The owner of this page is SkyGuy. According to policy, no other user, with the exception of admins, may edit this page without the owner's permission. If they do, they will receive an automatic 3 month block. If you are the Owner, and someone edits your page, alert Chris6d immediately.
Qirsyllvian economics are diverse and complicated.
- 1 Basic Principles
- 2 Currency
- 3 Trading
- 4 Banking
- 5 Notes & Trivia:
While all forms of minted currency have a set face-value, the "actual-value" of any currency is dependent on the market-value/price of commodities, so prices tend to fluctuate regularly, usually weekly if not daily. The market-value of goods, measured in points, changes in accordance of supply and demand, which reflectively increases or decreases the price of what people are buying. When the price of a certain product rises or falls, it can cause prices of similar products to change with it. This also means that the exchange rate between most currencies is also constantly fluctuating; although some currencies have a set-in-stone exchange rate with each other, usually by law or treaty.
When people buy a certain good from a market, it effectively increases the price due to the lack of supply to meet the demand, but if the demand is still high the sudden increase of the supply will not reduce the price. The opposite is also true; when people sell a good to a market, it decreases prices due to rising supply with lack of demand, but if there's still little demand for it a sudden loss of supply will not raise the price.
Shortages of Goods and the increase of prices as a result of supply and demand can sometimes cause inflation, the rapid decrease in the value of a currency; this can sometimes cause economies to become unstable. In the event of inflation, governments will sometimes counter it by taking a large amount of currency out of circulation and destroy it before minting new currency; but this has varying effects and can either end inflation for a time or do nothing to fix it.
One way that people make purchases in constantly fluctuating economies is by buying on credit. When someone buys on credit, they agree to buy then but pay later; meaning that they would pay the price of what the goods were that day at a later time, in the event that the market price of a product rises or drops over the intervening time. However, this can cause huge debt for the buyer in the event the price of the bought product drops exponentially, or if the market for the product crashes completely.
Alternatively, merchants can issue purchase agreements, or futures contracts; the gist is that they would pay in advance to purchase a product that will take some time to produce, such as crops or a large mount of weapons and armor, or even buildings, allowing people to sell what they don't yet have. For example; if a buyer pays in advance for the next season of crops, the farmer needs to produce the crops by the appointed time no matter what. This allows a buyer to buy a product in advance at the current price without worrying about the possibility of prices rising due to a bad season, allowing them obtain their products at lower prices. However the opposite is also true; if prices were to fall, they will have obtained the product at a higher price, which can in turn cause debt.
Many forms of currency exist across Qirsyllviar.
Coinage is the oldest form of official currency, and by far the most common. Coins are typically made of one of three precious metals: gold, silver, and copper. Gold is the most valuable and is most often used as the standard of base currency; silver and copper are usually used for smaller denominations, unless the currency isn't minted in gold.
Metal coins are minted usually using gold, silver or copper, but a few currencies use iron alongside, or instead of, one of the three main precious metals. Regardless, copper is usually considered more valuable than iron. In the past, some cultures issued a currency made of a valuable mineral such as jade, jasper, obsidian, turquoise and the like, but this practice is not common. The actual-value of coinage also depends on the purity of the coins minted, as they're usually mixed with small amounts of other metals such as tin, lead, zinc or platinum, for the purpose of making more coins. Sometimes the coin with be coated (or "plated") with another metal to increase the value of the coin without hurting the purity.
Despite gold coins being the most valuable, the majority of market products are normally priced with silver coins; hence, silver is the most often exchanged coin of any currency, sub-unit or otherwise. Unless gold coins are the only coins in circulation, gold is usually reserved for the purchase of higher value products like livestock, buildings, plots of land, mercenaries or large orders of crops; copper or iron coins are usually used for lower value items such as small amounts of food or condiments.
Known Circulating Coinage
Currencies here are listed from base denomination to the lowest fractional sub-unit, and the value between them.
