| 🌍 Languages | 11 official languages | en, es, pt, de, fr, nl, pl, ru, hi, zh_CN, zh_TW |
| 🔌 PlaceholderAPI | Built-in placeholders | %vault_balance_formatted%, %vault_top_name_n%, %vault_ecobalanceXdp% and more — auto-registered when PAPI is present |
| 👤 SkinsRestorer | Player heads in menus | /pay shows online player heads; uses SkinsRestorer for offline resolution |
| 🗄️ Storage | YAML + MySQL | balances.yml by default; switch to MySQL via HikariCP (storage.use_mysql: true) |
| 🪝 Discord | Webhook notifier | Notifies transactions ≥ discord.threshold_amount, plus anti-dupe events and critical errors |
| 💰 Loans | Installment loans | Loan system with installments, interest, max_missed_payments and defaulted_effects (SLOW, SLOW_DIGGING, etc.) |
| 📊 Top cache | top.refresh_seconds | Async cache of the player leaderboard to avoid recalculating on every /vaultop |
| 🧾 Transactions | Full log | Dual DAO (FileTxDAO + MySqlTxDAO), DailyJsonLogWriter and history GUI (/vault history) |
| 🌍 Worlds | separate_worlds | Per-world separate balances (e.g. world_nether, mines) while maintaining the global legacy API |
| 📥 Import | EssentialsX | import.essentials.enabled imports balances from Essentials (/bal → Vault) without overwriting by default |
| ⚙️ Admin GUI | Config editor | /vault opens a menu to edit currency.*, pay_limits, loans.* without touching YAML |
