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Qirsyllvian economics are diverse and complicated.

Basic Principles

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.

Currency

Many forms of currency exist across Qirsyllviar.

Coinage

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 or zinc, for the purpose of making more coins.

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.

Multi-coin currencies:

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.

Single-coin multi-denomination currencies. These currencies have a common-name coin, with denominations established with differing metal.
Coin Minted Values shape Exchange rate Circulating Nation(s) & Territories
Name Metal
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 Lusitania
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
Lechia
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
Nanak-Shahi 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
Rupee
7qU~V
gold 1, 5, 10, 20, 50, 100 long hexagon 1 Gold Rupee = 50 Silver Rupees
1 Silver Rupee = 50 Copper Rupees
Hylar
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
iron 1, 5, 10, 15
Multi-coin multi-denomination currencies
Main Coin Subunit Coins Circulating Nation(s) & Territories
Name Metal Shape Values Metal Shape Values
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
Dupondius copper 1
As 1
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
Dinar
دينار
gold circle 1, 2, 5, 10, 20, 50 Dirham
درهم
silver circle 1, 2, 5, 10
Fals
فلز
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
Picayune copper 1
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
silver
Wolf 1, 2, 5, 10
Badger copper 1, 3
Turtle 1
Exchange Rate 1 Dragon = 10 Lions
1 Lion = 25 Krakens
1 Kraken = 20 Wolves
1 Wolf = 13 Badgers
1 Badger = 5 Turtles
Geumcham
금참
gold circle w/ square hole 1, 2, 5, 10, 20, 50, 100 Eungae
은개
silver circle w/ square hole 1, 2, 5 Goryeo
Donggae
동개
copper 1, 5
Cheoldon
철돈
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 Stuiver circle 1, 2, 4, 5, 10
Duit Duit 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
Jinlong
金龍
gold sycee, or circle w/ square hole 1, 2, 5, 10, 20, 50, 100 Yinhu
銀虎
silver sycee, or circle w/ square hole 1, 5, 10, 25 Tianchao, Dongbalian, Miaogui
Tongying
銅鷹
copper 1, 2, 5
Tiegui
鐵龜
iron circle w/ square hole 1, 2, 5, 10, 15
Exchange Rate 1 Jinlong = 50 Yinhu
1 Yinhu = 25 Tongying
1 Tongying = 75 Tiegui
Kingetsu
金月
gold oval 1, 5, 10, 50, 100 Gingitsune
銀狐
silver rectangle 1, 2, 5, 10 Fuso & Yamato dependencies
Gin'yo
銀鷹
1, 2, 5, 10
Dogame
銅亀
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 Hibernia
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
silver
Dam 1, 2, 5, 10
copper
Shivrai 1, 2, 3
Exchange Rate 1 Pagoda = 15 Mohars
1 Mohar = 16 Rupiyas
1 Rupiya = 20 Dams
1 Dam = 5 Shivrai
Qirsh gold circle 1, 2, 5, 10, 20, 50 Para gold circle 1, 2, 4, 5, 10, 20
Akce 1, 2
silver
Exchange Rate 1 Qirsh = 40 Para
1 Para = 3 Akce
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
copper
Denga 1
Polushka 1
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
silver
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
Shekel gold octagon 1, 5, 10, 20 Zuz silver circle 1, 2 Canaan
Prutah copper 1, 2, 5, 10, 15
Exchange Rate 1 Shekel = 4 Zuz
1 Zuz = 25 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 Britannia & dependencies
silver
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
Talent silver circle 1, 2, 5, 10, 20, 50, 100 Mina silver circle 1, 2, 3, 5, 10, 15, 20, 30 Spitixira
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
Bodle copper 1
Exchange Rate 1 Unicorn = 20 Merks
1 Merk = 5 Groats
1 Groat = 2 Bodles
Single-coin currencies:
These currencies are minted only in one metal with no denomination
Coin Metal Shape Circulating Nations/Territories
Bloom iron eight-point scallop
Erniga gold trapezoid
Kahavanu gold circle
Karshapana silver irregular, usually square
Quachtli gold square frustum
Quechua gold cube
Tornesel silver circle
Van iron round with square hole
Yyrdilren silver round Alfheim

Paper Currencies

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
Currency

Printed Values

Currency Printed Values
Balt 1, 2, 5, 10, 20, 50, 100 Salrin states
Címlet 1, 5, 10, 15, 20, 50, 100 Magyarhaza Kingdoms
Dragon 1, 5, 10, 20, 50, 100 Talmyrnia
Jiaozi
交子
1, 10, 20, 50, 100, 200 Guanzi
關子
1, 5, 10 & 20 1 Jiaozi = 20 Guanzi
1 Guanzi = 10 Huizi
1 Huizi = 5 Jinlong
Tianchao, Dongbalian
Huizi
會子
1, 5 & 10
Jipye
지폐
1, 10, 20, 50, 100, 200 1 Jipye = 100 Geumcham Goryeo
Leu 1, 5, 10, 50, 100
Magicred 1, 5, 10, 20, 50, 100, 1000
Mark 1, 5, 10, 20, 50, 100 Starkland
Ruble 1, 5, 10, 50, 100 Merzlota
Teisatsu
帝札
1, 5, 10, 50, 100, 500, 1000 1 Teisatsu = 10 Kingetsu Yamatai & dependencies

Other Currencies

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 undersea nations Bivalvia and Cnidaria; but there is great use of shells all over Maritymir, as well as parts of Ingdjiva and Nekcroz.
Term Number of Coins on strings
Guan
10000+
Chuan
5000 → 10000
Suo
1000 → 5000
Diao
100 → 1000
Min
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 hold no value as currency, they only enter circulation once they are properly cut to a valuable shape. 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 Soynaltiartiar 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.

Defunct Currencies

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.
Currencies that are no longer in circulation include:
Currency Metal Shape Former Circulator
Koson gold circle Amurgine Empire
Troni silver square w/ circle hole Avatron
Zen copper square w/ square hole Maldrazik (now Rondar)

Counterfeiting

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.

Trading

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), 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 a different 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.

Trading Companies

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.

The largest and most well-known are listed here.
Trading Company Headquaters Areas of Operation Other notes
Angevin Trading Company Jamesburg, Angevin Angevin and across Coilagbein The largest trading company in Nekcroz.
Craddock Trading Company Camelot, Camelot Camelot and parts of Britannia
Cuvillier Trading Company Echange, Soleil The Vieillesse Peninsula The largest trading company in the Vieillesse.
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
間宮商社
Goshi, Yamatai Fuso & Yamato dependencies The largest trading company in Fuso.
Northwest Ingdjiva Company Capsonville, Edwardia Ingdjiva The largest trading company in Ingdjiva.

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.
Tatre Trading Company Syfas, New Hylar East Ingdjiva coast and across Maritymir A maritime trading company.

Banking

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.

All countries have their own banks, but smaller ones are usually overlooked by the larger more powerful ones. The largest and most well-known are listed here.
Bank Headquaters Other Notes
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.
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