These currencies have several coins, each less valuable than the main one.
It should be noted that many coins of the multi-coin systems are minted with several values. With coins that are minted in multiple materials (i.e the Florin, which is the first denomination of the Sequin, is minted in both gold and silver), the higher value coins are normally minted with the higher value metal while the lower values use the lower value metal.
|Coin||Minted Values||shape||Exchange rate||Circulating Nation(s) & Territories|
|Aieg||gold||1, 5, 10, 20||oval||1 Gold Aieg = 20 Silver Aiegs
1 Silver Aieg = 40 Copper Aiegs
|silver||1, 5, 10|
|copper||1, 5, 10, 20|
|Cruzado||gold||1, 5, 10, 20||circle||1 Gold Cruzado = 12 Silver Cruzados||Jóiazão|
|silver||1, 3, 6, 9|
|Grimbuk||gold||1, 5, 10, 20, 50, 100||rectangle||1 Gold Grimbuk = 25 Silver Grimbuks
1 Silver Grimbuk = 50 Copper Grimbuks
|silver||1, 5, 10, 20|
|copper||1, 5, 10, 25|
|Grzywna||gold||1, 5, 10, 20, 50||rectangle||1 Gold Grzywna = 25 Silver Grzywnas
1 Silver Grzywna = 50 Copper Grzywnas
|silver||1, 5, 10|
|copper||1, 5, 10, 25|
|Leu||gold||1, 5, 10, 20||circle||1 Gold Leu = 30 Silver Leus
1 Silver Leu = 50 Copper Leus
|silver||1, 2, 5, 10, 15|
|copper||1, 5, 10, 25|
|Magicred||gold||1, 5, 10, 20, 50, 100||circle||1 Gold Magicred = 35 Silver Magicred
1 Silver Magicred = 25 Copper Magicred
|silver||1, 5, 10, 15|
|copper||1, 5, 10, 15|
|gold||1, 5, 10, 20||square||1 Gold Nanak-Shahi = 30 Silver Nanak-Shahi
1 Silver Nanak-Shahi = 45 Copper Nanak-Shahi
|silver||1, 5, 10, 15|
|copper||1, 2, 5, 7, 10, 15, 20, 25|
|Reck||gold||1, 5, 10, 20, 50||circle||1 Gold Reck = 15 Silver Recks
1 Silver Reck = 10 Copper Recks
1 Copper Reck = 30 Iron Recks
|silver||1, 2, 5|
|copper||1, 2, 5|
|iron||1, 3, 5, 10, 15|
|gold||1, 5, 10, 20, 50, 100||long hexagon||1 Gold Rupee = 50 Silver Rupees
1 Silver Rupee = 50 Copper Rupees
|silver||1, 5, 10, 20, 25|
|copper||1, 5, 10, 20, 25|
|Xictre||silver||1, 5, 10, 20, 50, 100||six point star w/ a circle hole||1 Silver Xictre = 25 Iron Xictres||Avatron|
|iron||1, 5, 10, 15|
|Main Coin||Subunit Coins||Circulating Nation(s) & Territories|
|Arany||gold||circle||1, 2, 5, 10, 20, 50||Ezüst||silver||octagon||1, 5, 10, 25||Magyarhaza Kingdoms|
|Réz||copper||rectangle||1, 5, 10|
|Vas||iron||triangle||1, 2, 3|
|Exchange Rate||1 Arany = 50 Ezüst|
1 Ezüst = 10 Réz
1 Réz = 5 Vas
|Askiya||gold||rhombus||1, 2, 5, 10, 20||Sonni||silver||square||1, 5, 10, 25, 50|
|Za||copper||circle||1, 2, 5|
