💰 MyEconomy

A feature-rich economy plugin for Paper Minecraft 1.20.x–1.21.x servers

MyEconomy gives your server a complete economy system out of the box — wallet, bank accounts, physical banknotes, passive income, PvP money stealing, and full Vault integration. Every feature is toggleable, every message is customizable, and other plugins can hook into it seamlessly.

✨ Key Features

💵 Core Economy

Wallet balance with configurable starting amount and currency
Optional negative balance support
SQLite database — no external setup required
Full Vault provider — other plugins read and write balances through the standard API

🏦 Bank System

Separate savings account per player (/bank)
Deposit from wallet, withdraw to wallet, transfer to other players' banks
Configurable max balance and transfer tax
Can be disabled entirely in config

📄 Physical Banknotes (Withdraw)

/withdraw creates a real item — right-click to deposit back
Stack of banknotes? Right-click deposits the entire stack at once
Configurable item material — vanilla (PAPER, GOLD_INGOT) or custom plugins:
- Oraxen → oraxen:banknote
- ItemsAdder → itemsadder:custom_paper
- Nexo → nexo:money_note
Custom model data support for resource packs
Fully customizable name and lore with {amount}, {player}, {date} placeholders
Can be disabled entirely in config

📈 Passive Income (3 Systems)

Interest — percentage of wallet balance earned at configurable intervals (online only)
Playtime Rewards — multi-tier system with per-permission rates (VIP+, VIP, default, or any custom tiers you define)
Offline Growth — compound interest calculated on login based on time away (configurable interval, max hours, growth cap)

⚔️ PvP Money

Killer steals a configurable percentage of victim's balance on kill
Min/max steal limits per kill
Option for victim to not lose money (killer gets it from thin air)
Both players see ActionBar feedback instantly

🔔 Smart Notifications

ActionBar popups — every gain/loss shows +$1.23 or -$20.00 on the action bar
Offline queue — transfers, bank deposits, and events while offline are stored in the database and shown on login
Configurable duration, formats, and max queued messages

💳 Payments with Tax

/pay supports optional tax percentage
Configurable min/max payment amounts
Self-pay prevention (toggleable)

🏆 Leaderboard

/balancetop shows top richest players with formatted display
Your own entry is highlighted
Your personal rank shown at the bottom
Configurable entry count and cache interval

🧩 Integrations

Vault — full economy provider with deposit/withdraw/getBalance/has/createAccount
PlaceholderAPI — 12+ placeholders including leaderboard positions
Transaction logging — every action logged to file with timestamps

♻️ Live Reload & Translations

/myeconomy reload applies changes without a restart
Every message lives in lang.yml — fully translatable
Color codes and hex colors supported

📥 Installation

Download the latest .jar from Releases
Place it in your server's plugins/ folder
Restart the server
Edit plugins/MyEconomy/config.yml and plugins/MyEconomy/lang.yml
Run /myeconomy reload

Requirements: Paper (or fork) 1.20.x–1.21.x, Java 21.

Optional dependencies:

Vault — allows other plugins to interact with MyEconomy
PlaceholderAPI — adds placeholders for scoreboards, holograms, tab, etc.

🎮 Player Commands

Command	Description	Permission
`/balance [player]`	Check wallet balance	`myeconomy.balance` / `.others`
`/balancetop`	Top richest players	`myeconomy.balancetop`
`/pay <player> <amount>`	Send money to a player	`myeconomy.pay`
`/withdraw <amount>`	Create a physical banknote	`myeconomy.withdraw`
`/bank`	View bank balance	`myeconomy.bank`
`/bank deposit <amount>`	Wallet → Bank	`myeconomy.bank`
`/bank withdraw <amount>`	Bank → Wallet	`myeconomy.bank`
`/bank transfer <player> <amount>`	Your bank → Player's bank	`myeconomy.bank.transfer`

Aliases: /bal for /balance, /baltop for /balancetop

🔧 Admin Commands

Command	Description	Permission
`/myeconomy set <player> <amount>`	Set player's wallet balance	`myeconomy.admin`
`/myeconomy change <player> <value>`	Add or remove from balance	`myeconomy.admin`
`/myeconomy reload`	Reload config and lang files	`myeconomy.admin`

The change command accepts positive and negative values (e.g. /myeconomy change Steve -500).

