Coin & Wealth

Coin

Coin represents currency that can be exchanged for goods and services. There are five types of coin: Silver Coins, Bags of Silver, Gold Coins, Bags of Gold, Coffers of Gold. Coin is a generic unit of money that represents a value, but is not a naritive description. 2 Silver coins can be actual silver coins, if the culture that issued the money uses metal coins as currency, but it can just as easily be small cut gemstones, or beautifully coloured scales. No matter the shape of the currency, it will have a corresponding Coin values.

A Silver Coin represents a purchase that a common labourer might be able to make once a year if they saved up for it. The vast majority of day to day expenses are handled with bartering and smaller coins, such as copper penies. As long as a PC has at least 1 Silver Coin or a level of Weath, they are assumed to be able to pay for small purchases, such as food, drink and basic lodging.
Each type of Coin is worth 10 times the type before it – so a Bag of Silver is worth 10 Silver Coins whereas a Coffer is worth 10 Bags of Gold. When you reach 10 of one type, you convert them into the next type of Coin. You can also break Coin into lesser types to make smaller purchases.

Wealth

Wealth represents a character's investment into a home, business, profession, lands, properties, etc. It covers the maintenance of the properties and is self-sustaining. Wealth ties you character to the world and while there are many benefis to Wealth, you also have a stake in protecting your Wealth. There are 5 tiers of Wealth: Modest, Comfortable, Well Off, Aristocratic, and Royal

Acquiring Wealth

A level of Wealth can be assigned during character creation, gained as rewards for quests or gained by investing Coin. Investing can be done by buying equipment, property or services that will result in an increase of the characters capital. This can be done in one go, or with a series of smaller investments. To increase a character's Wealth, they must already posses the previous Wealth tier without their Wealth being exhausted. They must then pay an amount of the associated Coin equal to 10 minus their Investement value.

Investing in Wealth

Any purchase that result in increasing character's captial will gain them Investment in their Wealth. If a purchase is more than 1 of the associated Coin of the next Wealth tier, the character will gain half the purchase value (rounded down) in Investment. Investment will permanently reduce the cost of upgrading their Wealth to the next tier.

Benefits of Wealth

Wealth allow characters to live and maintain a certain lifestyle. It can be leveraged to purchase goods and services, instead of spending your Coin. Using Wealth instead of Coin is a way for wealthy characters to not have to worry about spending amounts of Coin that their Wealth can reasonably cover.

A character can leverage their Wealth once per Adventuring Day. Once Wealth is leveraged, you must wait at least one day to leverage their Wealth again. Larger payments with Wealth requires you to make a Business check to prevent your Wealth form being exhausted and going into Debt.

Exhausing Wealth

Some tiers of leveraging Wealth can accrue Debt, as depicted in the Leveraging Wealth Table. If you fail your Business check, your wealth becomes Exhausted. Exhausted Wealth cannot be leveraged, except to maintain your lifestyle or make purchases below one Coin. Debt can be removed by paying the required amount from your Coin. Your Wealth losses its Exhaustion at the end of the next Adventuring day after your full Debt has been payed.

Lifestyle

With Wealth, you are assumed to be able to maintain a lifestyle befitting that Wealth level – including owning a house, lands, and so forth. All of these expenses, including any possible staff you may hire at your home or businesses, are included as part of your lifestyle. A more details description of Lifestyles can be found here.
If you have no Wealth, you are assumed to be living as a traveler – perhaps renting out a simple accomodation, sleeping outside as a Wylder, or as a wanderer staying at cheap inns. If you want to maintain a lifestyle beyond that, you must actively spend the Coin to do so. Anyone with at least 1 Silver Coin, though, is assumed to be able to make simple daily purchases and find a bed to sleep in each night. If you have no Wealth and no Coin, you are assumed to be a vagrant. You have great difficulty getting meals and finding a place to lay your head. You struggle to make basic daily purchases.