Finance is the management of currency to promote progress.
Through the use of Contracts, Citizens in Eco can create loan and bond agreements between two parties, tracking automatically the interest payment and due date of the funds. Loans and bonds are a great way for new citizens to collaborate with long-time citizens with more wealth in a way that benefits both parties and increases societal progress.
If a citizen takes a loan, the offering party gives them money which they are expected to pay with interest. If a citizen purchases a bond, they give money to the offering party which they expect to be repaid with interest.
Penalties for defaulting on loans can be constructed using Laws, by watching for the Default on Loan/Bond trigger. Actions can then be taken, such as repossessing property or applying other penalties and fines.
🌱 Local AI
The descriptive prose on this wiki is written by a large language model — but it runs entirely on local, self-hosted hardware: a Gemma 4 E4B model on a single NVIDIA RTX 4070 in a home Unraid server.
Nothing you read here was generated by a commercial cloud API. The game data itself is pulled live from the Eco server; the AI only fills in flavor and gap text. Like any web server, this one keeps its own request log — including visitors' IP addresses — purely to run and improve the site; it is never sold or handed to a third party.
This wiki is one face of a larger Eco mod: Solomon, an in-world AI steward that runs the server's economy, posts help contracts, keeps a store, and answers players. The wiki reads the same live game registries and tools Solomon does — so the numbers stay true to the running world. Read more about the project →
✨ Ask Solomon
Ask me anything about the Eco game — recipes, skills, animals, biomes. I read this wiki to answer, and you'll watch me look things up.