^
Caret
Part of Unicode Bots
Build your credit.
Grow your savings.
Caret is the financial planner of your Discord economy. It tracks credit scores, manages loans, keeps a leaderboard of your wealthiest members, and adds bills and savings accounts — giving members real financial decisions to make.
Requires Ampersand first. Caret adds financial governance on top.
^
^ caret ^
[Screenshot placeholder]
Your financial reputation, tracked.
Every member has a credit score between 0 and 1000. It goes up when you pay your taxes, repay loans on time, and accumulate wealth — and down when you default or miss obligations. A high score unlocks better loan terms and higher limits.
- /creditscore View your current credit score and full history
[Screenshot placeholder]
Borrow from the bank. Pay it back.
Members can apply for loans from the guild bank. Admins approve or decline applications through the dashboard. Interest rates and repayment terms are configurable, and your credit score influences what you can borrow.
- /loan Apply for a loan from the guild bank or make a repayment
[Screenshot placeholder]
Pay your bills. Protect your score.
Admins can configure recurring bills that members must pay to maintain their credit score. Missing a payment has consequences — a drop in credit score that can affect loan eligibility and other financial standing in the economy.
- /bills View your outstanding bills and make payments
[Screenshot placeholder]
Earn interest. Build wealth over time.
Members can deposit currency into a savings account and earn interest over time. A higher credit score unlocks better interest rates — rewarding responsible financial behaviour with passive income.
- /savings View your savings, deposit, withdraw, and check your interest rate
[Screenshot placeholder]
Who's the wealthiest in your server?
The leaderboard ranks every member by their wallet balance, giving everyone a live view of who's on top. It's a great motivator and a source of friendly rivalry.
- /leaderboard View the top wallet balances on your server
