywhere despite any ongoing hostilities between factions. The Bankers of the guild have no allegence to any nation, nor any guild, nor any family, absolutely no one; no one except the Banking Guild. For example Novigrad born Bankers would not refer to themselves as Nilfgaardians but only as Bankers. Their master guildhall is located right within the Free City of Zobeck herself. However, despite being in such a populous area no one actually knows the inner structure of the Banking Guild. Its unknown if one person runs it all or multiple, in fact we barely even know how it runs at all. It is one of the most inner kept secrets in the world and despite any and all attempts, no Banker has ever revealed its secrets. They say the ones that got close mysteriously went missing.
Banking Services
Those that have an account with the Banking Guild have a secure location to store all their wealth with a flawless guarantee of security with no risk. They then can withdraw this wealth at any of the banking guild locations across Midgard. Coin exchange also exists, trade silver for gold or vise versa. Old coin turn in is another service in which any individuals in possession of old world coinage may turn them in to recieve a silver payout. Lastly, loans can be aquired but must be paid back with interest.
Relative Costs
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