🎉 Vault Economy v2.1.0 — Quick Summary

BIGGEST Vault 2 release to date: 11 BRAND-NEW systems + 6 commands + 16 permission nodes + 20 critical bugfixes + 2 official documentation wikis deployed.

⭐ Headline features:

• 🏦 FULL BANKING SYSTEM with clickable GUI, Quick-Pick buttons & master toggles bank.interest/tax.enabled in config
• 💳 Player Loans with auto installments + DEFAULTED debuff effects (SLOW / Mining Fatigue) when players miss payments
• 💵 HMAC Anti-Dupe Physical Banknotes — withdraw items from your balance, fully i18n label validated across 11 languages
• 🧾 Transaction History (YAML or MySQL backends) · 🏆 Async cached Baltop / Top Players
• 💱 Multi-Currency · 🗺️ Per-World Balances · 🚚 EssentialsX Migration Importer
• 🔔 Discord Webhook Notifications · 📜 24 brand-new PlaceholderAPI expansions · +20 fixes

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✨ Full Changelog · 11 NEW SYSTEMS

#	New Module	Key config / Commands	What it does
1	🏦 Complete Banking (9 sub-modules)	/vault bank [menu/bal/dep/wd/top] · bank.interest.enabled · bank.tax.enabled	Deposit/withdraw GUI with dynamic Quick Picks. Master-switch true/false disables scheduler completely (saves CPU). Progressive compound interest + threshold-based tax.
2	💳 Player Loans System	/vault loan [request/pay/status] · loans.max_installments: 60	1–60 installment loans stored in YAML. Auto-collect scheduler. Debuff effects apply automatically when loan is DEFAULTED (3 missed charges): SLOW I & SLOW_DIGGING (Fatigue) I.
3	💸 Charge Requests (Pending Pay)	/pay <player> menu · pay_pending.max_on_join: 5 · pay_limits.min/max	27-slot player Pay GUI → Charge sub-menu. Up to 5 pending charge requests delivered on each player login. Pay min/max amount limits with bypass permissions vault.pay.bypass_min / bypass_max.
4	💵 HMAC Physical Notes Anti-Dupe	/vault withdraw <amount>	PDC runtime reflections (1.14+) · HMAC lore fallback (legacy 1.8–1.13). Label validation i18n ready (100+ per-language keywords). Auto-detect EU/US decimal separators. Verbose error feedback (fake / expired / already-redeemed / not-owned — no more silent fails).
5	🧾 Transaction History GUI · 2 backends	/vault history [page]	FileTxDAO (YAML per-player) or MySqlTxDAO (SQL transactions table). 3-second Anti-Dupe Race-Condition window. Separate daily JSON audit log writer.
6	🏆 Async Top-Players / Baltop Cache	/vault top [page] [currency] · /vaultop [page] · /eco top [page] · top.refresh_seconds: 300	Background async recomputation, 5-min default cache. Manual invalidation on admin change_threshold: 0.
7	💱 Multi-Currency (Currencies)	currencies.default / gems blocks in config	Default + secondary currencies (💎 gems example). Per-currency symbol/position/locale/abbreviate overrides. Legacy Vault Net.Milkbowl API always exposes default for 100% ShopGUIPlus / ChestShop compatibility.
8	🗺️ Per-World Separate Balances	world_balances.separate_worlds: [world_nether, minas]	100% isolated balances per configured world. Global merged balance kept for legacy plugins (unchanged).
9	🚚 EssentialsX Importer / Migration	import.essentials.enabled: true · replace: false	One-shot EssentialsX balances migration. replace=false → fills only missing accounts. Optional force-save to YAML even when MySQL is the primary backend.
10	🔔 Discord Webhook Notifications	discord.webhook_url · discord.threshold_amount: 100000	Embedded alerts when a single transaction exceeds threshold amount, plus critical anti-dupe / error events.
11	📜 PlaceholderAPI Full (24 expansions)	%vault_balance_formatted% · %vault_eco_balance_short% · %vault_top% · %vault_ecobalance<0-8>dp%	Abbreviated k/M/B/T placeholders, per-rank top player output, custom decimal precision, per-player cross-queries.

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