UPDATE 1.9
🕑 Added 2019-04-12 10:53:17 +0000 UTCHi guys!
Update ready for download.
This update adds a Banking System. The bank can be built through the Department of Engineering.
At the moment, the Bank is displayed in the City Hall. In the new version of the city, it will be a separate building.
Pre-study the FAQ on the bank. We have tried to take into account all the main issues. For questions that we did not consider, write in the comments.

In order to take advantage of lending, you need to build a bank and make a request to any bank that interests you.
In order to issue loans, you will need to register with the Intergalactic Banking Association. To do this, you need to make 100,000 on the initial capital of your bank.
Bank name must be unique. In addition, changing the name of the bank is a paid service in the IBA system. This is done to limit frequent changes that may cause confusion for your bank customers.
The banking system at this stage can be useful for obtaining fast loans for the development of the colony. Later, after we open the Intergalactic Market, the extra funds will be more relevant.
In order to avoid excesses, loss of your funds, customers, and other operations with the purpose of deception, bank lending will be available only for the version of the patrons.
Unfortunately, we did not find a way to protect banks from unreliable customers.

We added the possibility of changing the player's name in the administration building. This can be useful to those who unsuccessfully created their name. The player's name is displayed as a client for the bank when you take out a loan.
This is briefly about the system. The structure of the banking system is described and shown in the FAQ.
For all possible questions we will answer in the comments.
Have a nice day, see you.
Comments
PANDORIUM
Oh. Thanks for the feedback!
Pandorium- just wanted to send up some Praise- phenom game with great motion graphics and HUGE potential for continued growth. You have a big vision! Great work, really great work --
PANDORIUM
Yes. This is a visual error. A future update will fix this. This message is written instead of the message that the bank is built. I checked and your bank is built.
I just loaded 19.0 on another computer and the same issue, the bank says "coming soon", I have waited for this to come to a reality. Please look my account my world is # 132. Thanks.
LordFoul
If you have nothing to lose, just restart. Trial and error my friend.
Correct, as a Jetset the bank option went away, no idea why.
PANDORIUM
I did not understand. You can not build a bank? Then you use the public version.
The bank came up once, now it says coming soon, did something changed, thanks
PANDORIUM
After testing this system, we want to transfer it to the general part of the game. Thank.
PANDORIUM
Not. The bank will charge you a percentage for economic transactions. Trade, quests ... Any action that brings you money will automatically be deducted part of the amount to pay the fine.
PANDORIUM
The level rises from the transactions.
PANDORIUM
In this case, the bank offer is not displayed in the general list. If the bank cannot give the maximum amount stated in the offer (even if 100 coins are not enough up to the stated amount), then its offer will not appear in the lists.
PANDORIUM
The banker sees real-time client statistics. What decision a banker makes is at the discretion of the banker.
PANDORIUM
Thank. We will check it out.
PANDORIUM
You may have a damaged file. It is required to delete the folder with the game and reinstall it.
LordFoul
Side note: Being able to chat in game with other players (Bankers) is very cool. Thank you!
LordFoul
While I am at it: A question for Dev. If I am in debt to a high level Bank, and they can extract my colonists as payment: What would they receive? My lowest level? My highest level? My unique? or would it be random? And would it be a free colonist or working?
LordFoul
Last: Bank experience. Since I have been receiving loans form various Banks; I have noticed their levels rising. Even when it is only for a loan for 10 credits. In a word: Your welcome :) My hope is someone will post more info on banking at the Wiki. Cheers!
LordFoul
Second: A banker can withdraw funds. If I have 4 million I can open a bank with a 4 million credit line and be on top of the list, hooray! Now with that established, I can withdraw some or all the money. I am still on top, ego wise, but no one is getting a loan any time soon. In a word: Fake banks. I hope that is addressed at some time.
LordFoul
So, after watching all the banking videos on Youtube; I have a couple of comments. First: I did not know the bankers can see your resource storage stats and number of colonists. I feel so...exposed. LoL. I wonder how the bankers process this information? For example: I keep my colonists under 200 (for manageability) Keeping only the choicest of the bunch. I make over 100k a day hustling colonists through quests and sale. Since I have so few colonists, I have a abundance of food. I sell the extra food on the spot or wait to reach 100,000 to fetch a sweet 225,000. Since my mines are only level 6, I have to store until I am able to upgrade, and then it is down to zero again. So now I repeat: How do bankers process this information when storage amounts and colonists can fluctuate at any given time?
Candy Worthy
there seem to be a bug where, if you have incoming messenges in the bank, and remove the offers, they won't show, and they don't get deleted so the number stays as x/z
Candy Worthy
that is stupid, it's realtime days, if it was in-game it would be like a couple of minutes or hours
Candy Worthy
it's not that some of us don't want to be a banker, it's just that some of us just doesn't have the money to spend over 1,5m to add in the bank yet
Candy Worthy
either run as admin or reinstall the game, you could also update adobe.air
Martin Hunt
Is anyone else having a problem with the mines? I am following through the tutorial and when I attempt to go to the mines the screen just gets stuck on 100%.
NorrinRadical
Stupid question - the repayment time for loans, is that realtime days or in-game days? Think I already know the answer, just need to hear it.
PANDORIUM
Hello. If you have previously activated the code, the system will make changes automatically.
PANDORIUM
run as admin
LordFoul
I've been playing this game for years, but my farm beds are only level 9. I would love to take out a loan of 1.6 million (to raise them to level 10) I could also just do one quest to pay the interest ( 2 humans 15 end) But there are only 4 banks that have capital of over 1,500,000. Just saying: If your gonna be a banker: Higher capital.
