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Legitimate Eve Bank

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Darth Gustav
Sith Interstellar Tech Harvesting
#21 - 2012-11-16 22:53:33 UTC
Beekeeper Bob wrote:
Darth Gustav wrote:
Player > Hi, I'd like to borrow 1 billion ISK please.

NPC > Great, just fill out this form and we'll deposit the balance (minus fees) into your wallet! Then, all you have to do is repay us in a timely fashion and CONCORD won't kill your ship.

Player > That's great!

NPC > Thanks for doing business with Eve Bank of Legitimacy!

Player > No no no, thank you.

Player then transfers 1b isk to his main and forgets that alt account ever existed, buying PLEX with the proceeds in an effort to perpetuate this scheme with a different "free" paid account.

Yeah, great idea! Sign me up!



Even if players don't know who you are, Concord should....then allow Concord to go after all your accounts.....Lol


I live in null-sec?

Bob, are you trying to advocate CONCORD in null-sec?

He who trolls trolls best when he who is trolled trolls the troller. -Darth Gustav's Axiom
CCP Phantom
C C P
C C P Alliance
#22 - 2012-11-16 23:02:23 UTC
This is quite an interesting discussion which reveals that EVE is indeed a very deep universe with rich game play.

Off topic posts got removed and the thread was moved from General Discussion.

CCP Phantom - Senior Community Developer
Vaerah Vahrokha
Vahrokh Consulting
#23 - 2012-11-17 00:28:33 UTC
Darth Gustav wrote:
Nobody I know would put their T2 BPO into a third party's hands.

Would you?


Hmm I have held T2 BPOs as collateral some times, what's strange with that?

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Azurius Dante
Banana Corp
#24 - 2012-11-17 00:38:09 UTC
Because banks in real life right now are a good thing too :P
Hakan MacTrew
Konrakas Forged
Solyaris Chtonium
#25 - 2012-11-17 05:49:32 UTC
Even an in game NPC Pawn Borker would have issues.

Lets say you secure a loan against a module, say 70% of its estimated value. With the possibilities of market manipulations, you could buy up all these modules in advance, massively inflate the price, wait for the average to double and then cash in by pawning the items.

I'm guessing there are no NPC banks because given EVE's culture of scams and exploits, it would kill the system. Shame really, because it would be cool.

Friends
Jan Deltord
Science and Trade Institute
Caldari State
#26 - 2012-11-17 06:20:19 UTC
Hakan MacTrew wrote:


I'm guessing there are no NPC banks because given EVE's culture of scams and exploits, it would kill the system. Shame really, because it would be cool.


Instead, we have PC banks.

One of them posted just above you.
Trader CiCi
Jack of all skills
#27 - 2012-11-17 06:28:15 UTC
https://forums.eveonline.com/default.aspx?g=posts&t=67004&find=unread Grendell is one also Cool

Here's how I think of my money -- as soldiers -- I send them out to war everyday. I want them to take prisoners and come home, so there's more of them." - Kevin O'Leary/Shark Tank
flakeys
Doomheim
#28 - 2012-11-17 07:14:29 UTC
Mr Pragmatic wrote:


Or am I just daft?




Yes ...

We are all born ignorant, but one must work hard to remain stupid.
Hakan MacTrew
Konrakas Forged
Solyaris Chtonium
#29 - 2012-11-17 12:38:04 UTC
I know there are PC banks, lenders and bondsmen. I applaud their ingenuity and business acumen. But there's also a lot of scammers in the smae.business. But that's EVE. I was merely voicing my opinion as to why lending with collateral would not work through NPC's.

Friends
Melvin Coulter
Tactical Feed.
Pandemic Horde
#30 - 2012-11-17 12:41:57 UTC
player account A takes the loan then transfers it to account B

Account B uses the money and lives happily ever after.

Sounds about right..

Move along!
Mr Pragmatic
#31 - 2012-11-17 17:47:01 UTC
The PC banks are a good idea. non the less they can not enforce if someone doesn't pay a debt back. Perhaps the DEVS should make a way for when you make a corp you can choose what kind of corp it is. Certain corps could have jurisdiction over people who don't pay back their loans. IE Confiscation of isk and items. Only giving loans to players with a certain amount of SP.

Making a new forum of currency other than the normal 2.

Come on people get some ideas so the devs can rip it off and call it their own. :)

Super cali hella yolo swaga dopeness.  -Yoloswaggins, in the fellowship of the bling.
Darth Gustav
Sith Interstellar Tech Harvesting
#32 - 2012-11-17 20:14:21 UTC
Vaerah Vahrokha wrote:
Darth Gustav wrote:
Nobody I know would put their T2 BPO into a third party's hands.

Would you?


Hmm I have held T2 BPOs as collateral some times, what's strange with that?

I stand corrected.

Were they ammo BPOs or something more valuable?

Come on, you can tell!

He who trolls trolls best when he who is trolled trolls the troller. -Darth Gustav's Axiom
TornSoul
BIG
#33 - 2012-11-18 10:48:10 UTC  |  Edited by: TornSoul
Darth Gustav wrote:

Were they ammo BPOs or something more valuable?

Come on, you can tell!


