Features Overview

A comprehensive guide to all features in Oxide Banking by Oxide Studios.

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Table of Contents

1. Account System
2. Account Tiers
3. Banking Operations
4. Loan System
5. Credit Score System
6. Investments & CDs
7. Business Banking
8. Security Features
9. Card Management
10. Recurring Payments

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Account System

Account Types

Oxide Banking supports five account types:

Type	Description	Multiple Allowed	Interest
Checking	Primary personal account	No	Base tier rate
Savings	Higher interest, limited withdrawals	Yes (up to 3)	2x tier rate
Shared	Multi-user access account	Yes (tier-limited)	0.5x tier rate
Job	Business/faction treasury	One per job	0.25x tier rate
Gang	Organization treasury	One per gang	0.25x tier rate

Checking Account

• Every player has one primary checking account
• Linked to their player bank balance
• All basic transactions available
• Interest earned based on account tier

Savings Accounts

• Higher interest rates (2x the tier rate)
• Players can create up to 3 savings accounts
• Minimum balance of $1,000 required
• 1% early withdrawal penalty

Shared Accounts

• Multiple players can access the same account
• Account owner can add/remove users
• Number of shared accounts limited by tier:
  • Basic: 1 shared account
  • Premium: 3 shared accounts
  • Business: 10 shared accounts

Job/Gang Accounts

• Accessible by all job/gang members
• Acts as a faction treasury
• All members can view balance (read-only)
• Only bosses can withdraw and transfer
• Lower interest rate (0.25x) for balance

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Account Tiers

Tier Comparison

Feature	Basic	Premium	Business
Monthly Fee	Free	$50	$200
Interest Rate	0.5%	2.0%	1.5%
Daily Withdraw	$5,000	$25,000	$100,000
Daily Transfer	$25,000	$100,000	$500,000
Shared Accounts	1	3	10
Savings Accounts	-	Yes	Yes
Investments	-	-	Yes
Overdraft	-	$5,000	$25,000
No ATM Fees	-	Yes	Yes
Invoicing	-	-	Yes
Expense Tracking	-	-	Yes

Upgrading Tiers

Players can upgrade their account tier if they meet requirements:

Premium Requirements:

• Minimum balance: $5,000
• Credit score: 600+ (Fair)

Business Requirements:

• Minimum balance: $10,000
• Credit score: 700+ (Good)
• Must be a job boss

Tier Benefits

Basic (Free)

• Standard checking account
• Basic transaction limits
• 0.5% interest on balances

Premium ($50/month)

• Higher interest rates (2.0%)
• Access to savings accounts
• Overdraft protection up to $5,000
• No ATM fees
• Higher daily limits
• Priority support

Business ($200/month)

• All Premium features
• Access to investments
• Business invoicing
• Expense tracking & reports
• $25,000 overdraft limit
• Highest transaction limits

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Banking Operations

Deposits

• Deposit cash into any account
• Available at banks and ATMs
• Daily deposit limits at ATMs
• Instant balance updates

Withdrawals

• Withdraw cash from accounts
• ATM withdrawals require a bank card with PIN
• Daily withdrawal limits based on tier
• Overdraft protection (Premium/Business)

Transfers

Internal Transfers:

• Move money between your own accounts
• Free, instant transfers
• No daily limits for internal transfers

External Transfers:

• Send money to other players
• Subject to daily transfer limits
• Optional transaction notes
• Recipient receives notification

Wire Transfers:

• Domestic: $15 fee
• International: $50 fee (RP flavor)
• Business tier: Domestic wires free

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Loan System

Available Loan Products

Loan Type	Amount	Rate	Term	Min Credit
Personal	$1K-$50K	8%	7-28 days	500
Vehicle	$5K-$250K	6%	14-56 days	580
Property	$50K-$1M	4.5%	56-168 days	650
Business	$25K-$500K	7%	28-84 days	680
Emergency	$500-$10K	15%	3-7 days	400

How Loans Work

1. Application: Player applies for a loan
2. Credit Check: System checks credit score and eligibility
3. Rate Calculation: Interest rate based on credit score
4. Approval: Instant or manual approval based on amount
5. Disbursement: Funds deposited to checking account
6. Payments: Automatic payments every 7 in-game days

Credit Score Impact on Rates

Credit Rating	Score Range	Rate Modifier
Excellent	800+	-2.0%
Very Good	740-799	-1.5%
Good	670-739	-1.0%
Fair	580-669	Base rate
Poor	500-579	+2.0%
Very Poor	Below 500	+5.0%

Late Payments & Collections

• Grace Period: 1 in-game day after due date
• Late Fee: $50 flat + 5% of payment (max $500)
• Credit Impact: -25 points per late payment
• Collections: After 3 missed payments
• Wage Garnishment: 25% of income garnished
• Asset Seizure: Collateral seized for secured loans

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Credit Score System

How Credit Scores Work

Oxide Banking uses a FICO-like credit scoring system:

Score Range	Rating	Description
800-850	Excellent	Best rates, all loans available
740-799	Very Good	Great rates, most loans available
670-739	Good	Good rates, standard terms
580-669	Fair	Higher rates, some restrictions
500-579	Poor	Limited options, high rates
300-499	Very Poor	Emergency loans only

