Mermade Economy (World lore idea)
Here's one for you DM's that want to do trading/economics with mermaids.
In the world at large, the relations between land dweller & merfolk has been quite odd. With it differing form nation to nation & even city to city in some circumstances. But one of things that has come from these relations, is merfolk developing a complex form of economy based off of shells, skulls, & coin.
Mermaids use shells as a mean of currency between merfolk & other merfolk, due to the fact that those who have dwell only and, have attempted to use it to gain massive amounts of profit (whilst increasing inflation). Coins are used between merfolk & land dwellers, these coins are made on land & is maintained by the governments of those who dwell on land. This allows the mermaids to trust it, at least in the ways to use it between just merfolk & humans.
However skulls, are an interchangeable currency that one can trade coins, or shells for. The skulls are engraved with curtain marking to denote how much it's worth. Though there have been efforts to defraud it from killing animals & using forged symbols to create fakes, the ever marching state of decay allows for these efforts to not affect inflation that much. To find a place where you can exchange your coins or shells for these special skulls, you can find it on 'floating banks' which are ran by a mixture of business savvy land folk & merfolk.
In the world at large, the relations between land dweller & merfolk has been quite odd. With it differing form nation to nation & even city to city in some circumstances. But one of things that has come from these relations, is merfolk developing a complex form of economy based off of shells, skulls, & coin.
Mermaids use shells as a mean of currency between merfolk & other merfolk, due to the fact that those who have dwell only and, have attempted to use it to gain massive amounts of profit (whilst increasing inflation). Coins are used between merfolk & land dwellers, these coins are made on land & is maintained by the governments of those who dwell on land. This allows the mermaids to trust it, at least in the ways to use it between just merfolk & humans.
However skulls, are an interchangeable currency that one can trade coins, or shells for. The skulls are engraved with curtain marking to denote how much it's worth. Though there have been efforts to defraud it from killing animals & using forged symbols to create fakes, the ever marching state of decay allows for these efforts to not affect inflation that much. To find a place where you can exchange your coins or shells for these special skulls, you can find it on 'floating banks' which are ran by a mixture of business savvy land folk & merfolk.
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