SyBank - Minecraft Banking System Plugin

A fully-featured Minecraft banking plugin supporting deposits, withdrawals, loans, and more.

Author

Shiyuan

Features

• 💰 Bank Account - Players can deposit in-game currency to earn interest
• 💸 Loan System - Support for loan applications with customizable interest rates and terms
• 🖥️ GUI Interface - Beautiful graphical user interface
• 📊 Interest Calculation - Monthly interest calculation for both deposits and loans
• ⏰ Overdue Penalties - Slowness effect penalties for overdue loans
• 🔐 Permission Management - Comprehensive permission system

Commands

Command	Description	Permission
/sbk	Open bank GUI	sybank.use
/sbk open	Open bank GUI	sybank.use
/sbk save <amount>	Deposit to bank	sybank.use
/sbk wd <amount>	Withdraw from bank	sybank.use
/sbk loan <amount> [months]	Apply for a loan	sybank.loan
/sbk rp <amount>	Repay loan	sybank.use
/sbk rpall	Repay entire loan with cash	sybank.use
/sbk confirm	Confirm loan application	sybank.loan
/sbk cancel	Cancel loan application	sybank.loan
/sbk reload	Reload plugin configuration	sybank.admin
/sbk op <player>	View player's loan information	sybank.admin

Permissions

• sybank.use - Allow basic banking functions (default: everyone)
• sybank.loan - Allow loan applications (default: everyone)
• sybank.admin - Allow administrative functions (default: OP)

Installation

1. Download the SyBank-1.0.0.jar file
2. Place the JAR file in your server's plugins folder
3. Restart the server or load the plugin
4. Edit plugins/SyBank/config.yml to configure

Dependencies

• Vault - Economy system support (Required)
• Any Economy Plugin - Such as EssentialsX, PlayerPoints, etc. (Supported through Vault)

Configuration

config.yml

# Bank Settings
bank:
  # Default deposit interest rate (% per month)
  interest-rate: 2.0
  
  # Default loan interest rate (% per month)
  loan-interest-rate: 2.5
  
  # Default loan duration (months)
  loan-default-duration: 1
  
  # Maximum loan duration (months)
  loan-max-duration: 3
  
  # Maximum loan amount
  loan-max-amount: 100000
  
  # Allow multiple loans simultaneously
  allow-multiple-loans: false

Overdue Settings

overdue:

Grace period after overdue (months)

grace-period: 1

Enable slowness effect penalty

enable-slow-effect: true

Slowness effect time period (24-hour format)

slow-effect: # Start time (hour:minute) start-time: "17:00" # End time (hour:minute) end-time: "10:00" # Slowness level (1-4) level: 2

GUI Settings

gui:

GUI title

title: "&6&lSyBank Banking System"

GUI size (must be a multiple of 9)

size: 27

Reminder Settings

reminder:

Remind players of loan repayment on login

enabled: true

Reminder message format

message: "&c&l[Loan Reminder] &eYou have an outstanding loan of &6{amount} &ecoins, please repay soon!"

Show quick repay button

show-repay-button: true

Quick repay button text

repay-button-text: "&a[Click to repay with balance]"

### messages.yml

All plugin messages can be customized in `messages.yml`.

## Loan System

### Applying for a Loan

1. Use `/sbk loan <amount> [months]` to apply for a loan
2. The system will display loan details (principal, interest, total amount due)
3. Click the **"Confirm Application"** button or type `/sbk confirm` to confirm
4. Click the **"Cancel Application"** button or type `/sbk cancel` to cancel

### Repayment Methods

- **Partial Repayment**: `/sbk rp <amount>` - Repay a specified amount with cash
- **Full Repayment**: `/sbk rpall` - Repay the entire loan with cash at once
- **Balance Repayment**: Click the repay button in the GUI to use bank account balance

### Interest Calculation

- Loan interest is calculated based on actual months borrowed
- Minimum interest period is **1 month**
- Early repayment does not incur interest for remaining months
- Monthly interest = Principal × Monthly interest rate

### Overdue Penalties

- After the loan due date, a **grace period** begins (default 1 month)
- No additional penalties during the grace period
- After the grace period ends, **slowness effect** penalty applies daily from **17:00-10:00**

## Notes

1. Loan duration cannot exceed the maximum duration in configuration (default 3 months)
2. If multiple loans are not allowed, current loan must be repaid before applying for a new one
3. Deposit and withdrawal operations require the player to be online
4. Plugin data is stored in the `plugins/SyBank/data/` directory

## Changelog

### v1.0.0
- ✨ Initial release
- 💰 Bank deposit and withdrawal functions
- 💸 Loan system
- 🖥️ GUI interface
- 📊 Interest calculation
- ⏰ Overdue penalties

## Support & Feedback

For issues or suggestions, please contact the author **Shiyuan**.

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**License**: MIT License