> ## Documentation Index
> Fetch the complete documentation index at: https://docs.aps-store.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Savings

> Set up savings accounts in aps_banking: interest rate and interval, payouts for offline players, the deposit cap and the optional deposit lock.

Savings settings live in `config/savings.lua`. Players open one savings account on the Savings page, and deposits, withdrawals and transfers go through the buttons on that page.

## Interest

```lua theme={null}
interest = {
    rate       = 2.0,      -- percent per interval
    interval   = 'week',   -- 'hour' | 'day' | 'week' | 'month'
    maxPayout  = 50000,    -- most one period pays, 0 = no limit
    minBalance = 100,      -- below this nothing is paid
    catchUp    = 8,        -- periods paid after downtime, 0 = all
},
```

Interest is paid once per period, for offline players too. It is calculated on the **lowest balance held during the period**, so money moved in right before the payout earns nothing until the next one. The balance stops at `depositCap`.

Weeks start on Monday and periods follow UTC.

## Deposit cap and lock

`depositCap` is the highest balance. `lockMinutes` keeps a deposit from leaving for that time, which makes moving money in and out less attractive. Leave it at `0` to turn it off.


This documentation is built and hosted on [Mintlify](https://mintlify.com), a developer documentation platform.