Credit Score Factors

Factor	Weight	Description
Payment History	35%	On-time loan payments
Credit Utilization	30%	How much credit you're using
Account Age	15%	How long you've had accounts
Account Mix	10%	Variety of account types
Hard Inquiries	10%	Recent loan applications

Improving Your Credit Score

• Make loan payments on time
• Keep credit utilization low
• Maintain accounts over time
• Avoid too many loan applications
• Pay off loans early (bonus points)

Credit Score Events

Event	Score Impact
On-time payment	+5 to +15
Late payment	-25
Missed payment	-50
Loan paid off	+20 to +50
Entering collections	-100
New loan (hard inquiry)	-5 to -10

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Investments & CDs

Investment Products

Available to Business tier accounts:

Product	Risk	Term	Expected Return
Savings Bond	None	28 days	4% guaranteed
Stock Index	Medium	14 days	8% (+/- 15%)
Crypto Fund	High	7 days	15% (+/- 40%)
Real Estate	Low	56 days	6% (+/- 5%)

How Investments Work

1. Choose an investment product
2. Invest between min/max amounts
3. Wait for the term to complete
4. Collect returns at maturity

Early Withdrawal:

• You can withdraw early
• Penalty: Lose 50% of earnings
• Principal is always returned

Market Simulation

The market updates daily with:

• Trends: Last 3-7 days
• Boom chance: 5% (15-30% bonus gains)
• Crash chance: 2% (20-40% losses)

Certificates of Deposit (CDs)

Lower risk alternative to investments:

CD Type	Term	Interest	Min Deposit
7-Day	7 days	2.5%	$5,000
14-Day	14 days	3.5%	$10,000
28-Day	28 days	5.0%	$25,000

CD Features:

• Guaranteed returns
• No market risk
• Early withdrawal penalties apply
• Available to Premium and Business tiers

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Business Banking

Available to Business tier accounts only.

Expense Tracking

Track business expenses by category:

• Supplies
• Utilities
• Vehicle
• Property
• Legal
• Marketing
• Other

Invoicing

Create and send invoices to other players:

1. Create invoice with amount and description
2. Set due date (default: 7 days)
3. Recipient receives notification
4. Payment made through banking UI
5. Late fees automatically applied if overdue

Late Fees:

• 5% of invoice amount
• Applied after due date
• Maximum fee: $10,000

Financial Reports

Three report types available:

Income Statement:

• Revenue vs expenses
• Profit/loss calculation
• Category breakdown

Balance Report:

• Current account balances
• Assets overview
• Liability summary

Cash Flow Report:

• Money in vs money out
• Trend analysis
• Period comparison

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Security Features

Two-Factor Authentication (2FA)

• Enable 2FA for extra security
• Required for transactions over $50,000
• Backup codes provided
• Can be enabled/disabled in settings

Fraud Detection

Automatic monitoring for:

• Unusually large transactions
• Rapid successive transactions
• Suspicious patterns
• Flagged for admin review

Account Freezing

Self-Freeze:

• Players can freeze their own account
• Prevents all transactions
• Can unfreeze anytime

Admin Freeze:

• Admins can freeze suspicious accounts
• Player notified of freeze
• Requires admin to unfreeze

Transaction Alerts

Notifications for:

• Transactions over $10,000
• Login from new device (license-based tracking)
• Failed PIN attempts
• Account changes

PIN Protection

• 4-digit PIN for ATM access
• SHA256 hashed storage
• Lockout after 3 failed attempts
• 5-minute lockout duration

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Card Management

Bank Cards

Each account can have multiple bank cards:

Account Type	Max Cards
Checking	3
Savings	2
Shared	3
Job	2
Gang	2

Card Features

Order New Card:

• Cost: $50
• Instant delivery
• Set custom PIN

Card Operations:

• Freeze/Unfreeze card
• Change PIN
• Cancel card
• Order replacement ($100)

Using Cards

1. Player needs bank_card item in inventory
2. Approach ATM
3. Select card (if multiple)
4. Enter PIN
5. Access ATM functions

Card Security

• PIN required for all ATM transactions
• Cards can be frozen without cancellation
• Daily usage limits tracked per card
• Lost cards can be replaced with new PIN

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Recurring Payments

Setting Up Recurring Payments

Create automatic transfers that run on schedule:

1. Choose source account
2. Enter recipient details
3. Set amount
4. Choose frequency:
   • Daily
   • Weekly
   • Bi-weekly
   • Monthly
5. Add description (optional)

Managing Recurring Payments

• View all active recurring payments
• Enable/disable individual payments
• Modify payment details
• Cancel payments entirely

Processing

• Payments processed automatically
• Runs during daily scheduler check
• Fails gracefully if insufficient funds
• Player notified of failures

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Additional Features

Interest Payments

• Interest calculated daily at midnight (in-game time)
• Compound interest method
• Minimum balance: $100 to earn interest
• Maximum payout: $10,000 per cycle (anti-exploit)

In-Game Time System

• Uses qb-weathersync for time tracking
• 28 in-game days = 1 year for calculations
• All time-based features sync to in-game time
• Falls back to real time if weathersync unavailable

qb-banking Compatibility

• Full backwards compatibility with qb-banking
• All original exports work
• All original callbacks work
• Seamless migration from existing qb-banking

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Oxide Banking by Oxide Studios