The Zambein Kingdom had not yet developed any services similar to a bank.
While the people here understood the concept of interest, and a very small minority even grasped usury—that is, compound interest—most lacked any knowledge in this area.
Within the Zambein Kingdom, the value of gold and silver coins was relatively stable. The one-to-twenty-four ratio was stipulated by law and also reflected the reality of current circulation.
However, Fang Zhen was now proposing to exchange twenty-five silver bricks—worth two thousand five hundred Silver Coins—for one hundred Gold Coins.
With this exchange rate, they would receive one extra silver brick.
In this era, with production technology long stagnant, agricultural output was virtually fixed—and could even decrease due to factors like weather or war.
The exchange rate Fang Zhen offered yielded a return of over four percent, which was already a remarkable profit.