|Exchange Rate||1 Askiya = 50 Sonni|
1 Sonni = 25 Zas
|Aureus||gold||circle||1, 2, 5, 10, 20||Denarius||silver||circle||1, 2, 3, 5||Solaris & dependencies|
|Sestertius||1, 2, 3|
|Exchange Rate||1 Aureus = 25 Denarii|
1 Denarius = 4 Sestertii
1 Sestertius = 2 Dupondii
1 Dupondius = 2 Asses
|Balt||gold||hexagon||1, 2, 5, 10, 20, 50, 100||Cug||silver||six-point star||1, 2, 5, 10, 20||Salrin states|
|Nute||copper||hexagon w/ circle hole||1, 2, 3|
|Exchange Rate||1 Balt = 20 Cugs|
1 Cug = 5 Nutes
|Claymore||gold||knife||1, 2, 5, 10, 20||Rapier||silver||knife||1, 2, 5, 10, 25,||Drakyncia|
|Athame||copper||1, 2, 3, 5|
|Exchange Rate||1 Claymore = 50 Rapiers|
1 Rapier = 25 Athames
|Daric||gold||circle||1, 2, 5, 10, 20||Siglos||silver||circle||1, 2, 5, 10|
|Exchange Rate||1 Daric = 20 Siglos|
|gold||circle||1, 2, 5, 10, 20, 50||Dirham
|silver||circle||1, 2, 5, 10|
|copper||1, 2, 5|
|Exchange Rate||1 Dinar = 20 Dirhams|
1 Dirham = 10 Fulus
|Dok Chan||gold||circle||1, 2, 5, 10, 20||Pod Duang||silver||circle||1, 3, 5|
|Namo||copper||1, 3, 5|
|Exchange Rate||1 Dok Chan = 15 Pod Duang|
1 Pod Duang = 35 Namo
|Doubloon||gold||circle||1, 2, 5, 10, 20, 50||Escudo||silver||circle||1||Hispania & dependencies|
|Reale||1, 2, 4, 8|
|Exchange Rate||1 Doubloon = 2 Escudos|
1 Escudos = 16 Reales
1 Reale = 2 Picayunes
|Dragon||gold||circle||1, 2, 5, 10, 20, 50, 100||Lion||gold||circle||1, 5||Talmyrnia|
|Kraken||1, 3, 5|
|Wolf||1, 2, 5, 10|
|Exchange Rate||1 Dragon = 10 Lions|
1 Lion = 25 Krakens
1 Kraken = 20 Wolves
1 Wolf = 13 Badgers
1 Badger = 5 Turtles
|gold||circle w/ square hole||1, 2, 5, 10, 20, 50, 100||Eungae
|silver||circle w/ square hole||1, 2, 5||Goryeo|
|iron||1, 2, 4, 5, 10|
|Exchange Rate||1 Geumcham = 10 Eungae|
1 Eungae = 25 Donggae
1 Donggae = 20 Cheoldon
|Guilder||gold||circle||1, 2, 5, 10, 20, 50||Stuiver||silver||circle||1, 2, 4, 5, 10|
|Duit||copper||1, 2, 4|
|Exchange Rate||1 Guilder = 20 Stuivers|
1 Stuiver = 8 Duits
|Grim||gold||circle||1, 2, 5, 10, 20||Pheo||silver||circle||1, 2, 5||Garvis|
|Exchange Rate||1 Grim = 10 Pheos|
|gold||sycee, or circle w/ square hole||1, 2, 5, 10, 20, 50, 100||Yinhu
|silver||sycee, or circle w/ square hole||1, 5, 10, 25||Tianchao, Dongbalian, Miaogui|
|copper||circle w/ square hole||1, 2, 5|
|iron||circle w/ square hole||1, 2, 5, 10, 15|
|Exchange Rate||1 Jinlong = 50 Yinhu|
1 Yinhu = 25 Tongying
1 Tongying = 75 Tiegui
|gold||oval||1, 5, 10, 50, 100||Gingitsune
