The bank system of Blackmoor collects taxes and also can hold money for residents of Blackmoor.
A character can also take out a loan of up to 100 gp.
A loan of up to 5,000 gp can also be taken out, but will require a loot item as a collateral. This loot item still counts as being part of the character, but is unusable until the loan is paid off.
All loans have a monthly interest of (16 – character level, min 1)%. This begins to accrues immediately after taking out the loan. The character level is from when the loan was taken out.
Frost Born – 4,100 gp