Kawa
I have, it still doesn't work.
LordFoul
Terms and conditions...I'm confident that the dev will handle ranking the banks. Any input on my end would be biased by my time-zone and playing schedule. But I continue to experiment and test the banking structure. My current opinion on how to get the quickest loan: Apply at numerous banks with comparable terms and conditions. Then accept whoever approves the loan first. You then may cancel any and all pending or approved requests. The devs did a good job with that issue; I was concerned I would be bound with multiple loans after they were approved by said banks. Even after a bank approves a loan; the customer has final say on whether to commit or not.
Kyle Aiken
it works now. thanks for the tip Richmeister!
so the pandorium adobe.air launcher doesnt work any help?
Richmeister
you need to run the program as "Administrator" to get it to update
Kawa
Hello, I have paid for the celestial about 2 days ago, but I can't access my home or phone. I've tried uninstalling and installing again (4 times) but it did not work. Do I have to wait for some sort of code?
Kyle Aiken
so the progress bar for the update download is stuck at 1/55 at 100%. and it stays this way for hours, what gives?
PANDORIUM
We will check what could be the reason ... But this should not be.
PANDORIUM
Great, look at the results of your experiment.
Hi, i have a problem cant seam to create a bank, once i klick on create i get the mesage i was disconected from pandorium servers, tried this several times, any tips how to fix it?
Candy Worthy
the idea is that asians are usually small and petite, as in real life, but in this game it's to show the difference between european and asian, not only that, but hair, eyes and pubic hair can also show the difference in race. not often however.
Stojan Jakotić
On a completely unrelated note, are Asian females more restricted when it comes to body types? Seems like the biggest breast and hip sizes are limited to European and African.
Stojan Jakotić
And the highly trained colonists / offspring of the bonus colonist are going to generate more money, which should make paying any debt much easier.
LordFoul
Winning the Game Events requires large sums of money (for training) to win. The Events also have time limits to complete. Being able to borrow the money will give more people a chance to win.
LordFoul
Winning the Game Events requires large sums of money (for training) to win. The Events also have time limits to complete. Being able to borrow the money will give more people a chance to win. So you borrow the money, train your people, win event, receive a unique colonist, and then pay your loan back with part of your winnings.
Hecatonchire
Sorry but I can't figure a situation where the bank (as it is now) is usefull... Why take a credit when you just have to wait to sell minerals or food and get the money you need ??
PANDORIUM
:) make changes
PANDORIUM
Yes. But this is the will of the issuing bank. Very humane :)
So.... is it just me or does every bank offering 1% interest on their loans seem suspiciously pointless for the bank. I mean 1% of 100k is 1k y'all. Apparently Pandorium banks are actually charity institutions.
LordFoul
What is IBA; "IBA - Intergalactic Banking Association was created in order to create all the POLES of the world government into a single economic system." Being Polish, ahem, I find it amusing that we would be singled out! lol
PANDORIUM
We are going to add the ability to notify applications for a loan in the form of messages on game mail. But sending to real mail can look like spam ... We will think how to deal with it. But notifications about applications for the client and for the bank will be convenient. Because can forget to go to the bank.
PANDORIUM
Yes. This is necessary in order to get rid of possible spam offers. Also, the number of active offers increases with the development of the bank. Deactivation of offers will be convenient if new customers are not required for this offer.
Candy Worthy
I would also suggest that maybe it's time for some messages we get on our mails that are linked to this account from the game, meaning that if someone requests an offer and you're not on the game, you get notified on mail that someone in the game wants an offer you're selling since it would be kinda problematic for some people to always have the game open just to wait and see all the client requests
Candy Worthy
It does indeed look promising, a FAQ as well for both bankers and clients is very nice, not going to be a client myself of course, but either way that's good, i see that the idea of having multiple offers can be good, especially when you want to go a bit more advanced with, big interest, small loan or small interest, big loan, if you so choose, having different days to return for each offer is good, but i don't see the reason to have a certain amount of active offers when you can only make a certain amount of offers to begin with, atm everyone can have 2 active at once, but you can have made 3 offers, but you won't be using the last one. Is this for when you deactivate as in, it won't show up but the people that are clients on that offer can still use it, meaning you can add a different offer with a different amount for people to see in the offer list?
PANDORIUM
Thanks!
PANDORIUM
Before reinstalling, you need to delete the folder with the game. In other cases, the problem is connected with programs that block launching and connection with the server.
Hey! Great job on this update guys. Is that normal that the offer i create on the new bank system are not visible on the "bank offers" list? I check, the two offers i create are active. Is that normal that the creator of the offers can't see the in the list?
I'm just getting a black screen on login. Tried running as admin, reinstalling, etc. Glad to see it saves the mute music button though. Having that blow my ear drums out at max volume on startup was bad for my ears :P
PANDORIUM
Changes will enter automatically after processing the data by the system. This happens twice a day. I will now update the data manually, so you need to re-enter the game for the changes to take effect.
PANDORIUM
No. Run as admin.
PANDORIUM
Oh, Thanks! :)
Kawa
I've just paid $20 for the Celestial today, but I can't access my mobile or go to my house.
Ker'Mhod
Am I the only one with the download stuck at the end of the first download? (100% 20.7mb 1/55)
I have to say, this is a nice pice of work! Good job guys. Looks indeed very promising! Cheers ;)
PANDORIUM
Thanks
Candy Worthy
Looks promising, I'll mess around with it in a few hours when I get home, then I'll make a review