Description
The Currency Hollow occupies a naturally defensible location within the settlement, built into an immense ancient oak whose hollowed trunk formed through centuries of controlled decay without harming the still living outer shell. The tree stands over fifteen feet in diameter, with wood and bark several feet thick, creating a natural vault wall. Goodberry magic has reinforced the living wood so it is as strong as stone while it remains organic, healthy, and capable of growing and healing. Access is gained through a single reinforced ironwood door facing the most secure area of the settlement, treated to equal steel in strength without corroding, wrapped in chemically hardened iron bands, fitted with multiple heavy locks, and equipped with a barred glass window that allows guards to observe approaching visitors.
The interior extends both upward and downward, beginning with a main level that serves as a public transaction space. A massive polished oak counter divides customers from treasury staff, where deposits and withdrawals are recorded in ledgers, foreign coins from distant merchants are exchanged, and loans are arranged. The floor is smooth stone, carried in and set to be level and fire resistant. Small, high windows allow natural light while remaining too secure for entry. Below, a narrow stone stair descends through the root system into an underground vault chamber lined with fitted waterproof stone. Thick roots reinforce the structure, and climate controlled darkness holds iron strongboxes bolted to the floor, iron bound wooden chests for bulk currency, and smaller containers for precious metals and gems. Every item is logged in a ledger system and audited regularly.
Above the main level, a wooden staircase leads to an upper floor used for secure storage and administration. Here are the settlement’s financial records, including loan agreements, credit histories, property deeds, and other important documents stored in sealed cases that protect from moisture, fire, and pests. A private office allows the Treasurer to conduct confidential meetings with citizens requesting loans or discussing financial matters. This ensures privacy for personal business and maintains trust in the institution. The entire interior uses the tree’s volume efficiently, combining natural strength and thoughtful construction.
Security is maintained at all times through armed guards, at least two during business hours and one at night. These guards are chosen for reliability, personally sworn to the Duke, and compensated well to reduce temptation toward corruption. The surrounding area is kept clear for sightlines, preventing unseen approaches. The ancient oak itself, awakened by Goodberry magic, has a dim awareness that allows it to sense and alert guards to attempts at digging under roots, climbing the trunk, or bypassing the entrance. These protections ensure that currency, valuables, and financial records remain safe within the fortified site.
The Currency Hollow provides essential services that support economic growth. Citizens can deposit savings securely, merchants can obtain loans at reasonable interest rates to fund inventory, and currency exchange allows foreign traders to convert coins at fair values. Letters of credit enable large transactions without transporting physical currency, reducing risk. The institution provides fairness, reliability, and a symbol of maturity within the Elderwood Grove’s trading community. It is a vital financial center where secure storage, lending, and trade support the prosperity of the settlement.
Benefits
The Currency Hollow provides secure banking services for the settlement. Citizens and merchants can deposit funds safely, reducing the risk of theft from homes. The facility can issue loans for major purchases or business ventures, generating 120 gold per month in interest income for the settlement. The building generates 3 Prestige, reflecting the settlement's economic sophistication and financial trustworthiness.