🔐 Permissions

Permission	Default	Description
`myeconomy.balance`	`true`	Check own balance
`myeconomy.balance.others`	`true`	Check other players' balance
`myeconomy.balancetop`	`true`	View leaderboard
`myeconomy.pay`	`true`	Pay other players
`myeconomy.withdraw`	`true`	Create banknotes
`myeconomy.bank`	`true`	Use bank system
`myeconomy.bank.transfer`	`true`	Transfer between bank accounts
`myeconomy.playtime.vip`	—	VIP playtime reward tier
`myeconomy.playtime.vipplus`	—	VIP+ playtime reward tier
`myeconomy.admin`	`op`	Admin commands (set, change, reload)

Example: LuckPerms

/lp group vip permission set myeconomy.playtime.vip true
/lp group vip-plus permission set myeconomy.playtime.vipplus true
/lp group admin permission set myeconomy.admin true

🧩 PlaceholderAPI

Requires PlaceholderAPI.

Player Placeholders

Placeholder	Description
`%myeconomy_balance%`	Formatted wallet balance (e.g. `$1,234.56`)
`%myeconomy_balance_raw%`	Raw wallet balance number (e.g. `1234.56`)
`%myeconomy_balance_formatted%`	Balance without currency symbol (e.g. `1,234.56`)
`%myeconomy_bank_balance%`	Formatted bank balance
`%myeconomy_bank_balance_raw%`	Raw bank balance number
`%myeconomy_total_balance%`	Wallet + Bank combined
`%myeconomy_rank%`	Player's wealth rank
`%myeconomy_currency%`	Currency name (singular/plural)
`%myeconomy_currency_symbol%`	Currency symbol (e.g. `$`)

Leaderboard Placeholders

Placeholder	Description
`%myeconomy_top_name_<N>%`	Name of player at rank N
`%myeconomy_top_balance_<N>%`	Formatted balance at rank N
`%myeconomy_top_balance_raw_<N>%`	Raw balance at rank N

Replace <N> with any number (e.g. %myeconomy_top_name_1% for the richest player). Cached with 30-second TTL.

⚙️ Configuration

MyEconomy uses focused config files:

File	Purpose
`config.yml`	All plugin settings (economy, bank, interest, PvP, etc.)
`lang.yml`	Every player-facing message (translatable)
`economy.db`	SQLite database (auto-generated)
`transactions.log`	Transaction history (auto-generated)

💵 Currency Settings

starting-balance: 100.0
allow-negative-balance: false

currency:
  name-singular: "Dollar"
  name-plural: "Dollars"
  symbol: "$"
  format: "#,##0.00"

🏦 Bank System

bank:
  enabled: true
  starting-balance: 0.0
  minimum: 1.0
  max-balance: 0.0             # 0 = unlimited
  transfer-tax-percent: 0.0    # tax on bank-to-bank transfers

📈 Interest (Online)

interest:
  enabled: true
  rate-percent: 0.5
  interval-minutes: 60
  max-balance-for-interest: 100000.0
  min-balance-for-interest: 100.0

🌙 Offline Growth

Compound interest calculated when a player logs in, based on how long they were offline.

offline-growth:
  enabled: true
  interval-minutes: 60      # growth applied per this interval
  rate-percent: 0.3          # percent per interval
  max-hours: 12              # max offline time counted
  max-growth: 5000.0         # cap per session (0 = no cap)
  min-balance: 50.0          # minimum balance to qualify

A player offline for 6 hours with $10,000 and 0.3% per hour earns compound growth over 6 intervals.

