🏦 Banking, credit and insurance
Savings interest, bonds, the LAPO loan, transfers, the index, insurance and the ledger.
Savings and bonds
Bonds do not pay automatically. Cash them in when they mature; early withdrawal is not offered. You can hold up to ten bonds.
| Product | Terms |
|---|---|
| Savings account | 8% annual interest, compounded hourly; deposit or withdraw from ₦100 |
| 30-day city bond | Minimum ₦10,000; 3.5% return after 30 days |
| 90-day city bond | Minimum ₦10,000; 7.5% return after 90 days |
| 180-day harbour bond | Minimum ₦10,000; 16% return after 180 days |
LAPO starter loan
The LAPO loan is ₦60,000, repaid at ₦12,000 a week for six weeks, for a total of ₦72,000. Collection is every seven days from 10 AM. Missing a week adds 10% of that week to what you owe.
The loan is optional and is never assigned at birth. Repaying it fully clears the record; it does not improve your credit score because there is no separate credit score.
Transfers and PIN
Send game money to another player from Wallet. The minimum is ₦100; the fee is ₦10 to ₦50. Set a 4–6 digit transaction PIN that is not all the same and not a simple run. Five wrong attempts lock sending for 15 minutes.
The recipient must exist, not be blocked, and the transfer is written to both ledgers in the same confirmed action. Never send game money expecting real money in return.
Insurance
Each cover has Basic, Plus and Premier tiers. The premium multiplies by 1, 2.1 or 3.6; the payout share is 50%, 75% or 100%. Premiums are billed on Saturdays at 9 AM. If the premium cannot be paid, the policy lapses.
Trip insurance is separate: ₦1,000 for the day and only protects against a lost bag during travel.
| Cover | Base weekly premium | Protects against |
|---|---|---|
| 🏠 Home | ₦18 | Fire, storm, burst pipes |
| 📺 Possessions | ₦9 | Theft or damage to furniture and electronics |
| 🚗 Vehicle | ₦12 | Breakdowns, collisions and traffic tickets |
| 🩺 Health | ₦16 | Clinic bills, medicine and bail help |
| 🏪 Business | ₦22 | Stock loss and a week of till cover |
| 📈 Investments | ₦14 | Index shock and fraud loss |
The Lagos Index and events
The Lagos Index moves once per game day between −6% and +9%. Money placed in the index follows that move and is credited to cash. A second home also pays rent at 0.015% of its value per game day.
A weekly economic event may change prices by ×0.9 to ×1.25 for a few days. The elected city policy stacks on top of the event. Every gain, fare, premium, ticket, transfer and rent payment appears in the Wallet ledger.
Fines and EFCC
Driving can produce parking, speeding or reckless-driving tickets. Bail is charged when you are held at the station. Health cover can reduce bail; no cover can triple it. Pay tickets in Wallet before they pile up.
A sudden wealth jump above ₦5,000,000 can open an EFCC file. You have 24 hours to answer, can hire a lawyer, and may lose part of the disputed amount. This is a game system; it is not a real legal process.