Bank System - Vivaldi Bank (Deposit-Withdraw-Interest)

Added dialogues with the dwarf Vivaldi on the main square in Novigrad that let you place crowns on deposit. New dialogue lines have been added with lore explaining the cap, includes ai voice clone, lip-sync, and is localized into all available languages (ai). I also added muted version for people who hates ai slop.

Funds accrue to your bank account daily; the default interest rate is 1% per day, and the daily max interest payout is capped at 200 crowns. That means a 20,000-crown deposit reaches the daily interest cap of 200 crowns and will not earn more. You must have at least 1 crown for the dialogue to appear, and the withdrawal dialogue is also not displayed without any deposit.

The interest rate and daily cap are configurable in the mod settings (interest from 0. 01% to 10% per day, daily cap from 0 to 1000 per day):

Setting Cap to 0 will remove the daily interest limit. Setting the interest rate to 0% will remove interest and force the deposit to only accumulate money.

If you install mod manually please add VivaldiBankDeposit.xml to the dx12filelist.txt file (\The Witcher 3\bin\config\r4game\user_config_matrix\pc) to see mod settings. If you want bigger numbers you can change manually in VivaldiBankDeposit.xml at SLIDER;0;10;1001 (min;max;step; 1001 is 0. 01).

To ensure correct simulation the mod enforces limits: a maximum of 2000 simulated days (the maximum number of days that can pass without contacting the bank for which interest will be applied) and an account ceiling of 1,000,000 crowns. For performance reasons, interest calculations take place when the player withdraw bank account, rather than through continuous daily ticks.

Compound interest calculation is optimized by checking when the balance will reach the cap using the formula:

principal * (1 + r)^n >= CAP_THRESHOLD => n >= log(CAP_THRESHOLD / principal) / log(1 + r)