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Bank system
Every player has a virtual, per material balance stored in Exchequer's own database rather than as physical items. This avoids duplication exploits and removes the need to carry inventory space for currency. Deposits remove the physical item from your inventory at a 1 to 1 ratio and credit your ledger balance. Withdrawals debit the ledger and give the physical item back at the same 1 to 1 ratio.
Open with /exchequer bank. This is a chest style inventory with one slot per tracked material. Each slot's lore shows your current deposited balance for that material. Click a slot to open a quantity prompt for depositing or withdrawing.
If the tracked material list grows beyond one page, the GUI paginates automatically, grouped by category (ores, gems, and so on based on your config.yml material list order).
Every player has a maximum total ledger value they can hold, expressed as a single number computed across every material balance against the reference currency. This exists to prevent unlimited hoarding and to give a natural progression hook. See [Configuration](Configuration.md) for the tier values and upgrade costs.
If you attempt to deposit past your vault capacity, the deposit is rejected and you're told your current capacity and how much room remains.
Separate from personal banks, each town and nation has its own treasury, funded by the treasury side of the exchange tax split (see [Exchange and Market](Exchange-and-Market.md)). Treasury withdrawals are restricted to mayors, kings, or whoever your permission setup grants exchequer.governance to. Treasury balances feed directly into GDP calculation, see [GDP and Economic Identity](GDP-and-Economic-Identity.md).
Without Towny installed, there is no treasury layer. Every player's GDP and economic identity is personal rather than nation based.
Why did my deposit fail even though I have the item in my inventory?
Most likely you've hit your vault capacity. Check /exchequer bank balance to see your current total against your tier limit.
Can I lose my bank balance? Only through war and raid seizure events if you're on a Towny server running war mechanics, and even then only if you haven't purchased insurance covering that amount. See [Advanced Systems](Advanced-Systems.md) for insurance details. Standard gameplay does not remove ledger balances.