Safe storage

This page is further along your path. Read ahead if you’re curious; you can return when you reach this stage.

Match the storage to the goods

Place	Holds	Cost or limit	What to know
Bank of the Empire	Gold and letters of credit	Any bank counter; letters cost 1% of their value, and the smallest letter is 100 gold	One account across all regions; carried coins weigh, account gold does not
Home	Items, a bed, a private cupboard	5000–250000 gold; three homes per character; entry Private, Party, Public or Guild	The home belongs to the account; it does not hold gold
Wagon	Goods, up to its capacity	Small Cart 750 kg, Open Wagon 1,500 kg, Caravan 2,000 kg	An item in your pack; wears with travel; a town warden can move a badly parked team
Ship hold	Cargo at sea	Depends on the hull	A wreck is not a death, but a boarded wreck gives up a prize
Profession Stores	Materials for crafting, writs and the market	The Stores law's default cap is 5,000 units a material	Separate from your pack; writs spend from Stores
Materials Bag	Raw materials	300 kg	Sold at General Stores; cannot be sold or dropped while it holds materials
Guild vault	Shared items	50 slots, plus 50 with a guild hall	Rank decides deposit or withdraw; an officer's default withdrawal limit is 10 a day

What is lost where

Event	Carried	Bank	Home	Wagon	Ship hold	Stores and bag	Guild vault
Ordinary death	One tenth of carried gold; items kept	Safe	Safe	Safe	Safe	Safe	Safe
Revenant kills you	As ordinary, plus the world-respawn check that can take a piece	Safe	Safe	Safe	Safe	Safe	Safe
PvP death in the Open Zone	Eligible carried items and cart contents can remain in shared remains	Safe	Safe	Cart contents exposed	Safe	Safe	Safe
Ship wrecked and boarded	—	Safe	—	—	About one third of the hold's worth, at most eight pieces, held for the boarder	—	—

The ordinary death rule is the one to plan around: death takes a tenth of the gold you carry, rounded down, and leaves the bank and letters of credit alone. The Open Zone and the revenant's thief are separate systems with their own rules. See Dying online, The Open Zone later and Revenants later.

The bank is for money, not goods

The bank takes gold and letters of credit; it does not store loot. Online, its account is shared across regions, so a deposit in one town is available in another. A letter of credit carries value without weight and can be deposited later, but its issue costs 1% of its value, with a 100-gold minimum. Keep only the traveling cash you are willing to lose. See Banks.

Homes, wagons and ships

A home is long-term storage with a bed and a door open at any hour. It belongs to your account, not one character, and each character may count three homes against its cap. The source does not state a single storage capacity for a home; the storage is the home's own. Entry settings decide who can follow you in, and Private is the default. See Owning a home.

A wagon is a pack item you deploy to carry goods, from a 750 kg Small Cart to a 2,000 kg Caravan. It is not a safe: it wears with road and load, and a town's wagon warden can relocate a team that blocks a road or overstays its parking allowance, with the wagon and cargo still yours at the relocation point. In the Open Zone, cart contents can be left in shared remains after PvP death. See Wagons and hauling.

A ship's hold carries cargo at sea. A ship reduced to a wreck is not a death and its captain keeps the hold through the wreck, but a wreck another captain boards gives up about one third of the hold's worth, at most eight of its most valuable pieces, held by the account service for the boarder. See Owning a ship.

Materials and the guild vault

Profession Stores are the right place for materials. Crafting draws from them, court writs spend from them and the market can list from them, all without adding pack weight. The Materials Bag is the field option: 300 kg of raw materials carried separately from normal encumbrance. See Professions, Gathering and Crafting.

A guild vault is shared storage with two limits: the shelves and your own permission. The guild gets 50 slots, plus 50 more while it holds a hall. Rank sets the default permission: a recruit and member may deposit, an officer may withdraw up to 10 items a day by default, and the guildmaster withdraws without limit; the guildmaster can grant any member a different level and limit. Before depositing anything valuable, read the current guild screen and confirm who can withdraw. See Player guilds later.

A storage routine that works

Bank the purse before every trip and keep only the cash you need.
Put materials in Stores, not in the pack, as soon as you are done gathering.
Carry loot, not cargo: a wagon on a dungeon trip is a liability more than a safe.
Use the home for keepsakes and spare gear, not as a bank for gold.
Treat the guild vault as shared: deposit only what you can afford to lose if permissions change.

Common mistakes

Carrying the whole purse into a dungeon. One death takes a tenth of it; the bank takes nothing.
Treating the home as a bank. Gold sits in the purse or the bank, not in the home; a home's storage is for items.
Overloading a wagon and calling it safe. Travel wear and parking rules apply, and Open Zone death can expose cart contents.
Depositing valuables in a guild vault without checking permissions. An officer's default withdrawal limit still lets an officer take some; the guildmaster's word sets the rest.
Using the Materials Bag as general storage. It holds raw materials and cannot be sold or dropped while it holds them.

Sources & checked facts

src/systems/banking.js: goldRegion, withdrawGold, withdrawLetter, letter commission and minimum; src/systems/inventory.js: GOLD_PIECE_WEIGHT_KG, letterOfCredit
src/systems/deathPenalty.js: DEATH_GOLD_DIVISOR, purse-only deduction; src/scenes/world.js: respawn and revenant-theft branches
src/net/homeLaw.js: HOME_CAP, HOME_ENTRIES, HOME_ENTRY_DEFAULT, HOME_PRICE_MIN, HOME_PRICE_MAX, homeOnlinePrice
src/systems/wagon/wagonKinds.js: SMALL_CART_KG 750, WAGON_KINDS (Open Wagon 1,500 kg, Caravan 2,000 kg); src/systems/wagon/wagonWarden.js: parking and relocation
src/net/sea/seaPrizeLaw.js: SEA_PRIZE_SHARE (one third), SEA_PRIZE_PIECES_MAX 8, SEA_PRIZE_HOLD_S (three days); src/scenes/seaWreckHost.js: wreck and boarding
src/net/professionLaw.js: STORES_MAX; src/net/bagLaw.js: BAG_KG_LIMIT 300; src/systems/materialsBag.js: Materials Bag behaviour
src/net/guild/guildVaultLaw.js: GUILD_VAULT_SLOTS 50, GUILD_VAULT_HALL_SLOTS 50, VAULT_RANK_DEFAULTS, VAULT_LIMIT_CHOICES
Design records: docs/34-money-and-loot.md "Banking and keeping money safe"; docs/23-playing-online.md "The professions, in detail"
Research: handbook/research/E2.md (homes, banking), handbook/research/V1.md (wagons, ships)

Facts used on this page

Minimum home price: 5000 gold
src/net/homeLaw.js · HOME_PRICE_MIN
Maximum home price: 250000 gold
src/net/homeLaw.js · HOME_PRICE_MAX