Speaking on behalf of my experience with BMBE heres a quick list of some of the BPO's and rare ships I've handled as collateral for loans over the years


Adrestia
Archon Blueprint
Bistot Mining Crystal - ME:25
covert ops cloaking device ii blueprint.
covetor BPO
Crokite Mining Crystal - Me:25
Crusader
Dark Ochre Mining Crystal - ME:25
Eagle
Enyo Blueprint
freki
Gneiss Mining Crystal - ME:25
Guardian vexor
heavy capacitor booster ii blueprint
Hedbergite Mining Crystal - ME:25
Hobgoblin II BPO
Improved cloaking device II
Jaspet Mining Crystal - ME:25
Kernite Mining Crystal - ME:30
leviathan blueprint. - ME1/PE0
Malice
Mastodon
medium armor repairer ii blueprint
Mercoxit Mining Crystal - ME:25
Mimir
Omber Mining Crystal II
orca prints as collateral
Pyroxeres Mining Crystal II
Raptor
Retribution
Scordite Mining Crystal II
Small Graviton Smartbomb II
Small Plasma Smartbomb II
Spodumain Mining Crystal II
Titan BPO
utu
Vangel
Veldspar Mining Crystal II


I've not included capital construction blueprints (almost as long a list in itself) - But they are very commonly used as well.

All sorts of other stuff are used as collateral as well - Ships/ships fitting/construction materials (all the way from PI to T3 items) etc

But as the BMBE usually deals in large loans, the above list is quite representative - ie. you won't see ammo BPO's...
Vaerah Vahrokha
Vahrokh Consulting
#34 - 2012-11-18 12:12:18 UTC  |  Edited by: Vaerah Vahrokha
Darth Gustav wrote:
Vaerah Vahrokha wrote:
Darth Gustav wrote:
Nobody I know would put their T2 BPO into a third party's hands.

Would you?


Hmm I have held T2 BPOs as collateral some times, what's strange with that?

I stand corrected.

Were they ammo BPOs or something more valuable?

Come on, you can tell!


If I recall correctly, two were ammo but others were cruisers, interceptor and similar.

Edit: I noticed how other people keep a very precise listing of those records (and some 3rd party collateral holders keep records of how much they "transacted".
I don't, so I go by memory and don't really care to record those details.

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Grendell
Technologies Unlimited
#35 - 2012-11-18 15:35:46 UTC  |  Edited by: Grendell
Just to add fuel to the fire, most of the collateral that seem to come my way in terms of loans/bonds seems to be T2 bpos and capital bpos. The T2 bpos have ranged from ammo bpos to hulk bpos, it's pretty random in terms of which types.

As far as an npc bank, I wouldn't be too fond of that. It takes away from the sandbox community creativity we are so fortunate to have in eve. Player run banks in eve do not have the best track record that I must admit, but that does not mean they can't be successful and legitimate. The bigger issue is it might not really be worth the effort with the current tools we have at our disposal to have them grow beyond a certain size. As an example I'm basically running a very simple bank on my own. But I also cap the size of the operations isk in take , and number of clients.

Just some food for thought.Smile

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Val'Dore
PlanetCorp InterStellar
#36 - 2012-11-18 16:50:50 UTC
The trouble with Banking in EvE is that it can only really be done the same way banking was done in the 19th century. Which is insufficient for such a connected galaxy. I did business with Ricdic's Bank on several occasions, but really it worked more like a investment bank than any useful end user banking. As it stands, EvE doesn't give us enough sand to flesh something like that out in any useful format.

So in conclusion, any attempts at a bank might as well just be calling themselves a mutual fund.

Star Jump Drive A new way to traverse the galaxy.

I invented Tiericide
Hakan MacTrew
Konrakas Forged
Solyaris Chtonium
#37 - 2012-11-18 20:13:21 UTC
Val'Dore wrote:
The trouble with Banking in EvE is that it can only really be done the same way banking was done in the 19th century. Which is insufficient for such a connected galaxy. I did business with Ricdic's Bank on several occasions, but really it worked more like a investment bank than any useful end user banking. As it stands, EvE doesn't give us enough sand to flesh something like that out in any useful format.

So in conclusion, any attempts at a bank might as well just be calling themselves a mutual fund.

How much did you lose then?

Friends
Tom Hagen
Twilight Empire
#38 - 2012-11-18 20:17:52 UTC
I think it is only one thing to say about this subject.

Don't create some Bull**** NPC organization to spawn more ISK to us the players.
Give us the players the tools that we need to operate it, if some of us is creative and use it in an unexpected way. So be it, but at least we the players are only shuffling ISK around among our self.
Mr Pragmatic
#39 - 2012-11-18 21:13:13 UTC
Whats wrong with depositing money into an NPC corp that collects interest. It could be like a CD I believe where you couldent pull out the isk for a certain amount of time.

I know you belligerent vets hate the idea of "Isk faucets" instead of complaining about "isk faucets" How about you figure new ideas for "Isk drains" other then PVP herpaderpa.

Super cali hella yolo swaga dopeness.  -Yoloswaggins, in the fellowship of the bling.
flakeys
Doomheim
#40 - 2012-11-18 22:08:53 UTC
Mr Pragmatic wrote:
Whats wrong with depositing money into an NPC corp that collects interest. It could be like a CD I believe where you couldent pull out the isk for a certain amount of time.

I know you belligerent vets hate the idea of "Isk faucets" instead of complaining about "isk faucets" How about you figure new ideas for "Isk drains" other then PVP herpaderpa.



If you don't know how to cure it just make it worse?


Now that's the spirit Roll

We are all born ignorant, but one must work hard to remain stupid.
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