> For the complete documentation index, see [llms.txt](https://dragon-heart-studios.gitbook.io/dragonheartstudios/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://dragon-heart-studios.gitbook.io/dragonheartstudios/scripts/dhs-bankingsim/bank-ownership-upgrades.md).

# Bank Ownership Upgrades

## Bank Ownership & Upgrades

Bank ownership is **optional**. The banking system works for all players without an owner. Enabling it allows players to purchase, operate, and grow individual bank branches.

***

### Enabling Ownership

```lua
Config.Ownership.Enabled = true  -- default: true
```

***

### Purchasing a Bank

1. A player opens the banking UI and navigates to the **Ownership** tab.
2. They purchase a **banking license** ($500,000 by default).
3. They deposit the **minimum starting capital** ($100,000 by default) to activate.
4. The Ownership tab disappears once purchased — all management is done at the **teller counter zone** (management zone behind the counter).

***

### Ownership Configuration

| Key                           | Default    | Description                                          |
| ----------------------------- | ---------- | ---------------------------------------------------- |
| `Enabled`                     | `true`     | Allow players to buy and own bank branches           |
| `LicenseCost`                 | `$500,000` | One-time cost for a banking license                  |
| `MinimumCapitalDeposit`       | `$100,000` | Required starting capital when purchasing            |
| `MaxBanksPerPlayer`           | `1`        | Maximum branches a single player can own             |
| `TransferCooldownHours`       | `72`       | Cooldown after a transfer before another can be made |
| `DissolutionGracePeriodHours` | `48`       | How long a dissolved bank lingers before removal     |
| `PrimaryBankSwitchFee`        | `$500`     | Fee for switching the primary bank brand             |

***

### Employee Roles

Bank owners hire employees through the management dashboard. The owner earns from bank profits rather than a fixed pay rate.

| Role               | Pay Rate     | Key Permissions                                            |
| ------------------ | ------------ | ---------------------------------------------------------- |
| Teller             | $50/cycle    | Deposits, withdrawals, cash conversion                     |
| Vault Manager      | $100/cycle   | All teller + large transaction auth, vault access          |
| Loan Officer       | $80/cycle    | Loan review and approval                                   |
| Compliance Officer | $90/cycle    | Fraud tools, account freezing, transaction review          |
| Manager            | $150/cycle   | All permissions + hiring/firing/promoting, change ops mode |
| Owner              | Profit share | All permissions + transfer ownership, purchase upgrades    |

Loan Officers can approve loans up to $50,000 alone; larger loans require manager approval.

***

### Upgrades

Owners purchase upgrades via the management dashboard or the `/bankupgrade` command. All prices are configurable in `Config.Upgrades.Categories`.

#### Default Values (before any upgrades)

| Metric                   | Default  |
| ------------------------ | -------- |
| Max Vault Balance        | $500,000 |
| Terminal Count           | 1        |
| Max Concurrent Customers | 5        |
| Max Loan Book            | $250,000 |
| Processing Speed         | 1.0×     |

***

#### Vault Capacity

Increases the maximum balance the bank vault can hold.

| Tier | Cost       | Max Vault   | Label            |
| ---- | ---------- | ----------- | ---------------- |
| 1    | $50,000    | $1,000,000  | Basic Vault      |
| 2    | $150,000   | $2,500,000  | Reinforced Vault |
| 3    | $350,000   | $5,000,000  | Premium Vault    |
| 4    | $750,000   | $10,000,000 | Elite Vault      |
| 5    | $1,500,000 | $25,000,000 | Central Vault    |

***

#### Operations

Increases the number of active teller terminals and processing speed (lower multiplier = faster).

| Tier | Cost       | Terminals | Processing Speed | Label        |
| ---- | ---------- | --------- | ---------------- | ------------ |
| 1    | $30,000    | 2         | 1.0×             | Basic Ops    |
| 2    | $100,000   | 3         | 0.85×            | Enhanced Ops |
| 3    | $250,000   | 4         | 0.70×            | Advanced Ops |
| 4    | $500,000   | 5         | 0.55×            | Premium Ops  |
| 5    | $1,000,000 | 6         | 0.40×            | Elite Ops    |

***

#### Customer Capacity

Increases the maximum number of concurrent customers the branch can serve.

| Tier | Cost     | Max Customers | Label           |
| ---- | -------- | ------------- | --------------- |
| 1    | $20,000  | 8             | Small Branch    |
| 2    | $60,000  | 12            | Medium Branch   |
| 3    | $150,000 | 18            | Large Branch    |
| 4    | $400,000 | 25            | Premium Branch  |
| 5    | $800,000 | 35            | Flagship Branch |

***

#### Loan Portfolio

Increases the total outstanding loan value the bank can hold.

| Tier | Cost       | Max Loan Book | Label                 |
| ---- | ---------- | ------------- | --------------------- |
| 1    | $75,000    | $500,000      | Starter Portfolio     |
| 2    | $200,000   | $1,000,000    | Growing Portfolio     |
| 3    | $450,000   | $2,500,000    | Established Portfolio |
| 4    | $800,000   | $5,000,000    | Premium Portfolio     |
| 5    | $1,500,000 | $10,000,000   | Elite Portfolio       |

***

### Operational Modes

The branch mode controls which services are available. It can be set manually via `/bankmode` or detected automatically.

| Mode             | Description                                            |
| ---------------- | ------------------------------------------------------ |
| `automated`      | All services available, no staff needed                |
| `hybrid`         | All services available, at least 1 staff member online |
| `staff_required` | Full service requires staff presence                   |
| `offline`        | Only account inquiries work; all transactions disabled |

**Auto-detection** (`Config.OperationalModes.AutoDetectEnabled = true`) switches modes based on online staff count:

| Staff Online | Auto-Mode        |
| ------------ | ---------------- |
| 0            | `automated`      |
| 1–2          | `hybrid`         |
| 3+           | `staff_required` |

In `hybrid` or `staff_required` modes with staff present, the branch gets a 10% fee reduction and 20% faster processing.

***

### Reputation System

See Configuration § Reputation System for the full tier table and event point values.

* New banks start at **500** (Good tier).
* Passive recovery: +1 point per hour while open.
* If reputation drops below **200**, customers may stop visiting.
* NPC customer spawn rate is multiplied by the tier multiplier (0.3× at Poor → 1.6× at Elite).
* Revenue from NPC transactions is also scaled by the reputation multiplier.