NOTE: I generated ONLY this description with AI and I'm open for your ideas!

💰 MyEconomy

A feature-rich economy plugin for Paper Minecraft 1.20.x–1.21.x servers

MyEconomy gives your server a complete economy system out of the box — wallet, bank accounts, physical banknotes, passive income, PvP money stealing, and full Vault integration. Every feature is toggleable, every message is customizable, and other plugins can hook into it seamlessly.

✨ Key Features

💵 Core Economy

• Wallet balance with configurable starting amount and currency
• Optional negative balance support
• SQLite database — no external setup required
• Full Vault provider — other plugins read and write balances through the standard API

🏦 Bank System

• Separate savings account per player (/bank)
• Deposit from wallet, withdraw to wallet, transfer to other players' banks
• Configurable max balance and transfer tax
• Can be disabled entirely in config

📄 Physical Banknotes (Withdraw)

• /withdraw creates a real item — right-click to deposit back
• Stack of banknotes? Right-click deposits the entire stack at once
• Configurable item material — vanilla (PAPER, GOLD_INGOT) or custom plugins:
  • Oraxen → oraxen:banknote
  • ItemsAdder → itemsadder:custom_paper
  • Nexo → nexo:money_note
• Custom model data support for resource packs
• Fully customizable name and lore with {amount}, {player}, {date} placeholders
• Can be disabled entirely in config

📈 Passive Income (3 Systems)

• Interest — percentage of wallet balance earned at configurable intervals (online only)
• Playtime Rewards — multi-tier system with per-permission rates (VIP+, VIP, default, or any custom tiers you define)
• Offline Growth — compound interest calculated on login based on time away (configurable interval, max hours, growth cap)

⚔️ PvP Money

• Killer steals a configurable percentage of victim's balance on kill
• Min/max steal limits per kill
• Option for victim to not lose money (killer gets it from thin air)
• Both players see ActionBar feedback instantly

🔔 Smart Notifications

• ActionBar popups — every gain/loss shows +$1.23 or -$20.00 on the action bar
• Offline queue — transfers, bank deposits, and events while offline are stored in the database and shown on login
• Configurable duration, formats, and max queued messages

💳 Payments with Tax

• /pay supports optional tax percentage
• Configurable min/max payment amounts
• Self-pay prevention (toggleable)

🏆 Leaderboard

• /balancetop shows top richest players with formatted display
• Your own entry is highlighted
• Your personal rank shown at the bottom
• Configurable entry count and cache interval

🧩 Integrations

• Vault — full economy provider with deposit/withdraw/getBalance/has/createAccount
• PlaceholderAPI — 12+ placeholders including leaderboard positions
• Transaction logging — every action logged to file with timestamps

♻️ Live Reload & Translations

• /myeconomy reload applies changes without a restart
• Every message lives in lang.yml — fully translatable
• Color codes and hex colors supported

📥 Installation

1. Download the latest .jar from Releases
2. Place it in your server's plugins/ folder
3. Restart the server
4. Edit plugins/MyEconomy/config.yml and plugins/MyEconomy/lang.yml
5. Run /myeconomy reload

Requirements: Paper (or fork) 1.20.x–1.21.x, Java 21.

Optional dependencies:

• Vault — allows other plugins to interact with MyEconomy
• PlaceholderAPI — adds placeholders for scoreboards, holograms, tab, etc.

🎮 Player Commands

Command	Description	Permission
/balance [player]	Check wallet balance	myeconomy.balance / .others
/balancetop	Top richest players	myeconomy.balancetop
/pay <player> <amount>	Send money to a player	myeconomy.pay
/withdraw <amount>	Create a physical banknote	myeconomy.withdraw
/bank	View bank balance	myeconomy.bank
/bank deposit <amount>	Wallet → Bank	myeconomy.bank
/bank withdraw <amount>	Bank → Wallet	myeconomy.bank
/bank transfer <player> <amount>	Your bank → Player's bank	myeconomy.bank.transfer

Aliases: /bal for /balance, /baltop for /balancetop

🔧 Admin Commands

Command	Description	Permission
/myeconomy set <player> <amount>	Set player's wallet balance	myeconomy.admin
/myeconomy change <player> <value>	Add or remove from balance	myeconomy.admin
/myeconomy reload	Reload config and lang files	myeconomy.admin

The change command accepts positive and negative values (e.g. /myeconomy change Steve -500).

🔐 Permissions

Permission	Default	Description
myeconomy.balance	true	Check own balance
myeconomy.balance.others	true	Check other players' balance
myeconomy.balancetop	true	View leaderboard
myeconomy.pay	true	Pay other players
myeconomy.withdraw	true	Create banknotes
myeconomy.bank	true	Use bank system
myeconomy.bank.transfer	true	Transfer between bank accounts
myeconomy.playtime.vip	—	VIP playtime reward tier
myeconomy.playtime.vipplus	—	VIP+ playtime reward tier
myeconomy.admin	op	Admin commands (set, change, reload)

Example: LuckPerms

/lp group vip permission set myeconomy.playtime.vip true
/lp group vip-plus permission set myeconomy.playtime.vipplus true
/lp group admin permission set myeconomy.admin true

🧩 PlaceholderAPI

Requires PlaceholderAPI.

