Clan loan / bank system

this is a little idea i thoroughly thought through and i have thought of all the possible pros and cons to it and possible solutions.


So. A centralized bank that is controlled by the clan leader.


how it works:
all players have their gold and exilir storages. so how it would work is player 1 is clan leader and player 2, 3, 4, and 5 are in the clan called "player clan". so each person will have the option of setting the amount of gold/exilir/dark exilir that they want to be accessable by the rest of the clan.


example: player 3 needs to upgrade town hall to lvl 2 and must have 500 gold to upgrade and there is 1,000 in the clan bank. he only has 100. he presses upgrade on the town hall and the message comes up saying "insufficient gold" the three options are then 'use gems' 'loan from clan bank' and 'cancel'. if he says 'loan from clan bank' then what happens is that a box appears saying amount wanting to loan and what resource and what is the resources going to. a request is then sent to the clan leader and he/she will verify or deny the offer. if verified the the person will get the recourses and then he will have a debt to pay back.
how the debt will be payed: all mines / extractors have an internal storage. and gather at a certain rate. the person will not see an increase in resources until the debt is payed back. now one might say "oh i'll just leave the clan!" well even if they leave their debt is locked with the clan. a person can only have one loan at a time.
now one thing that i thought of is that people will just say all of their resources are accessible and if they get raided then it wont get touched. well the player still stores the gold in their storages but they are giving permission for the clan leader to use that amount. but if they get raided then that money gets raided too and the player must then set the amount they want to be accessed again.


in the clan menu, there will be a box that says


Clan Bank
Gold: _______
Exilir:_______
Dark exilir:_______


and the amount changes with every loan withdrawal and every amount set by the players to accessed.


when an amount is being payed back. lets say player 2 had 1,000 accessable and all of it was used, then it will be taken from his storages and used by player 3 who used it. now player 3 has a mine that gathers at 200/hr but he wont see an increase in his mine till he has gathered a total of 1000 gold back. and player 2 will have his 200/hr + the 200/hr of player 3.
player 2 will also see who borrowed the money and the rate at which its being payed back at.


also a possible option is a request resources option for clans that have trustworthy members and it will be tallied just like the troops are.


Im pretty sure that i have covered all my bases. if anyone has any comments please post them. ill do my best to reply.






CoC name: melekoda
clan: armageddon (clan elder)
Lvl 32

That was an amazing idea! You thought through everything, I really hope it gets implemented to the game!

Thanks. Please post a link to this thread anywhere and everywhere so it will be seen by the dev team.

Quote:

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Originally Posted by Melekoda

this is a little idea i thoroughly thought through and i have thought of all the possible pros and cons to it and possible solutions.


So. A centralized bank that is controlled by the clan leader.


how it works:
all players have their gold and exilir storages. so how it would work is player 1 is clan leader and player 2, 3, 4, and 5 are in the clan called "player clan". so each person will have the option of setting the amount of gold/exilir/dark exilir that they want to be accessable by the rest of the clan.


example: player 3 needs to upgrade town hall to lvl 2 and must have 500 gold to upgrade and there is 1,000 in the clan bank. he only has 100. he presses upgrade on the town hall and the message comes up saying "insufficient gold" the three options are then 'use gems' 'loan from clan bank' and 'cancel'. if he says 'loan from clan bank' then what happens is that a box appears saying amount wanting to loan and what resource and what is the resources going to. a request is then sent to the clan leader and he/she will verify or deny the offer. if verified the the person will get the recourses and then he will have a debt to pay back.
how the debt will be payed: all mines / extractors have an internal storage. and gather at a certain rate. the person will not see an increase in resources until the debt is payed back. now one might say "oh i'll just leave the clan!" well even if they leave their debt is locked with the clan. a person can only have one loan at a time.
now one thing that i thought of is that people will just say all of their resources are accessible and if they get raided then it wont get touched. well the player still stores the gold in their storages but they are giving permission for the clan leader to use that amount. but if they get raided then that money gets raided too and the player must then set the amount they want to be accessed again.


in the clan menu, there will be a box that says


Clan Bank
Gold: _______
Exilir:_______
Dark exilir:_______


and the amount changes with every loan withdrawal and every amount set by the players to accessed.


when an amount is being payed back. lets say player 2 had 1,000 accessable and all of it was used, then it will be taken from his storages and used by player 3 who used it. now player 3 has a mine that gathers at 200/hr but he wont see an increase in his mine till he has gathered a total of 1000 gold back. and player 2 will have his 200/hr + the 200/hr of player 3.
player 2 will also see who borrowed the money and the rate at which its being payed back at.


also a possible option is a request resources option for clans that have trustworthy members and it will be tallied just like the troops are.


