Gallion - Immersive Finance

GalBank, turned into a working financial system.

GalBank is all over the Settled Systems, you just can't use it. Gallion changes that. GalBank is now a full financial institution you can bank with: take out loans, park credits in an interest savings account, build an investment portfolio with businesses across the Settled Systems, and leverage financed positions. All tied together by a reputation ladder you climb by being a reliable customer.

And if you stop being reliable? GalBank sends the Ecliptic to collect.

Features

▸ Loans — Borrow from 25,000 up to 1,000,000 credits across six tiers. Pick your amount and your repayment term independently; the bank amortizes the loan and auto-collects a payment each cycle. The terminal shows your balance, cycles remaining, and the exact payment due so you can plan ahead.

▸ Savings — A risk-free place to park credits that earns interest every cycle. Both your rate and your earning cap rise with your standing, from 0. 40%/cycle at Basic up to 0. 75%/cycle at Premier. Overdraft protection: if a loan payment comes due and you're short, your savings cover the shortfall before it records a missed payment.

▸ Investing — Put credits to work in businesses across four regions: New Atlantis, Akila City, Neon, and Orbital. Every business carries a risk profile (Stable, Balanced, Turbulent, or Venture) that shapes how good the returns get and how much can go wrong, from near-guaranteed income to real receivership risk. Add to any active position whenever you like, with no cap, so you can increase your investment when the market swings your way. There are currently 33 businesses to invest in.

▸ Financing — Once you reach Premier standing, GalBank offers Financed positions where they front the principal on your investments.  Bigger exposure, no credits down, and a margin call if the debt outruns the collateral. High risk, high reward, for players who've proven they can handle it.

Market Movers

Your investment returns aren't a fixed number. Two independent Market Boards push the market around throughout your playthrough:

Regional markets — a market board roll that sends a region into a boom or a bust that swings the payouts of every business there.

Sector markets — a separate board moves whole industries: General Stores, Clothing & Spacesuits, Weapons, Resources & Tech, Food & Beverages, Hospitality, and Shipyards. A sector swing hits every business of that type, wherever it trades.

Because the two boards are independent, they stack