|silver||rectangle||1, 2, 5, 10||Fuso & Yamato dependencies|
|1, 2, 5, 10|
|copper||circle w/ circle hole||1, 2, 5|
|Exchange Rate||1 Kingetsu = 20 Gingitsune|
1 Gingitsune = 20 Gin'yo
1 Gin'yo = 10 Dogame
|Livre||gold||circle||1, 5, 10, 50, 100||Ecu||silver||circle||1, 2, 5, 10||Gallia & dependencies|
|Denier||copper||1, 2, 5, 9|
|Exchange Rate||1 Livre = 20 Ecu|
1 Ecu = 18 Denier
|Mark||gold||circle||1, 2, 5, 10, 20||Thaler||silver||circle||1, 2, 5||Starkland|
|Kreuzer||1, 3, 5|
|Groschen||1, 2, 5|
|Pfennig||copper||1, 2, 3, 4, 5, 6|
|Exchange Rate||1 Mark = 10 Thalers|
1 Thaler = 25 Kreuzers
1 Kreuzer = 10 Groschens
1 Grochen = 12 Pfennigs
|Noble||gold||circle||1, 2, 5, 10, 20, 50||Sceat||silver||circle||1, 2, 5|
|Styca||copper||1, 2, 3, 5, 10, 15|
|Exchange Rate||1 Noble = 10 Sceats|
1 Sceat = 30 Stycas
|Obrin||gold||circle||1, 5, 10, 50||Titian||silver||circle||1, 2, 4, 8|
|Siztyr||copper||1, 3, 6, 15|
|Exchange Rate||1 Obrin = 16 Titians|
1 Titian = 33 Siztyrs
|Odin||gold||circle||1, 5, 10, 15||Thor||silver||octagon||1, 2, 5, 10||Asgard|
|Freyja||six-point scallop||1, 2, 3|
|Loki||copper||rhombus||1, 2, 5|
|Exchange Rate||1 Odin = 20 Thors|
1 Thor = 5 Freyjas
1 Freyja = 10 Lokis
|Oir||gold||circle||1, 5, 10, 50||Airgid||silver||circle||1, 3, 5, 10||Ghlastír|
|Chopair||copper||1, 2, 3, 5, 10, 15|
|Exchange Rate||1 Oir = 25 Airgids|
1 Airgid = 30 Chopairs
|Ossis||gold||long octagon||1, 5, 10, 20, 50, 100||Piscis||silver||rhombus||1, 2, 3, 5, 10, 15||Bestiauris|
|Glande||copper||pentagon||1, 2, 5, 10, 20, 25, 30|
|Exchange Rate||1 Ossis = 30 Piscis|
1 Piscis = 50 Glandes
|Pagoda||gold||circle||1, 5, 10, 20||Mohar||gold||circle||1, 3, 5|
|Rupiya||1, 2, 4, 8|
|Dam||1, 2, 5, 10|
|Shivrai||1, 2, 3|
|Exchange Rate||1 Pagoda = 15 Mohars|
1 Mohar = 16 Rupiyas
1 Rupiya = 20 Dams
1 Dam = 5 Shivrai
|Riksdaler||gold||circle||1, 2, 5, 10, 20, 50||Ortug||silver||circle||1, 2, 4, 6, 10, 15, 17||Sverige & Noregr|
|Koppar||copper||1, 3, 5, 10, 20, 25, 30|
|Exchange Rate||1 Riksdaler = 34 Ortugs|
1 Ortug = 55 Koppars
|Ruble||gold||circle||1, 2, 5, 10, 20||Kopek||silver||circle||1, 2, 5, 10, 20, 50||Merzlota|
|Exchange Rate||1 Ruble = 100 Kopeks|
1 Kopek = 2 Denga
1 Denga = 2 Polushka
|Scarab||gold||oval||1, 5, 10, 20, 50||Cobra||silver||rhombus||1, 3, 5, 10, 15||Kemet|
|Scorpion||copper||triangle||1, 2, 3, 5, 10, 15|
|Exchange Rate||1 Scarab = 25 Cobras|
1 Cobra = 30 Scorpions
|Sequin||gold||circle||1, 2, 5, 10, 20||Florin||gold||circle||1, 2, 5||Firenze, Toscanelli, New Valencia, Verona|