🎮 Playtime Reward Tiers

Tiers are checked top-to-bottom. Each player receives one reward — the best tier they have permission for.

playtime-rewards:
  enabled: true
  interval-minutes: 15
  tiers:
    vip-plus:
      permission: "myeconomy.playtime.vipplus"
      type: "percent"        # "percent" or "flat"
      amount: 2.0
      min-balance: 0.0
      max-reward: 2000.0
    vip:
      permission: "myeconomy.playtime.vip"
      type: "percent"
      amount: 1.0
      min-balance: 0.0
      max-reward: 1000.0
    default:
      permission: "default"  # applies to everyone
      type: "percent"
      amount: 0.5
      min-balance: 0.0
      max-reward: 500.0

Add as many tiers as you need — just give each a unique key and permission node.

⚔️ PvP Money

pvp-money:
  enabled: true
  steal-percent: 5.0
  minimum: 1.0          # victim must have at least this much
  maximum: 1000.0       # max stolen per kill (0 = no cap)
  victim-loses: true     # false = killer gets money from thin air

📄 Banknote Item

Supports vanilla materials and custom items from other plugins:

withdraw:
  enabled: true
  minimum: 1.0
  maximum: 1000000.0
  item-material: "PAPER"                    # vanilla material
  # item-material: "oraxen:banknote"        # Oraxen
  # item-material: "itemsadder:custom_paper" # ItemsAdder
  # item-material: "nexo:money_note"        # Nexo
  custom-model-data: 0                      # for resource packs
  item-name: "&a&lBanknote &7- &f{amount}"
  item-lore:
    - ""
    - "&7Value: &a{amount} {currency}"
    - "&7Created by: &f{player}"
    - "&7Date: &f{date}"
    - ""
    - "&e&lRight-click &7to deposit"

🔔 Notifications

notifications:
  actionbar:
    enabled: true
    duration-ticks: 60                # 60 ticks = 3 seconds
    gain-format: "&a+{amount}"
    loss-format: "&c-{amount}"
  offline-queue:
    enabled: true
    max-messages: 20

💳 Pay Settings

pay:
  minimum: 1.0
  maximum: 1000000.0
  tax-percent: 0.0       # tax on /pay transfers
  allow-self-pay: false

📝 Transaction Logging

logging:
  enabled: true
  file: "transactions.log"
  log-pay: true
  log-withdraw: true
  log-deposit: true
  log-admin-changes: true
  log-interest: false
  log-playtime-rewards: false
  log-bank: true
  log-pvp: true
  log-offline-growth: true

Log format: [2026-07-07 15:30:45] [PAY] Steve -> Alex | Amount: 500.00

📊 Use Cases

Basic Server Economy

# config.yml — just wallet + pay, everything else off
starting-balance: 500.0
bank:
  enabled: false
withdraw:
  enabled: false
interest:
  enabled: false
offline-growth:
  enabled: false
playtime-rewards:
  enabled: false
pvp-money:
  enabled: false

Survival with PvP Risk

pvp-money:
  enabled: true
  steal-percent: 10.0
  maximum: 5000.0
  victim-loses: true

bank:
  enabled: true          # players can protect money in the bank

Players keep money safe in the bank — only wallet balance is at risk in PvP.

VIP Rewards Server

playtime-rewards:
  enabled: true
  interval-minutes: 10
  tiers:
    mvp:
      permission: "myeconomy.playtime.mvp"
      type: "flat"
      amount: 50.0
      max-reward: 0.0
    vip:
      permission: "myeconomy.playtime.vip"
      type: "flat"
      amount: 25.0
      max-reward: 0.0
    default:
      permission: "default"
      type: "flat"
      amount: 10.0
      max-reward: 0.0

offline-growth:
  enabled: true
  rate-percent: 0.5
  max-hours: 8

MVPs earn $50 every 10 minutes, VIPs earn $25, everyone else $10. All players earn offline growth up to 8 hours.

🔌 Vault Integration

MyEconomy registers as a full Vault economy provider. Other plugins can:

// Get MyEconomy through Vault — standard API
Economy economy = getServer().getServicesManager().getRegistration(Economy.class).getProvider();

economy.getBalance(player);              // read balance
economy.depositPlayer(player, 100.0);    // add money
economy.withdrawPlayer(player, 50.0);    // remove money
economy.has(player, 200.0);              // check if player can afford
economy.format(1234.56);                 // "$1,234.56"

Set vault-integration: false in config to disable — MyEconomy will still work standalone with its SQLite database.

