FFXI Bank Version 1.0
------------ Plan ------------

General Purpose:
	- Allow a cross server item purchases for all ffxi players without having them transfer chars/accounts with Gil.
	
	- Substantial Gil amounts are to be held across servers. 
	
	- For the start (beta) we would chose Fenrir + Another similar CPI (Consumer Price Index) server with a high population.

	- Would write web application to manage and regulate transfers and schedules.
	
	- Person would have an option to pay a 1-way 25$ transfer (saving them $25) to SE to move their mule so they can get the purchased item
	  or see if FFXIBank has a scheduled char transfer from server to deliver an order.

	- FFXIBank would be backed/supported/partnered with FFXIAH.com, BlueGartr community and financed by Omen. (hopefully)

	- There is nothing illegal about this idea in terms of FFXI user agreement policy.
		

	 

How it would work:
	- A person on ServerA would see a item listed on ServerB and contact FFXIBank to purchase the item on ServerB but give the Gil to FFXIBank of ServerA.

	- That person can create a mule and get the item on ServerB and make a personal $25 transfer of their mule or

	- Wait until a scheduled date to get the item.

	- This is very usefull for:
		> Rare items such as Abj -1s
		> High priced items
		> Bulk purchases of people with high capital that seek profits.
		> Currency/Alexi purchasing
		> People with characters on multiple servers that want to transfer Gil
		> Sending Gifts to other servers

	- Web would be also functional and translated for Japanese players. (eventually)

Certification/Guarantees:
	- Support from FFXIAH.com, need to talk to Scragg.
	- Hopefully a positive reaction from BlueGartr.
	- Need a functional site app up and running before going public or talking to Scragg.


Expansion plan:
	- The web application software would be initally made to scale the bank if it grows across all servers.
	
	- Initial start would be between Fenrir and a 2nd chosen server. About 40-50mil would be placed on that 2nd server.

	- Offers of a minimum 10mil purchase made FROM a active server (Aka Fenrir or a strong bank server) onto ANY other server to build up capital on other servers.


The profits:
	- We charge 5% more then the cost of the item on the other server. 
		> Example, Heralds Gaiters on Hades are bought for 12million by a person on Fenrir.
		> We charge 12 * 1.05 = 12.6. Make 600k from doing nothing.
		> Between 2 balanced servers Gil over time would just grow. As soon as it hits a certain mark we expand to other servers.
	- On average cross server items for a 'good deal' have a 25-30% price change, the issue is they have to pay $50 and need 2 diffrent accounts to get that item.
	- Our services would only cost them $25 to transfer a mule and they do not need a 2nd account.

	- FFXIAH Delivery-man option, we will post scheduled deliveries when we move our accounts for whatever purpose to
	  allow people to take advantage of the delivery and save the $25 fee however then we would charge 10% per purchase. 

Very good example of why this service is in demand:
	- Person buying a relic on Fenrir needs currency he can make 5 mules across 5 diffrent servers and purchase the currency (or alexi)
	  on each of the 5 servers then pay $25 once to move all of the mules back to Fenrir.
	- The only way that is possible for that person is if he gets financed on those servers from FFXIBank.
	- Obviously the customer would have to give us the Gil first on Fenrir. (Fenrir used as example).


For Omen:
	- If this succeeds the Gil invested would grow exponentially.
	- DKP in Omen would be similar to owning stock of the FFXIBank.
	- The losses are minimal. Worst case scenario Hana/Syra lose 50$ and time spent on development.
	- Roughly 50% of the profits would go to Omen Bank the other 50% would go to all of the people that contribute to actual management of this project.
	- If this expands and the idea works we will need a team to manage transactions and use the banks application. Your salary would be in Gil.