|Paolo||1, 2, 5, 10|
|Gigliato||1, 2, 5|
|Cavalo||copper||1, 2, 5, 10|
|Exchange Rate||1 Sequin = 10 Florins|
1 Florin = 20 Paolos
1 Paolo = 10 Gigliato
1 Gigliato = 20 Cavalli
|gold||octagon||1, 5, 10, 20||Zuz
|copper||1, 2, 5, 10, 15|
|Exchange Rate||1 Shekel = 4 Zuzzim (זוזים)|
1 Zuz = 5 Gerah
1 Gerah = 15 Prutah
|Solis||gold||circle||1, 2, 5, 10, 20||Luna||silver||circle||1, 2, 5||Soleil|
|Sidus||copper||eight-point star||1, 2, 5, 10, 20, 25|
|Exchange Rate||1 Solis = 10 Luna|
1 Luna = 50 Sidus
|Sovereign||gold||circle||1, 2, 5, 10, 20||Crown||gold||circle||1, 2, 3||Albion & dependencies|
|Shilling||1, 2, 3|
|Farthing||copper||1, 2, 3, 5, 10, 15|
|Exchange Rate||1 Sovereign = 5 Crowns|
1 Crown = 5 Shillings
1 Shilling = 30 Farthings
|Strigoi||gold||circle||1, 2, 5, 10, 20, 50||Liliac||silver||circle||1, 2, 5, 10, 20, 25||Ardeal|
|Dinte||copper||triangle||1, 3, 5, 10, 15|
|Exchange Rate||1 Strigoi = 50 Liliacs|
1 Liliac = 25 Dints
|gold||circle||1, 2, 5, 10, 20, 50||Para
|gold||Circle||1, 2, 4, 5, 10, 20||Asilgüç|
|Exchange Rate||1 Sultani = 40 Para|
1 Para = 3 Akçe
|Talent||silver||circle||1, 2, 5, 10, 20, 50, 100||Mina||silver||circle||1, 2, 3, 5, 10, 15, 20, 30||Atlantis|
|Drachma||1, 2, 5, 7, 10, 15, 20, 25, 30, 35|
|Obol||1, 2, 3|
|Exchange Rate||1 Talent = 60 Minae|
1 Mina = 70 Drachmae
1 Drachma = 6 Oboloi
|Talon||gold||triangle||1, 2, 5, 10, 20, 50, 100||Scale||silver||half-oval||1, 2, 5, 10, 15, 20, 25|
|Fang||copper||triangle||1, 3, 5, 10, 15|
|Exchange Rate||1 Talon = 50 Scales|
1 Scale = 25 Fangs
|Tangka||silver||circle||1, 5, 10, 20||Srang||silver||circle||1, 3|
|Skar||1, 2, 5|
|Exchange Rate||1 Tangka = 6 Srang|
1 Srang = 10 Skar
|Tcho||gold||circle||1, 2, 10, 20, 50, 100||Gjor||silver||circle||1, 2, 4, 6, 12|
|Hro||copper||1, 3, 10, 15|
|Exchange Rate||1 Tcho = 24 Gjors|
1 Gjor = 33 Hros
|Unicorn||gold||circle||1, 2, 5, 10, 20||Merk||silver||circle||1, 2, 5, 10|
|Groat||1, 2, 3|
|Exchange Rate||1 Unicorn = 20 Merks|
1 Merk = 5 Groats
1 Groat = 2 Bodles
|Karshapana||silver||irregular, usually square|
|Van||iron||round with square hole|
Banknotes, more commonly known as cash, have started to come into fashion as legal tenders over the last couple centuries; yet they're not as popular since they're so easy to counterfeit, and only a handful of countries circulate them. Face-value-wise, they start out at the same value as the highest value coin of the base currency, and then make into higher values.
