The CivSMP Economy — How Money Works

Money on CivSMP

CivSMP has a fully player-driven economy. Money is the primary currency used for trading with other players and NPCs alike. There's no shortage of ways to earn it — but building real wealth requires smart decisions.

Check your balance at any time with /balance.

Ways to Earn Money

Method	Description
💼 Jobs	Get paid automatically for in-game tasks
🏪 Trading with Players	Sell items, services, and more to other players
🏦 NPC Shops	Sell resources to NPC vendors across the world
🔨 Auction House	List your items for sale on /ah
🏘️ Selling Town Plots	Rent or sell plots inside your town with /plot forsale
📦 Deliveries	Haul scheduled goods for big payouts via /cd
📈 Bank Interest	Earn passive interest on money stored in banks
🏆 Rewards	Collect hourly, daily, and weekly reward money
🗳️ Voting	Earn cash and rewards by voting daily

Ways to Spend Money

Method	Description
🛒 NPC Shops	Buy items from vendors around the world
🏪 Player Trading	Purchase items and services from other players
🏰 Town Upkeep & Claims	Found a town, claim chunks, pay daily upkeep
🗺️ Landlord Town Chunks	Buy extra town chunks from the Landlord
🔨 Auction House	Bid on or buy items listed by other players
📌 Sponsored PlayerWarps	Pay for a sponsored slot in the PWarp menu

Protecting Your Money — Banks

Here's something important: you lose 10% of your player balance when you die. To protect your money, deposit it into a bank.

Banks are physical locations scattered throughout the world — look for bank buildings as you explore. Once you find one, you can:

• Deposit money to keep it safe from death penalties
• Earn interest — money in the bank generates interest every 8 hours while you're online
• Take out loans — get an instant cash injection when needed (see the Banks guide for details)

Tip: Always keep your savings in the bank. Carrying large amounts of cash is risky!

The Auction House

The Auction House (/ah) is the most accessible marketplace on the server — usable from anywhere, at any time.

/ah              — Open the Auction House
/ah sell <price> — List the item in your hand for sale
/ah bid <price>  — Place a bid on an item

You have a limited number of auction slots. Check your limit in the Player Profile menu and unlock more through rewards.

Coins — The Premium Currency

Coins are separate from regular money. They're the premium currency used in the /coinshop for cosmetics, premium ranks, boosters, and more.

You can earn coins through:

• Purchasing on the webstore
• Hourly, daily, and weekly rewards
• Leveling up and opening crates
• Sitting in an AFK Pond

Coins can be earned in-game — no pay-to-win here!