Gamification Banking (Save & Bet)

Status: ✅ Implemented (backend + Banking tab in Progression)
Last Updated: 2026-08-18

Overview

Banking is a gamification skill that lets users invest and save their coins and bet on a simulated market:

• Savings: Move coins from wallet to savings. Savings earn 1% interest per day (applied once per calendar day).
• Market: A global market index (starts at 100) that ticks once per day (midnight UTC). Users can place bets on whether the next tick will be UP or DOWN. Correct guess = 2× coins back; wrong = stake lost.
• Banking skill: Levelling is done by earning XP when you deposit or place a bet (10 XP each). Same skill progression as Cooking, Herblore, etc.

Implementation

Schema

• UserGamification: coinsInSavings, savingsInterestAppliedAt (for daily interest).
• GamificationSkillType: BANKING added.
• GamificationMarket: Single row – currentPrice, previousPrice, lastTickedAt.
• UserMarketBet: userId, marketId, amount, direction (UP/DOWN), marketPriceAtBet, resolvedAt, payout.

Service

• BankingService: getSummary, getMarketStatus, depositToSavings, withdrawFromSavings, placeBet, getOpenBets, getResolvedBets, tickMarket, applySavingsInterest, getBankingSkill.
• BankingSchedulerService: Registers daily job banking-daily (midnight UTC): runs tickMarket() then applySavingsInterest().

API (under /api/v1/gamification)

Method	Path	Auth	Description
GET	/banking	Yes	Full summary (coins, savings, market, open bets)
GET	/banking/market	No	Current market price and last tick time
GET	/banking/skill	Yes	Banking skill level and XP
POST	/banking/deposit	Yes	Body: { "amount": number } – move coins to savings
POST	/banking/withdraw	Yes	Body: { "amount": number } – move coins to wallet
POST	/banking/bet	Yes	Body: { "amount": number, "direction": "UP" | "DOWN" } – place bet
GET	/banking/bets/open	Yes	List unresolved bets
GET	/banking/bets/resolved	Yes	List recently resolved bets (?limit=20)

Admin

• POST /api/v1/admin/banking/tick (admin): Manually run market tick + savings interest (for testing or external cron).

Constants

• Savings interest: 1% per day.
• Market volatility: ±4% per tick (random walk).
• Bet payout: 2× stake if correct.

Migration

Run:

cd server && pnpm prisma migrate deploy

Migration: 20260205100000_add_banking_skill_and_market.

Frontend

Live on the Progression hub as Banking (web/src/components/ProgressionTabs/BankingTab.tsx): wallet vs savings, market price, deposit/withdraw/bet, open and resolved bets, portfolio buy/sell, banking skill level.