Like gold, banknotes are usually reserved for exceptionally large transactions; most people try to avoid them otherwise.
As mentioned above, only a few countries print paper banknotes alongside coinage. The following currencies are the only monetary units known to have printed banknotes.
|Main||Denominations:||Exchange Rate||Circulating Nation(s) & Territories|
|Balt||1, 2, 5, 10, 20, 50, 100||n/a||Salrin states|
|Címlet||1, 5, 10, 15, 20, 50, 100||n/a||Magyarhaza Kingdoms|
|Dragon||1, 5, 10, 20, 50, 100||n/a||Talmyrnia|
|1, 10, 20, 50, 100, 200||Guanzi
|1, 5, 10 & 20||1 Jiaozi = 20 Guanzi
1 Guanzi = 10 Huizi
1 Huizi = 5 Jinlong
|1, 5 & 10|
|1, 10, 20, 50, 100, 200||n/a||1 Jipye = 100 Geumcham||Goryeo|
|Leu||1, 5, 10, 50, 100||n/a|
|Magicred||1, 5, 10, 20, 50, 100, 1000||n/a|
|Mark||1, 5, 10, 20, 50, 100||Starkland|
|Ruble||1, 5, 10, 50, 100||Merzlota|
|1, 5, 10, 50, 100, 500, 1000||n/a||1 Teisatsu = 10 Kingetsu||Yamatai & dependencies|
A select few countries circulate other things as their official currency, or partially for use as commodity money.
- Gold Nugget: In a few pre-colonial Nekcrozii cultures, rather than a set coinage, simple unrefined nuggets of gold are circulated as currency, with prices being based on weight. This practice has since fallen out of use, mostly.
- Seashells: The use of seashells as currency is one of the earliest monetary methods on Qirsyllviar and remains in use in many places today; however, it has been falling out of use over the last few centuries. Cowries are the most common, but Olive shells, Bivalve halves, auger shells, conch shells, tusk shells, land snail shells, and many more, are used as well. The value of shells is determined by how complete and clean they are; dirty or broken shells are not usually accepted in most transactions. These days, shells only fully circulate amongst the
underseanations Bivalvia and Cnidaria; but there is great use of shellsall over Maritymir, as well as parts of Tarak and Nekcroz.
|Term||Number of Coins on strings|
|5000 → 10000|
|1000 → 5000|
|100 → 1000|
|100 or less|
- Strings: In countries like Tianchao & Dongbalian, it's common practice for many coins to be strung together in strings. Often as many as fifteen thousand coins would be strung together at once, but are segregated by the metal the coin is made of. The terms used for strings depend on how many coins are on them
- Gem: Diamonds, emeralds, rubies, sapphires etc. gems are another precious substance used as a currency on Qirsyllviar. Instead of denominating them by value, Gems are instead valued by weight; this means that any number of gems, no matter the type, could be used to meet the priced weight, as different sized gems would have different weights. Uncut gems that are freshly mined generally hold no value as currency; often they only enter circulation once they are properly cut to a valuable shape, but uncut gems are still accepted in some places. Gems are often used as a pseudo currency when regular money is unavailable; but, the Empire of Soynaltiar is different. Being the largest producer of gemstones than anywhere else on Qirsyllviar, the Empire of Soynaltiar uses gems as its full circulating currency.
- Jade: Jade is the material used to make the currency cocajade, a currency used by a couple countries in Nekcroz, as well as a tradable stone in countries like Tianchao and Dongbalian.
- Wood: Some ancient stateless cultures, particularly nomadic peoples, used wooden coins or plaques as currency when trading with each other or with established nations. However, this method of legal tender fell out of use several centuries ago.