🐛 Troubleshooting

Plugin won't load

Check:

Are you using Paper 1.20.x–1.21.x? (/version)
Is the JAR in the plugins/ folder?
Do you have Java 21? (java -version)

Vault says no economy found

Check:

Is Vault installed and loaded? (Check console for [Vault])
Is vault-integration: true in config?
MyEconomy must load after Vault — it's handled automatically via softdepend

Balance not saving

Check:

The economy.db file exists in plugins/MyEconomy/
The server has write permissions to that folder
Check console for SQLite errors

Playtime rewards not working

Check:

playtime-rewards.enabled: true
Tiers are defined under playtime-rewards.tiers
Player has the correct permission for their tier (or tier uses permission: "default")
interval-minutes has passed since server start

Banknote right-click does nothing

Check:

The item has the MyEconomy NBT tag — only banknotes created by /withdraw work
Renaming or modifying the item in an anvil doesn't remove the tag
Custom item material is valid and the plugin (Oraxen/ItemsAdder) is loaded

Offline growth not applying

Check:

offline-growth.enabled: true
Player's balance is above min-balance
Player was offline for at least one full interval-minutes period
Growth is calculated on login, not periodically

📈 Performance

MyEconomy is lightweight and built for clean performance:

✅ SQLite database — no external server required
✅ Offline growth calculated on login, not with background tasks
✅ PlaceholderAPI leaderboard cached with configurable TTL
✅ Async-safe notification queue
✅ No external dependencies (Vault and PlaceholderAPI are optional soft-depends)
✅ Single JAR, zero configuration required to start

🔁 Version History

Future Roadmap

[ ] MySQL / MariaDB support
[ ] In-game GUI for bank management
[ ] Shop system integration
[ ] Economy statistics and graphs
[ ] Per-world economy separation

1.0.0

Initial release: wallet, bank accounts, banknotes (with Oraxen/ItemsAdder/Nexo support), interest, offline growth, multi-tier playtime rewards, PvP money stealing, ActionBar notifications, offline notification queue, Vault provider, PlaceholderAPI (12+ placeholders with leaderboard), transaction logging, admin commands, tab completion, full lang.yml translation support.

🔗 Links

GitHub: https://github.com/Dominos111G/MyEconomy
Modrinth: https://modrinth.com/project/myeconomy
Issues: https://github.com/Dominos111G/MyEconomy/issues

📝 License

MIT License - Free to modify and distribute

MyEconomy

Compatibility

Minecraft: Java Edition

Platforms

Links

Tags

Creators

Details

💰 MyEconomy

✨ Key Features

💵 Core Economy

🏦 Bank System

📄 Physical Banknotes (Withdraw)

📈 Passive Income (3 Systems)

⚔️ PvP Money

🔔 Smart Notifications

💳 Payments with Tax

🏆 Leaderboard

🧩 Integrations

♻️ Live Reload & Translations

📥 Installation

🎮 Player Commands

🔧 Admin Commands

🔐 Permissions

Example: LuckPerms

🧩 PlaceholderAPI

Player Placeholders

Leaderboard Placeholders

⚙️ Configuration

💵 Currency Settings

🏦 Bank System

📈 Interest (Online)

🌙 Offline Growth

🎮 Playtime Reward Tiers

⚔️ PvP Money

📄 Banknote Item

🔔 Notifications

💳 Pay Settings

📝 Transaction Logging

📊 Use Cases

Basic Server Economy

Survival with PvP Risk

VIP Rewards Server

🔌 Vault Integration

🐛 Troubleshooting

Plugin won't load

Vault says no economy found

Balance not saving

Playtime rewards not working

Banknote right-click does nothing

Offline growth not applying

📈 Performance

🔁 Version History

Future Roadmap

🔗 Links

📝 License