Dragon Vault - A Tale of Riches & Ruin

Publisher: Dungeon Masters Guild

At lower levels, adventurers scrape for coin, haggle over supplies, and risk their lives for modest rewards. But at higher levels, gold begins to lose its edge. Coin purses grow heavy, coffers overflow, and the question shifts from “Can we afford this?” to “What do we do with all this money?”

The answer, for some, lies within the Dragon Vault: a powerful financial institution funded by wealthy individuals, influential guilds, and far-sighted patrons who understand that idle gold is wasted potential. Acting as both bank and broker, the Vault gathers vast sums of capital and redistributes them into promising ventures across the realm. Entrepreneurs, inventors, merchants, and visionaries come seeking funding, while investors seek profit, influence, or something more elusive.

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This downtime activity allows characters to engage with their wealth in a meaningful way. By investing in ventures, they can attempt to grow their fortunes, gain influence, acquire unusual assets, or create new story opportunities within the campaign.

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