Im pretty sure that i have covered all my bases. if anyone has any comments please post them. ill do my best to reply.






CoC name: melekoda
clan: armageddon (clan elder)
Lvl 32

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Donating recourses has already been ruled out please read the sticky

Sorry to burst your bubble but resource trading between players had been ruled out before... So, probably no....

Quote:

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Originally Posted by mikaru

Sorry to burst your bubble but resource trading between players had been ruled out before... So, probably no....

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I did read it and I didn't see it in there. But I have thought of a solution to every problem I could think of so I don't know why it shouldn't be implemented. If not then it was worth the try but I think it would be a great addition to the game.

Quote:

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Originally Posted by Melekoda

this is a little idea i thoroughly thought through and i have thought of all the possible pros and cons to it and possible solutions.


So. A centralized bank that is controlled by the clan leader.


how it works:
all players have their gold and exilir storages. so how it would work is player 1 is clan leader and player 2, 3, 4, and 5 are in the clan called "player clan". so each person will have the option of setting the amount of gold/exilir/dark exilir that they want to be accessable by the rest of the clan.


example: player 3 needs to upgrade town hall to lvl 2 and must have 500 gold to upgrade and there is 1,000 in the clan bank. he only has 100. he presses upgrade on the town hall and the message comes up saying "insufficient gold" the three options are then 'use gems' 'loan from clan bank' and 'cancel'. if he says 'loan from clan bank' then what happens is that a box appears saying amount wanting to loan and what resource and what is the resources going to. a request is then sent to the clan leader and he/she will verify or deny the offer. if verified the the person will get the recourses and then he will have a debt to pay back.
how the debt will be payed: all mines / extractors have an internal storage. and gather at a certain rate. the person will not see an increase in resources until the debt is payed back. now one might say "oh i'll just leave the clan!" well even if they leave their debt is locked with the clan. a person can only have one loan at a time.
now one thing that i thought of is that people will just say all of their resources are accessible and if they get raided then it wont get touched. well the player still stores the gold in their storages but they are giving permission for the clan leader to use that amount. but if they get raided then that money gets raided too and the player must then set the amount they want to be accessed again.


in the clan menu, there will be a box that says


Clan Bank
Gold: _______
Exilir:_______
Dark exilir:_______


and the amount changes with every loan withdrawal and every amount set by the players to accessed.


when an amount is being payed back. lets say player 2 had 1,000 accessable and all of it was used, then it will be taken from his storages and used by player 3 who used it. now player 3 has a mine that gathers at 200/hr but he wont see an increase in his mine till he has gathered a total of 1000 gold back. and player 2 will have his 200/hr + the 200/hr of player 3.
player 2 will also see who borrowed the money and the rate at which its being payed back at.


also a possible option is a request resources option for clans that have trustworthy members and it will be tallied just like the troops are.


Im pretty sure that i have covered all my bases. if anyone has any comments please post them. ill do my best to reply.






CoC name: melekoda
clan: armageddon (clan elder)
Lvl 32

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Sorry, but this idea has not been thought through thoroughly enough!

1. Trading resources between players has been ruled out.
2. What is the point of the bank system? You are essentially just taking a loan from your own collectors! I don't mean to be rude but the idea is not thought out at all... Let me summarize what is really happening:

I don't have enough money for my upgrade. Ohw wait, I can just use some resources I don't really have and nullify my collectors for a while....

Not to mention the incredible decrease in available loot this will create! Can you imagine all collectors being empty because they are paying off some debt?

I am really sorry I have to say this, but the idea is horrible!!

I think the bank is a great idea though I would simplify it a lot. Set amounts to borrow at each town hall level. Central clan bank with only voluntary donations. Can only borrow if cash is available. All invested cash is temporarily moved back to the base during a raid and then put back as a percentage of what the raid misses. Player cannot leave clan while investment not equal to 0. Something along those lines.
Great suggestion!

Quote:

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Originally Posted by Bitslap

I think the bank is a great idea though I would simplify it a lot. Set amounts to borrow at each town hall level. Central clan bank with only voluntary donations. Can only borrow if cash is available. All invested cash is temporarily moved back to the base during a raid and then put back as a percentage of what the raid misses. Player cannot leave clan while investment not equal to 0. Something along those lines.
Great suggestion!

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Please, just think this through a bit more... Just really think it through!

Is it coming to you yet...?

Quote:

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Ruled Out:
Devs have related that these ideas are "Ruled Out", please do not start threads asking for them, they will just be locked.
* Donating (or trading) resources or gems to (with) other players

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Can you see it...?

Alright we'll thanks for the views and the comments. I see some problems that it will make now.

You owe me five dollars.

im tired on saying this so read my signature.