ContentsThe Stonk Exchange · Stonk Bonds
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The Stonk Exchange

Lock chips, get paid every night

A bond locks some of your chips for a few nights. It pays a set amount every night, and your chips come back with the last payment.

  • 2 or 3 nights
  • Fixed terms
  • Chips back at the end

What it is

A bond, in one line

Bonds are listed on the Exchange's Bonds tab through the day. Each one has its terms printed on it, and they never change.

  1. 01Read the terms

    A size in chips, 2 or 3 nights, and a set payment a night.

  2. 02Buy it

    That many chips are locked. You can't spend them while the bond runs.

  3. 03Get paid

    Every 24 hours from the purchase you get that night's payment. Your chips come back with the last one.

The board

A few bonds at a time

Each bond is for sale for a short window. New ones appear through the day.

  1. 01Standard

    The everyday bonds. Most of the board.

  2. 02Hot

    Hot bonds are bigger and pay more a night.

  3. 03Headline

    A few big bonds a day, at random moments. Watch the board.

Each player has a daily limit on hot and headline bonds. The Bonds tab shows what you have left today.

While it runs

Locked chips still count

Chips in a bond are not lost to your tower. Until they come back, they still count:

  • toward your tower's floors,
  • toward being a player,
  • toward your .

Which chips

Cashable in, Cashable out

You can buy a bond with locked chips, which unlocks them: a bond's payments and the chips returned at the end arrive as chips you can cash out. Payments arrive as Cashable chips. can't buy bonds.

Stonk Bank

Buy with 20% down

On the Bonds tab, a second button on a bond buys it with 20% of the price. The bank adds the rest.

  1. 01You put in 20%

    You pay a fifth of the price. The bank adds the other four fifths, so the whole bond is bought.

  2. 02The payments are yours

    Every night's payment comes to you, all of it. The bank takes none of them.

  3. 03The bank is paid first

    When the bond ends, its chips pay the bank back, with a day's interest for each day. What is left is yours.

A worked example. The same sums are in the buy window before you press the button.

QuestionA 10,000-chip bond · 2 nights · 0.75% a night
You put in2,000
The bank adds8,000
Paid to you each night75 (2 nights: 150 in all). Always yours.
When it ends, the bond pays 10,000 backthe bank is paid first, you get the rest
the bank takesabout 8,081 (its 8,000 plus 2 days at 0.5%: about 81)
you getabout 1,919
You end withabout 2,069: +69, +3.5% on your 2,000
Rounded, at the bank's 0.5% a day. Every bond on the board pays at least 0.5% a night, more than the bank's interest on its part, so you end above what you put in.

The bank's interest is the bank's rate, not the bond's, and it is taken from the chips that come back, never from you in between. The exact amounts are worked out to the hour, so they can differ by a chip. More on the Stonk Bank page. Nothing here is a promise or advice.

Who pays

The Bond Reserve

Bonds are paid by the Bond Reserve. It is house money, not other players' money.

  1. 01Funded daily

    Each day it is topped up from a share of what the city's businesses kept.

  2. 02Set aside first

    Before a bond is listed, all of its payments are set aside. The Reserve never promises more than it holds.

  3. 03Buys shares too

    It buys shares in the city's companies a little at a time, and never sells them.

The Reserve's own page on the Bonds tab shows it all: what it holds, what is set aside and what it bought.