Templore Campaign Setting
Coins and Wealth
Currency in Templore
Some nations use coins of metal or other materials, others use rough forms of currency like hacksilver, and still some adhere to the barter system of trading item for item.
Where coins are used, each coin is given a set value once minted. The value of these coins are often based on the weight and type of metal used to mint them, though not always. Small, silver coins are the most common types of coins minted, and are the standard that most coin economies operate on. Larger coins made of gold are also commonly used. Coins of silver are sometimes diluted with copper to create cheap, low-value coins.
Currencies like hacksilver are valued on the weight of the material used. This often comes in the form of jewelry worn on the body which is traded, or bars of bullion which are cut into slivers of approximate value.
In a “supply state” (barter-based economy), goods are traded directly for other goods by the populace. Food in the form of raw grain, fruits, vegetables, or bread is the most common commodity, and is traded for necessities such as clothing or luxury items like furniture or perfumes.
Money of account is sometimes used in place of physical currency, and comes in the form of written marks or other documents detailing their value. Money of account is used for bookkeeping purposes or traded for large-scale transactions. Ingots of gold or silver are also manufactured by royalty to pay large debts.
Moneylenders and money changers are available in most cities to facilitate trade. In some cities banks exist, which store coin for safekeeping as well as written accounts of finances. Banks will also provide loans or changing services. These banks are institutions owned and operated by the cities they belong to. Banks, lenders and changers charge a small fee for their services, and are used mostly by merchant businesses. The royalty have their own treasurers to see to their wealth, and the common man has little need of the services provided by financial institutions.
Currency Values and Conversion
The standard D&D/Pathfinder system of coinage uses the copper, silver, and gold coin as the standard from of currency. In this system, the copper piece is considered one monetary “unit,” and one silver piece is equal to ten of these “units,” gold is equal to 100, and so on. Each nation utilizes these coins, and goods can be bought or sold for roughly the same price everywhere in the world. In Templore, no such standardization exists. Each country functions on it’s own economy, and the prices of goods fluctuate from region to region.
To make converting each nation’s coinage easier, the following tables have been provided. To use these tables, assume that a standard D&D/Pathfinder copper piece equals 1 unit, a silver piece equals 10 units, and a gold piece equals 100. For example, a tent in Pathfinder costs 10 GP. In Lind, this is equivalent to one noble, or two keeps and a knight, or one hundred pence, and so on. Note that actual prices are likely to differ from those listed in D&D/Pathfinder sources.
|Type of Metal||Name of Coin||Unit Value|