Player Placeholders

Placeholder	Description
%myeconomy_balance%	Formatted wallet balance (e.g. $1,234.56)
%myeconomy_balance_raw%	Raw wallet balance number (e.g. 1234.56)
%myeconomy_balance_formatted%	Balance without currency symbol (e.g. 1,234.56)
%myeconomy_bank_balance%	Formatted bank balance
%myeconomy_bank_balance_raw%	Raw bank balance number
%myeconomy_total_balance%	Wallet + Bank combined
%myeconomy_rank%	Player's wealth rank
%myeconomy_currency%	Currency name (singular/plural)
%myeconomy_currency_symbol%	Currency symbol (e.g. $)

Leaderboard Placeholders

Placeholder	Description
%myeconomy_top_name_<N>%	Name of player at rank N
%myeconomy_top_balance_<N>%	Formatted balance at rank N
%myeconomy_top_balance_raw_<N>%	Raw balance at rank N

Replace <N> with any number (e.g. %myeconomy_top_name_1% for the richest player). Cached with 30-second TTL.

⚙️ Configuration

MyEconomy uses focused config files:

File	Purpose
config.yml	All plugin settings (economy, bank, interest, PvP, etc.)
lang.yml	Every player-facing message (translatable)
economy.db	SQLite database (auto-generated)
transactions.log	Transaction history (auto-generated)

💵 Currency Settings

starting-balance: 100.0
allow-negative-balance: false

currency:
  name-singular: "Dollar"
  name-plural: "Dollars"
  symbol: "$"
  format: "#,##0.00"

🏦 Bank System

bank:
  enabled: true
  starting-balance: 0.0
  minimum: 1.0
  max-balance: 0.0             # 0 = unlimited
  transfer-tax-percent: 0.0    # tax on bank-to-bank transfers

📈 Interest (Online)

interest:
  enabled: true
  rate-percent: 0.5
  interval-minutes: 60
  max-balance-for-interest: 100000.0
  min-balance-for-interest: 100.0

🌙 Offline Growth

Compound interest calculated when a player logs in, based on how long they were offline.

offline-growth:
  enabled: true
  interval-minutes: 60      # growth applied per this interval
  rate-percent: 0.3          # percent per interval
  max-hours: 12              # max offline time counted
  max-growth: 5000.0         # cap per session (0 = no cap)
  min-balance: 50.0          # minimum balance to qualify

A player offline for 6 hours with $10,000 and 0.3% per hour earns compound growth over 6 intervals.

🎮 Playtime Reward Tiers

Tiers are checked top-to-bottom. Each player receives one reward — the best tier they have permission for.

playtime-rewards:
  enabled: true
  interval-minutes: 15
  tiers:
    vip-plus:
      permission: "myeconomy.playtime.vipplus"
      type: "percent"        # "percent" or "flat"
      amount: 2.0
      min-balance: 0.0
      max-reward: 2000.0
    vip:
      permission: "myeconomy.playtime.vip"
      type: "percent"
      amount: 1.0
      min-balance: 0.0
      max-reward: 1000.0
    default:
      permission: "default"  # applies to everyone
      type: "percent"
      amount: 0.5
      min-balance: 0.0
      max-reward: 500.0

Add as many tiers as you need — just give each a unique key and permission node.

⚔️ PvP Money

pvp-money:
  enabled: true
  steal-percent: 5.0
  minimum: 1.0          # victim must have at least this much
  maximum: 1000.0       # max stolen per kill (0 = no cap)
  victim-loses: true     # false = killer gets money from thin air

📄 Banknote Item

Supports vanilla materials and custom items from other plugins:

withdraw:
  enabled: true
  minimum: 1.0
  maximum: 1000000.0
  item-material: "PAPER"                    # vanilla material
  # item-material: "oraxen:banknote"        # Oraxen
  # item-material: "itemsadder:custom_paper" # ItemsAdder
  # item-material: "nexo:money_note"        # Nexo
  custom-model-data: 0                      # for resource packs
  item-name: "&a&lBanknote &7- &f{amount}"
  item-lore:
    - ""
    - "&7Value: &a{amount} {currency}"
    - "&7Created by: &f{player}"
    - "&7Date: &f{date}"
    - ""
    - "&e&lRight-click &7to deposit"

🔔 Notifications

notifications:
  actionbar:
    enabled: true
    duration-ticks: 60                # 60 ticks = 3 seconds
    gain-format: "&a+{amount}"
    loss-format: "&c-{amount}"
  offline-queue:
    enabled: true
    max-messages: 20

