Bank Interest
Summary
Section titled “Summary”The Bank of ASEAN pays hourly interest on all checking accounts. The rate depends on whether the account holder is online, their balance size, and how long they’ve been offline.
1. Base Rate
Section titled “1. Base Rate”The base interest rate is 2.2% per hour. Online players receive a 2× multiplier, doubling their effective rate to 4.4%.
Interest Rate Parameters
| Parameter | Value |
|---|---|
| Base hourly rate | 2.2% |
| Online multiplier | 2.0× |
| Effective online rate | 4.4% |
2. Balance Scaling
Section titled “2. Balance Scaling”For accounts above $10,000,000, interest is scaled down exponentially:
Effective interest by balance (online)
| Balance | Scale Factor | Effective Hourly Rate |
|---|---|---|
| $1,000,000 | 100% | 4.40% |
| $10,000,000 | 100% | 4.40% |
| $30,000,000 | 60.65% | 2.67% |
| $50,000,000 | 36.79% | 1.62% |
| $100,000,000 | 10.54% | 0.46% |
| $170,000,000 | 1.83% | 0.08% |
3. Offline Decay
Section titled “3. Offline Decay”When a player goes offline, their interest rate decays over time using the same log-plateau formula as the wealth tax (with k=2.0). The longer they’re offline, the less interest they earn — eventually approaching zero.
See Fiscal Policy: Bank Interest for the complete formula and projection tables.