💰 SmartWithdraw

The most complete physical note economy plugin for Minecraft. Withdraw your balance as real, holdable, tradeable items — sign them cryptographically, tax them, expire them, restrict them by world, and deposit them back with a single click. Built for serious server economies.

⚠️ Requires an economy plugin. Vault alone does nothing — you also need EssentialsX (or another Vault-compatible economy plugin) installed for Money withdrawals to work.

📥 Vault · EssentialsX

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✨ What Makes SmartWithdraw Different

Most "withdraw money" plugins give you a paper item and call it a day. SmartWithdraw is built from the ground up with economy security, deep configurability, and a polished player experience at its core.

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🔐 Tamper-Proof by Design

Every note is HMAC-cryptographically signed with a secret key generated on first server start. No NBT editor, no plugin, no exploit can forge a valid note. Tampered or fake notes are automatically detected and rejected — your economy stays safe.

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💵 Three Independent Balance Types

Currency	Backend	Default Item
💰 Money	Vault / EssentialsX	Gold Nugget
⭐ GamePoints	PlayerPoints	Nether Star
✵ Experience	Player XP/Levels	Experience Bottle

Each currency is fully independent — separate balance, separate note appearance, separate denominations, separate tax rules. All configurable.

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✨ Features

📄 Fully Editable Note Lore Every line of every note's tooltip is configurable per currency using a template: system in config.yml. Available placeholders: %value%, %server%, %date%, %expiry%, %tax%, %currency%, %type%.

🕐 Note Expiry Set notes to expire after a configurable number of days. The lore shows a live countdown (Expires in: 6 days). Expired notes are destroyed on deposit attempt, on login, and during periodic scans — with an aesthetic chat message and sound effect.

💸 Real Tax System Configure a percentage tax per currency — on withdraw, on deposit, or both. Taxed amounts are burned from the economy (never credited anywhere). The tax rate is shown clearly in every note's lore.

📊 Daily Withdrawal Limits Set a rolling 24-hour withdrawal cap per currency per player. The window resets exactly 24 hours after the player's first withdrawal — not at midnight. Players can check their usage with /sw limit.

🌍 World Restrictions Restrict each currency to specific worlds — leave the list empty to allow all worlds (including Multiverse worlds) by default.

📄 Flexible Denominations & Auto-Split

• auto-split-notes: false (default) → one exact-value note per withdrawal
• auto-split-notes: true → fewest real notes possible (e.g. withdraw 2500 → one $2000 + one $500)
• Sneak + left-click any note to manually split it into smaller denominations at any time

🎨 Custom Material Per Currency Notes aren't stuck as paper. Each currency uses its own Minecraft item — configurable to any valid material.

🔊 Configurable Sound Effects Every action (withdraw, deposit, split, expire) plays a configurable sound. Set the sound name, volume, and pitch, or disable sounds entirely.

📱 Action Bar Messages Success messages (withdraw, deposit, split) appear on the action bar — clean and unobtrusive. Errors appear in chat with clear prefix formatting.

🏦 Bank GUI /sw gui opens a chest-style menu. Click denomination buttons to withdraw, deposit everything in one click, and switch between currencies with a dedicated switcher screen.

🔍 Note Inspector /sw inspect while holding any note opens a GUI showing: currency details, verified value, creation date, expiry countdown, tax configuration, and signature validity status.

📦 Offline Player Give /sw give <player> <amount> [currency] works on offline players too. Notes are stored in pending-notes.yml and delivered automatically on their next login.

⌨️ Tab Completion /withdraw and /sw subcommands both support full tab completion for currency IDs, player names, and subcommand names.

📊 Transaction Logging Every withdrawal, deposit, tax deduction, and admin action is logged to transactions.log with timestamp, player name, currency, and amount.

🧩 PlaceholderAPI Support

• %smartwithdraw_balance_formatted% — default currency balance
• %smartwithdraw_balance_formatted_<id>% — specific currency balance
• %smartwithdraw_held_value_formatted% — notes held (default currency)
• %smartwithdraw_held_value_formatted_<id>% — notes held (specific currency)

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⚙️ Commands

Command	Description	Permission
/withdraw <amount> [currency]	Withdraw balance as notes	smartwithdraw.withdraw
/deposit	Deposit all valid notes in inventory	smartwithdraw.deposit
/sw gui	Open the bank menu	smartwithdraw.gui
/sw currencies	List all configured currencies	—
/sw inspect	Inspect the note you're holding	smartwithdraw.inspect
/sw limit [currency]	View your daily withdrawal usage	—
/sw give <player> <amount> [currency]	Give notes (online or offline)	smartwithdraw.admin.give
/sw reload	Reload config live	smartwithdraw.admin.reload

🖱️ Interactions

Action	Effect
Right-click a note	Deposit one note
Sneak + right-click a stack	Deposit the whole stack
Sneak + left-click a note	Split into smaller denominations

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📦 Requirements

• Paper, Spigot, or Purpur — Minecraft 1.21+
• Vault — required
• A Vault-compatible economy plugin e.g. EssentialsX — required for Money

Optional:

• PlayerPoints — for GamePoints currency
• PlaceholderAPI — for placeholders

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Every currency, denomination, note style, lore line, sound, tax rate, world restriction, and message is configurable — make SmartWithdraw feel completely native to your server.