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How does banking work

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Nuada
Oct Gold Premier Club Member 2012

Nuada

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I've been curious as to how banks work in the realm of Runescape Lore. Whilst I am aware of gameplay and story segregation, I believe that I have a theory (completely unsupported), about how banking would work.

The vast majority of banks have access to a small, on site vault with the most basic of currencies. They also have access to a centralised hub of raw materials like logs and metal ores. This is how most NPCs would bank. A farmer might have a small locker in his bank; with his personal belongings, but would be able to go to any bank and withdraw from his account. However, the coins that he withdraws from different banks are not his, they are drawn from a centralised collection.

The Adventurer, how ever, is different. How on earth can we store animals, massive items, fresh food and come back and find them to be unchanged - most of the time?

(Thinking now, do seeds grow into seedlings while banked?)

Because our bank account is entirely our own, situated in a time-stopped pocket dimension created much like a POH. Because of the expertise required to maintain such a dimension, there is no point in creating for anyone but the ilk of the Adventurer. Which also means that if you deposit a coin in Al-Kharid, and you withdraw it in Lleyta, it is the same coin, whereas a traveller who does the same will rely on an infinitesimal chance to do the same.

11-May-2017 17:53:40

Ancient Drew
Nov Member 2018

Ancient Drew

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It's possible that bankers have access to a mini-dimension or some plane which theoretically has infinite space and is frozen in time. I don't think that seeds can grow into saplings in the bank. But I would be interested in seeing what they've got to do it. Prepare for hell on RuneScape in Naval Cataclysm!

Pokemon battle? Friend Code: 4614-0426-2439

11-May-2017 17:55:50

Nuada
Oct Gold Premier Club Member 2012

Nuada

Posts: 3,494Adamant Posts by user Forum Profile RuneMetrics Profile
Ancient Drew said:
It's possible that bankers have access to a mini-dimension or some plane which theoretically has infinite space and is frozen in time. I don't think that seeds can grow into saplings in the bank. But I would be interested in seeing what they've got to do it.


Yeah, I don't know how much Jagex has thought about the lore of banks...

Which raises another point - why are some items unable to be banked?

Well, at least I know what to ask at the next Lore Corner.

11-May-2017 17:58:10

worst noob

worst noob

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Nuada said:
Ancient Drew said:
It's possible that bankers have access to a mini-dimension or some plane which theoretically has infinite space and is frozen in time. I don't think that seeds can grow into saplings in the bank. But I would be interested in seeing what they've got to do it.


Yeah, I don't know how much Jagex has thought about the lore of banks...

Which raises another point - why are some items unable to be banked?

Well, at least I know what to ask at the next Lore Corner.


About items: The banker simply refuses to take it. Presumably they have rules that forbid certain items. I don't know what's so special about eg. XP lamps/stars, they take much weirder stuff.

07-Jul-2017 19:25:47

Elf of Seren
Nov Gold Premier Club Member 2012

Elf of Seren

Posts: 3,309Adamant Posts by user Forum Profile RuneMetrics Profile
In my head, I've always compared them to the Iron Bank from Game of Thrones, and just assumed they were a bunch of raging capitalists with access to magical storage and influence everywhere due to their monies. The RS Wiki will post your IP Address online

08-Jul-2017 02:28:00

AesirWarrior
Nov Member 2017

AesirWarrior

Posts: 1,051Mithril Posts by user Forum Profile RuneMetrics Profile
A pocket dimension seems like the easiest solution. We know for a fact that certain dimensions can have a slower passage of time relative to Gielinor. Only question I have is whether that kind of magic is available to businesses or the general population. Would they have hired wizards to establish it? I suppose if the Varrock Museum can create a pocket dimension just so their Professor of Unnatural History has a sizable office, then the Bank originating from the same city probably has those resources as well. There's also Player Owned Houses of course, but I have no idea how many of those there canonically are.

Alternatively, they could have teleporting couriers to transport unique/rare items while the rest is stored locally. If you consider the Postbags canonical, then they already use teleportation for shift changes.

Of course certain banks are almost undoubtedly non-canon, like bank chests outside boss battles or in quests. I don't think Lensig had secret access to the Bank of Runescape from her tower. And in some cases, like with Menaphos, I doubt they're actually connected to the "Bank of Runescape".

Edit: Also from the Postbags, the old Banker from the Wilderness Volcano:

It's enough to make me cry. Still, I have one thing that Mandrith doesn't, and that's a sack. It's not magical, though. If you place things perfectly in a sack, you can get them to cancel each other out. It's called science.

Maximillian 'The Sack' Sackville

08-Jul-2017 03:02:48 - Last edited on 08-Jul-2017 03:07:26 by AesirWarrior

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