What Opens
- Company and holding loans with collateral controls.
- Regional bank funding, risk appetite and credit competition.
- Debt service, repayment calendars and default consequences.
- Rating-sensitive credit spreads and borrower limits.
CORE CREDIT LAYER
Banking & Credit
The credit layer is part of the main game. Players unlock deeper borrowing, collateral and banking tools by building capital, ratings, skills, reputation and repayment discipline.
How It Is Earned
- Train credit, banking and risk-management skill paths.
- Build eligible company, bank or holding books.
- Maintain sufficient collateral and liquidity.
- Protect reputation through repayment and controlled leverage.
Market Rules
- Debt is not free capital.
- Missed payments hurt rating and access.
- Credit stress feeds banks, markets and news.
- Every borrower faces the same server-side controls.