The S&N Bank is where SurvivalCash goes to work. Trade the apocalyptic stock market, lock savings into Horde Defense CDs, or take a loan. Use it in-game or on the Bank Terminal.
Stocks
Prices move like a real market: regimes (calm, bull runs, bear slumps, post-crash panic), momentum, volatility that clusters, and sector sell-offs where related companies slide together. Regime changes and big events are announced as MARKET NEWS in chat on every server, and the Bank page shows the live mood plus real 24-hour charts. Trades fill instantly at market with a 0.5% exchange spread each way.
Crashes & bankruptcies — total loss is real
- ›CRASHES are rare but hit everything at once: 35–70% off every ticker in one session, then hours of panic aftershocks. Prices recover toward their normal range afterwards — crash bottoms have been the best buys on the exchange.
- ›BANKRUPTCIES kill a company for good: the stock delists and every share held becomes worth ZERO. Holders are told in-game; the full story and the casualty list (who lost, how much) posts to Discord.
- ›A dead ticker stays on the board for 48 hours marked BANKRUPT, then vanishes. Distressed companies — trading way below their usual range for too long — are the ones that die.
- ›Survival rules: diversify, be suspicious of a stock pinned at the bottom of its range, and take profits on the way up.
IPOs — new companies, maybe yours
The exchange replaces its dead: a few hours after a bankruptcy a new company lists — from a deep pool of wasteland businesses, or freshly founded and NAMED AFTER one of our VIP members. New listings wear a NEW badge and can be anything from a blue chip to a penny stock.
!stockslive stock prices!stock buy <SYM> <n>buy shares at market!stock sell <SYM> <n>sell shares at market!portfolioyour holdings, CDs and loanHorde Defense CDs
Lock SurvivalCash into a certificate for a fixed term; it pays back principal plus interest at maturity. Offered rates float over time, so lock in a good one when you see it.
Loans
Borrow SurvivalCash now — a 25% cut of everything you earn automatically repays it, plus daily interest. VIP holds more loans at lower rates.
| Rank | Loans at once | Daily interest |
|---|---|---|
| Survivor (free) | 1 | 3% |
| Bronze | 1 | 3% |
| Silver | 2 | 2.5% |
| Gold | 3 | 2% |
| Platinum | 5 | 1.5% |
!loanloan status & how it works!loan take <amount>borrow!loan repay <amount>pay it down