For a long time, money in KRP meant cash in your pocket: Easy to lose, easy to steal, and impossible to scale. Today that changes. The Die Old ATM network has been completely rebuilt from the ground up, introducing a real banking infrastructure: Multiple account types, player-to-player transfers, shared business accounts with access control, and a full credit and loan system. Here is everything that is new.
The Main Menu
(see image above)
Every interaction starts here. The ATM's main panel reflects your currently active account in the top-right corner ([ Checking ] by default) and gives you quick access to everything the bank offers. Eight options, clearly laid out: Withdrawal, Deposit, Transfer, Balance, History, Accounts, Loans, and Exit.
Multiple Account Types
The Accounts screen is where you manage the foundation of your finances. Every player starts with a Checking account (your everyday spending account, shown as [Active]) but two more are available:
- Savings -> Earn 15% APR, compounding daily. The next interest payout and running yield are shown in-line so you always know what is coming. Opening a Savings account costs $500.
- Business -> A separate account for your enterprise. Hire staff, manage shared access, and keep personal and business finances distinct. Opening costs $1,000.
Your Business balance and a quick link to Manage Access sit right there on the row, so you are never more than a tap away.
Checking Your Balance
Clean and simple. Tap Balance from the main menu and see your active account's current balance front and center. Switching accounts first via the Accounts panel lets you check Savings or Business balances the same way.
Making a Deposit
To deposit, drag your cash bills into the money receiving unit next to the PIN panel, then hit Deposit. The ATM reads whatever you have loaded in and credits it to your active account instantly.
Withdrawing Cash
Use the keypad to enter any amount up to your available balance, shown at the top of the screen. Hit Withdraw and the ATM generates the bills into the world. The amount field colour codes in real time: Green when the amount is valid, red when it exceeds what you have.
Transaction History
Every credit and debit is logged. The History screen shows a full chronological list of transactions on your active account, with timestamps and amounts, so you can track exactly where your money has gone (or prove to someone that you paid them).
Transferring to Another Player
Need to pay someone who is not physically present? The Transfer panel lets you send funds directly to any player by username. Type in the recipient, enter your amount on the keypad, and confirm. The transfer posts immediately to their account and logs to your history.
Business Access Control
Business accounts can be shared with other players at three distinct permission levels:
| Level | What it allows |
|---|---|
| View Only | See balance and history |
| Deposit | Add funds only |
| Full Access | Deposit and withdraw |
The right-hand column shows who is currently selected, their username, and their assigned permission level. Cycle through Perm: buttons to change access on the fly, or use Remove User to revoke it entirely. Business owners stay in full control of who touches their money and how.
Shared Business Accounts
If you have been granted access to someone else's business account, it shows up here under Shared Business Accounts. Tap the entry to activate it for your session -- the business name, owner, and your permission level are all displayed. Once active, you can withdraw, deposit, or check history depending on what you have been granted, exactly as if it were your own account.
Loans and Credit
The final -and most consequential- addition is the full loan system. Here is how it works:
- Loans carry 36% APR, billed daily
- Funds are deposited directly into your active account (Checking or Business)
- Repayments are made through the same panel using the keypad
- Missing three payments triggers account seizure and a CCDE warrant
What does 36% APR actually cost?
Below is what daily interest looks like on common loan amounts. These are the charges billed each in-game day (since we're using a real time mod that would be a real 24 hours) if you carry the full balance:
| Loan Amount | Daily Interest | 30-Day Interest (if unpaid) |
|---|---|---|
| $1,000 | ~$0.99 | ~$29.70 |
| $2,000 | ~$1.97 | ~$59.40 |
| $3,500 | ~$3.45 | ~$103.95 |
| $5,000 | ~$4.93 | ~$147.95 |
The faster you repay the principal, the less you pay overall. A $1,000 loan paid back in full within a week costs roughly $6.90 in interest. Letting it sit for a month costs ~$30.00 on top.
The Credit Tier System
Responsible borrowing pays off. Every dollar of interest you pay is tracked as lifetime interest paid, and crossing each threshold permanently unlocks a higher borrowing ceiling:
| Interest Paid (Lifetime) | Max Loan Unlocked |
|---|---|
| $0 | $1,000 |
| $15 | $2,000 |
| $45 | $3,500 |
| $120 | $5,000 |
At the base tier ($1,000 max), a single loan held for about 15 days generates enough interest (~$14.85) to nearly unlock the $2,000 tier. Pay it off, take another, and you climb faster. Progress carries across all loans permanently, every dollar of interest you have ever paid counts.
Savings: Putting Your Money to Work
The Savings account earns 15% APR compounding daily, meaning interest earned yesterday starts earning interest today.
What does 15% APR actually earn?
| Balance | Daily Yield | Monthly Yield (30 days) | Yearly Yield |
|---|---|---|---|
| $500 | ~$0.21 | ~$6.21 | ~$80.92 |
| $1,000 | ~$0.41 | ~$12.45 | ~$161.83 |
| $5,000 | ~$2.05 | ~$62.28 | ~$809.16 |
| $10,000 | ~$4.11 | ~$124.57 | ~$1,618.31 |
A player who deposits their $2,000 starting balance into Savings earns roughly $323.65 over a year without lifting a finger. That compounds -- meaning at month 6 you are already earning interest on top of interest earned in months 1-5.
Now keep in mind these are just default values and will more than likely be adjusted.
Savings vs. Loan interest at a glance: A $2,000 Savings balance earns ~$0.82/day. A $2,000 loan costs ~$1.97/day. The bank always charges more than it pays, which is how the economy stays functional- But smart players can offset loan interest by keeping other capital in Savings while a business loan does work for them.
What This Means for KRP
This is not just a convenience feature. A working banking infrastructure changes the shape of the economy:
- Businesses can manage payroll and operating funds separately from personal wealth
- Loans create real risk and reward: Capital to invest, debt to manage
- Shared accounts enable genuine employer/employee financial relationships
- Savings give players a reason to keep money in the bank rather than on their person
- History logs create accountability... And evidence
Find a terminal, open your account, and start building something.