Every so often a currency will fall out of use or will be taken out of circulation until it becomes obsolete. This can happen for a multitude of reasons:
- When a country changes its currency, such as its name or appearance, or adopts a currency used by a neighboring country.
- When it is no longer trusted by the populace (this instance can often force the above action).
- A country ceases to exist via a national collapse or conquest.
- In the latter instance, the conquering state will often impress its currency on the conquered state's economy.
|Troni||silver||square w/ circle hole||Avatron|
|Zen||copper||square w/ square hole||Maldrazik (now Rondar)|
Counterfeiting is the illegal production of money, or anything that isn't officially endorsed by a government. Counterfeiting has been a problem since money was first invented and remains a problem today. Counterfeiting can cause inflation, the rapid decrease in the value of a currency, as well as cause people to lose trust in a currency.
A common anti-counterfeiting measure for paper currency is that official banknote is stamped with an official seal before it enters circulation. Such marks show that the note is real and notes without them are generally illegal. This attempts to dissuade counterfeiters from trying to replicate it, since such a feat is not easily achieved and a well-trained eye is able to spot the fakes. Regardless, that hasn't stopped many counterfeiters from trying.
Economics through trade and barter rather than commodity currency is not a new thing anywhere on Qirsyllviar. When merchants take products instead of money for payment, usually at the amount equal to the price of what they're selling (at least what it is at the time of exchange in that particular economic area), they usually do so with the intention of getting a bigger profit by reselling what they were given at a better price. They sometimes trade on credit (buying then and paying later), but this can cause massive debt in the event a following trade deal falls through or the market for the product collapses. Trade between nations is one of the biggest sources of income on Qirsyllviar, and free trade zones produce the most revenue.
Despite being the biggest method of profit and revenue, trading has its limitations and risks because of certain trade barriers imposed by nations. Most goods usually have a tariff, a tax for transporting goods across national borders, placed on them, and cannot be taken in or out of a country unless it is paid. Additionally, nations often place smaller taxes on many goods for transporting them through towns within their borders. Not paying attention to these taxes can lead to a loss of profit or even debt. Other trade restrictions include import/export licenses, import quota, embargoes, currency devaluation, etc., and are the biggest blocks to merchants trying to make a profit. It is for these reasons that some merchants turn to smuggling (the illegal transport of goods via other means), either to avoid taxes or if the goods are prohibited in the area they're entering. They may hire professional smugglers to do it for them, or take the risk and try to smuggle the goods themselves.
Another issue that makes trade risky is the possibility of the transported goods being stolen.
The Black Market
Despite any and all trade restrictions, most goods are still valuable, or even more valuable, if sold in an illegal way. This is where the black markets comes in.
Black markets are hidden markets that specializes in goods that are either illegal or simply can't be brought into open market legally because of taxes. These goods are brought in via illegal means, often by smuggling, mainly because they're often illegal where they're being sold. Such things include poached animals, poisons, drugs, stolen valuables, and items of similar nature. Alternatively, if the goods are actually in fact legal in the area they're being sold, it is simply because bringing them in illegally to avoid taxes makes it impossible to sell them in the open market.
Black market dealers are often criminals or secret employees of trading companies that can't get certain goods in legal ways.
Because of the risks involved in illegal trade, the black market tends to make more money than the open market.
Merchants often travel and peddle alone or in small groups, but sometimes they will take jobs from trading companies or work directly for them. There are dozens, if not hundreds, of trading companies operating around Qirsyllviar, which deal in products ranging from wheat to weapons to slaves.
|Trading Company||Headquaters||Areas of Operation||Other notes|
|Angevin Trading Company||Jamesburg, Angevin||Angevin and across Wudfyrgen||The largest trading company in Nekcroz.|
|Ceolbald Trading Company||Camelot, Albion||Albion and parts of Nekcroz|
|Cuvillier Trading Company||Echange, Soleil||The Vieillesse Peninsula & Fuso||The largest trading company in the Vieillesse but also does business in Fuso.|
|Fortuna Trading Company||Solarium, Solaris||Solaris & Dependencies||The largest trading company in the Solarii Empire.|
|Martyniak Brothers' Trading Company||Afacere, Ardeal||Northern Eurodysia||A vampire-run trading company headquartered in, and operating out of, Ardeal.
