The points economy in motion (Discuz's 社区银行): members send points to each other and keep points in a vault that earns
a little interest every day.

At /bank

  • Send points — pick a member (autocomplete from the same search the @mention box uses) and an amount. A fee
    (a percentage, default 5%) is taken from what you send; the fee is burned, not paid to anyone.
  • Vault — put points in and take them out. The vault earns interest_pct a day; a scheduled job pays it once a day.
  • Recent movements — the last transfers, deposits, withdrawals and interest, straight from the ledger.

Also linked from the /points page (a tile) and the left menu.

How it stays honest

The balance is still fb_users.points; every movement goes through points_add() with its own reason
(tabre_bank_out, tabre_bank_in, tabre_bank_fee, tabre_bank_deposit, tabre_bank_withdraw,
tabre_bank_interest), so the history and the staff views are true. The vault is one row per member in
plugin_tabre_bank_vault.

Settings

Allow transfers, Fee (%), Smallest transfer, Allow savings, Interest a day (%) (capped at 5).

Notes

  • Interest is capped at 60 days of accrual per run, so a vault left alone for a year does not compound for a year.
  • Transfers notify the receiver; the notification kind is tabre_bank.

Uninstall

Disable hides /bank. Uninstall drops the vault table (money already in a vault stays in the member's balance,
since every deposit was already deducted from it — export the vault first if you need those amounts).