The Avaricious

You have made a deal with an extremely greedy and powerful being. This deal has been made under the pretense that by investing in your strength, you will in turn bring them riches.

By making this pact, your end of the deal is simple: use your new powers to obtain gold or valuable items. In turn for trading gold and valuables to this being, you will be given small portions of this being’s immense magical power.

Transactional Magic

When you cast a Warlock spell/cantrip, you can choose to sacrifice 15 gold towards one of the following:

• Greedy Mark: If this spell hits/succeeds, the target must make a wisdom saving throw equal to your spell save or be overtaken by greed and attempt to steal from their nearest ally for their valuables until the start of your next turn.

• Insider Trade: If this spell hits, target takes 1d6 extra damage. If the spell kills, you gain back 5 gold (or equivalent).

These effects can be used an unlimited amount of times, but cost 10 more gold each time they are used (15, 25, 35, etc). This resets after a long rest.

Barter/Loan

Once per long rest, you can barter with your patron and do a trade for some of your items. Instead of trading you gold, they instead trade with you in strange coins, marked with some sort of symbol or identifier. These are not legal tender anywhere in the world, though celestials, infernals, and powerful magic users may find interest in them. These coins can be used, however, in place of gold for the purpose of Transactional Magic

Alternatively, if you do not wish to or have no items to trade, you can ask your patron for a loan, promising that you will pay it back with interest (1d4 times the amount of days passed before paying). Be careful though, failure to pay over a long period of time may find you waking up one morning to see that a chunk of your gold or valuables are gone mysteriously. 

Big Spender

Your knowledge of trade and your ever present business partner in your patron has given you a feeling of financial freedom.

You now have the ability to increase the potency of your Transactional Magic by doubling the amount of gold you sacrifice, Greedy Spell giving a +4 bonus and Insider Trade dealing 2d6 extra damage and giving back 10 gold on kill.

You also have the ability to trade with or get a loan from your patron every short rest as well.

(6th level)

Spectral Debtor

Once per long rest, you can summon a spectral debtor to your aid. This debtor can do one the following:

• Negate the cost of 3 Transactional Magic uses

• Give advantage on money related charisma checks for 5 hours (it follows you invisibly)

• Safely hold on to items for you, holding them in another plane until you summon them again

Whichever effect you choose, you must do so before summoning it, and you cannot change which effect it has until it is summoned again.

(10th level)

Monetary Sink

Your patron considers you an extremely valuable asset. You gain the following:

• You add +10 to all checks involving money

• Once per long rest, you can turn yourself to gold as a reaction to being attacked, adding a +7 to your ac OR reducing incoming damage by 1d10 times your charisma modifier, you can choose after knowing the attack roll but before knowing the outcome.

• You can now barter or ask for a loan at will

(14th level)