It was founded by two vampire brothers, Costache & Jadranko Martyniak (hence the guild's name), and is one of the biggest trading guilds in northern Eurodysia.
|Mamiya Trading Company
|Goshi (合資), Yamatai||Fuso & Yamato dependencies, and Soleil||Run by the Mamiya clan, it is the largest trading company in Fuso, but also does business in Soleil.|
|West Tarak Company||Capsonville, Edwardia||Tarak||The largest trading company in Tarak.
Operates out of Edwardia and stretches across the continent.
|Otto Trading Company||Handelburg, Starkland||Central Eurodysia||The largest trading company in the Starkisch Empire.|
|Pritchard Trading Company||Orskaydd, Talmyrnia||Talmyrnia||The largest trading company in the Talmyri Empire. While founded in Talmyrnia, is has a global reach with branches all over the world.|
|Tatre Trading Company||Syfas, New Hylar||Eastern Taraki coast and across Maritymir||A trading company that mostly specializes in maritime trade.|
Banks are institutions for depositing and lending money.
Banks charge interest when giving loans, especially when lending to governments. When banks give loans, usually demand something of comparable value to the loan as collateral, such as one's home or a piece of property. The longer it takes for a debtor to pay back the loan, the more the interest piles up. If borrowers are late or default their debts they usually put pressure on the borrower to get the money back. This may include, as the first, refusal to lend any more money, or, as a last resort, backing enemies of the defaulters, but usually they take the agreed upon collateral. Oftentimes the debtor is jailed when he can't pay, but tn extreme cases the debtor may be sold into slavery.
|Bank of New Albion|
|Bank of Avolcraz|
|High Bank of Hylar||Jicrano, Hylar||Based in the Empire of Hylar, the bank is one of the richest and most influential in southern Aquilonis.|
|Bank of Livonia|
|Bank of Markaydia|
|Bank of Talmyrnia||Orskaydd, Talmyrnia|
|Imperial Bank of Solaris||Solarium, Solaris||The largest and most powerful bank in Eurodysia.
Based in the Solarii Empire (hence the name).
Many national economies of Eurodysia live under its influence, whether they know it or not.
|Bank of Merzlota|
|Bank of Shogyo||Goshi, Yamatai||The primary bank of the Yamato Empire.|
Notes & Trivia:
- In the currency section of country listings of the continents, currencies are listed from base denomination to the lowest fractional sub-unit.
- The currency Cocajade, being made from a stone rather than a metal, is carved rather than minted.
- Most currencies listed are based of real historical currencies, while others are unique to Qirsyllviar. Some of those that are based off real historical ones, have had their values adjusted or revamped.
- The obverse and reverse images of the coins and notes are not listed, since multiple countries that use the same type of currency would – and often do – have differing obverses and reverses, and the images often change with the times. That said, countries that use the same currencies will often accept each other coins for payment, as they are still the same coin despite originating in different countries.
- On that note; the obverse of coins often depict the faces of current or former rulers, certain gods or goddesses, or other national symbols. The reverse often depicts a building or historical scene of particular importance or another national symbol. Well used mottoes, sayings or acronyms, as well as the value of the coin, are also often set onto currencies as well.
- The terms "Commodity money" and "Commodity currency" have two different meanings.
- On Qirsyllviar, "Stocks" simply refer to the amount of a product a single person or entity has in supply.
- While the concept of credit exists, Bonds do not exist on Qirsyllviar. The concept was too complicated for the author to shape to Qirsyllvian standards.
- For coins listed as shaped "scallop", it's another way of saying flower.