💳 Pay Settings

pay:
  minimum: 1.0
  maximum: 1000000.0
  tax-percent: 0.0       # tax on /pay transfers
  allow-self-pay: false

📝 Transaction Logging

logging:
  enabled: true
  file: "transactions.log"
  log-pay: true
  log-withdraw: true
  log-deposit: true
  log-admin-changes: true
  log-interest: false
  log-playtime-rewards: false
  log-bank: true
  log-pvp: true
  log-offline-growth: true

Log format: [2026-07-07 15:30:45] [PAY] Steve -> Alex | Amount: 500.00

📊 Use Cases

Basic Server Economy

# config.yml — just wallet + pay, everything else off
starting-balance: 500.0
bank:
  enabled: false
withdraw:
  enabled: false
interest:
  enabled: false
offline-growth:
  enabled: false
playtime-rewards:
  enabled: false
pvp-money:
  enabled: false

Survival with PvP Risk

pvp-money:
  enabled: true
  steal-percent: 10.0
  maximum: 5000.0
  victim-loses: true

bank:
  enabled: true          # players can protect money in the bank

Players keep money safe in the bank — only wallet balance is at risk in PvP.

VIP Rewards Server

playtime-rewards:
  enabled: true
  interval-minutes: 10
  tiers:
    mvp:
      permission: "myeconomy.playtime.mvp"
      type: "flat"
      amount: 50.0
      max-reward: 0.0
    vip:
      permission: "myeconomy.playtime.vip"
      type: "flat"
      amount: 25.0
      max-reward: 0.0
    default:
      permission: "default"
      type: "flat"
      amount: 10.0
      max-reward: 0.0

offline-growth:
  enabled: true
  rate-percent: 0.5
  max-hours: 8

MVPs earn $50 every 10 minutes, VIPs earn $25, everyone else $10. All players earn offline growth up to 8 hours.

🔌 Vault Integration

MyEconomy registers as a full Vault economy provider. Other plugins can:

// Get MyEconomy through Vault — standard API
Economy economy = getServer().getServicesManager().getRegistration(Economy.class).getProvider();

economy.getBalance(player);              // read balance
economy.depositPlayer(player, 100.0);    // add money
economy.withdrawPlayer(player, 50.0);    // remove money
economy.has(player, 200.0);              // check if player can afford
economy.format(1234.56);                 // "$1,234.56"

Set vault-integration: false in config to disable — MyEconomy will still work standalone with its SQLite database.

🐛 Troubleshooting

Plugin won't load

Check:

1. Are you using Paper 1.20.x–1.21.x? (/version)
2. Is the JAR in the plugins/ folder?
3. Do you have Java 21? (java -version)

Vault says no economy found

Check:

1. Is Vault installed and loaded? (Check console for [Vault])
2. Is vault-integration: true in config?
3. MyEconomy must load after Vault — it's handled automatically via softdepend

Balance not saving

Check:

1. The economy.db file exists in plugins/MyEconomy/
2. The server has write permissions to that folder
3. Check console for SQLite errors

Playtime rewards not working

Check:

1. playtime-rewards.enabled: true
2. Tiers are defined under playtime-rewards.tiers
3. Player has the correct permission for their tier (or tier uses permission: "default")
4. interval-minutes has passed since server start

Banknote right-click does nothing

Check:

1. The item has the MyEconomy NBT tag — only banknotes created by /withdraw work
2. Renaming or modifying the item in an anvil doesn't remove the tag
3. Custom item material is valid and the plugin (Oraxen/ItemsAdder) is loaded

Offline growth not applying

Check:

1. offline-growth.enabled: true
2. Player's balance is above min-balance
3. Player was offline for at least one full interval-minutes period
4. Growth is calculated on login, not periodically

📈 Performance

MyEconomy is lightweight and built for clean performance:

• ✅ SQLite database — no external server required
• ✅ Offline growth calculated on login, not with background tasks
• ✅ PlaceholderAPI leaderboard cached with configurable TTL
• ✅ Async-safe notification queue
• ✅ No external dependencies (Vault and PlaceholderAPI are optional soft-depends)
• ✅ Single JAR, zero configuration required to start

🔁 Version History

Future Roadmap

• MySQL / MariaDB support
• In-game GUI for bank management
• Shop system integration
• Economy statistics and graphs
• Per-world economy separation

1.0.0

• Initial release: wallet, bank accounts, banknotes (with Oraxen/ItemsAdder/Nexo support), interest, offline growth, multi-tier playtime rewards, PvP money stealing, ActionBar notifications, offline notification queue, Vault provider, PlaceholderAPI (12+ placeholders with leaderboard), transaction logging, admin commands, tab completion, full lang.yml translation support.

🔗 Links

• GitHub: https://github.com/Dominos111G/MyEconomy
• Modrinth: https://modrinth.com/project/myeconomy
• Issues: https://github.com/Dominos111G/MyEconomy/issues

📝 License

MIT License - Free to modify and distribute