Coffer
Coffer gives every player a real bank account. Deposit and withdraw through a menu, earn savings interest on what you keep banked, and borrow against the bank with loans backed by item collateral. It runs on top of your existing economy plugin through Vault, so wallets work exactly as they do now.
Built for: Survival, SMP, and any server that wants a real banking layer on top of its economy instead of a plain balance command.
The bank menu
/coffer open shows your wallet, your banked balance, and your current interest rate side by side. Left click deposit or withdraw to move a set amount, right click to move everything at once. Quick-deposit buttons for common amounts are configurable in config.yml.
Savings interest
Money left in the bank earns interest on a fixed cycle. Coffer ships four interest tiers, iron, gold, and diamond above a base rate, so a bigger banked balance earns a better rate. Tiers, rates, the payout cycle, and the balance cap are all set in config.yml.
Loans and collateral
Players can borrow from the bank with no collateral up to a base limit, and post items in the collateral menu to raise how much they can borrow. Loan interest accrues on the same cycle as savings, and a loan has a repayment term. If it is not repaid in time, it defaults and the posted collateral is forfeit.
Every number here, the base borrow limit, the bonus per collateral slot, how many slots are offered, the loan interest rate, and the repayment term, is a config option.
Richest accounts leaderboard
/coffer top opens a leaderboard of the highest banked balances on the server, shown as player heads ranked highest first. Leaderboard size is configurable up to 45 accounts.
Features
Commands
Permissions
Placeholders
PlaceholderAPI support: %coffer_balance% and %coffer_balance_formatted% for the bank balance, %coffer_loan_owed% and %coffer_loan_owed_formatted% for outstanding loan debt, %coffer_rate% for the current interest rate, and %coffer_rank% for leaderboard rank.
Configuration
config.yml controls the economy connection, deposit and withdraw fees, the minimum transaction size, the bank balance cap, every interest tier and the payout cycle, the loan base limit, the collateral bonus per slot, the number of collateral slots, the loan interest rate, the repayment term, and the leaderboard size. messages.yml holds every player-facing line. Run /coffer reload to apply changes with no restart.
Requirements
Installation
Try it first
Coffer is live on our test server, hosted here on BuiltByBit. Use the test server link on this page to open the bank and try a deposit or a loan before you buy.
Support
Questions and bug reports are welcome. Join the No Click Studios Discord at https://discord.gg/drBwA958bn.
Coffer gives every player a real bank account. Deposit and withdraw through a menu, earn savings interest on what you keep banked, and borrow against the bank with loans backed by item collateral. It runs on top of your existing economy plugin through Vault, so wallets work exactly as they do now.
Built for: Survival, SMP, and any server that wants a real banking layer on top of its economy instead of a plain balance command.
The bank menu
/coffer open shows your wallet, your banked balance, and your current interest rate side by side. Left click deposit or withdraw to move a set amount, right click to move everything at once. Quick-deposit buttons for common amounts are configurable in config.yml.
Savings interest
Money left in the bank earns interest on a fixed cycle. Coffer ships four interest tiers, iron, gold, and diamond above a base rate, so a bigger banked balance earns a better rate. Tiers, rates, the payout cycle, and the balance cap are all set in config.yml.
Loans and collateral
Players can borrow from the bank with no collateral up to a base limit, and post items in the collateral menu to raise how much they can borrow. Loan interest accrues on the same cycle as savings, and a loan has a repayment term. If it is not repaid in time, it defaults and the posted collateral is forfeit.
Every number here, the base borrow limit, the bonus per collateral slot, how many slots are offered, the loan interest rate, and the repayment term, is a config option.
Richest accounts leaderboard
/coffer top opens a leaderboard of the highest banked balances on the server, shown as player heads ranked highest first. Leaderboard size is configurable up to 45 accounts.
Features
- Full bank menu: deposit, withdraw, check your rate, all through a GUI, with left click and right click amount shortcuts.
- Savings interest paid on a timer, with four configurable tiers so higher balances earn a better rate.
- Loans with a no-collateral base limit, plus a collateral menu that raises how much you can borrow per item posted.
- Loan interest, a repayment term, and default handling that forfeits posted collateral if a loan is not repaid in time.
- Richest accounts leaderboard menu, size configurable up to 45 players.
- Runs on your existing economy through Vault, works with EssentialsX, CMI, and other Vault-based economies.
- PlaceholderAPI support for balance, loan debt, interest rate, and leaderboard rank.
- Configurable deposit and withdraw fees, a minimum transaction size, and a maximum bank balance.
- Sound feedback on deposits, withdrawals, and loans, fully configurable or off.
- Account data saves automatically in the background and flushes on shutdown, so a stop or crash never loses a balance or a loan.
- Full permission-filtered tab completion.
Commands
- /coffer (aliases /bank, /coffers) shows help.
- /coffer open opens the bank menu.
- /coffer balance [player] shows your balance, or another player's with permission.
- /coffer deposit <amount> and /coffer withdraw <amount> move money between wallet and bank.
- /coffer loan <amount> and /coffer repay <amount> borrow from the bank and pay it back.
- /coffer interest shows your current rate and next payout.
- /coffer top opens the richest accounts leaderboard.
- /coffer reload reloads the config and messages live.
- /coffer admin <set|give|take|clearloan> <player> [amount] manages another player's bank or loan.
Permissions
- coffer.use open the bank, deposit, withdraw. Default: everyone.
- coffer.loan take and repay loans. Default: everyone.
- coffer.top view the richest accounts leaderboard. Default: everyone.
- coffer.admin reload the config and manage other players' accounts. Default: operators.
Placeholders
PlaceholderAPI support: %coffer_balance% and %coffer_balance_formatted% for the bank balance, %coffer_loan_owed% and %coffer_loan_owed_formatted% for outstanding loan debt, %coffer_rate% for the current interest rate, and %coffer_rank% for leaderboard rank.
Configuration
config.yml controls the economy connection, deposit and withdraw fees, the minimum transaction size, the bank balance cap, every interest tier and the payout cycle, the loan base limit, the collateral bonus per slot, the number of collateral slots, the loan interest rate, the repayment term, and the leaderboard size. messages.yml holds every player-facing line. Run /coffer reload to apply changes with no restart.
Requirements
- Minecraft 1.21 to 26.1.2.
- Paper, Spigot, or Bukkit.
- Java 21.
- A Vault-compatible economy plugin (EssentialsX, CMI, and others) for wallets.
- PlaceholderAPI is optional, for the placeholders above.
Installation
- Put Coffer-1.0.0.jar in your plugins folder, alongside a Vault-compatible economy plugin.
- Start the server once to create config.yml and messages.yml.
- Set your interest tiers and loan settings in config.yml if you want to change the defaults, then run /coffer reload.
Try it first
Coffer is live on our test server, hosted here on BuiltByBit. Use the test server link on this page to open the bank and try a deposit or a loan before you buy.
Support
Questions and bug reports are welcome. Join the No Click Studios Discord at https://discord.gg/drBwA958bn.
