The bank offers the following services: Take Out a Loan. A character can borrow up to 10 GP from the bank with an interest rate of 1 GP per day. There’s no minimum payment due, but if the loan is left unpaid for long, word of the character’s financial insolvency spreads throughout the keep. Deposit and Withdraw Money. A character can deposit gold and other valuables at the bank. They can withdraw…

Dhakaani characters have generally been raised in Kech vaults, and a Dhakaani character's background reflects their role in the Kech. Actual criminals are quite rare in the tightly controlled systems of the Vaults, but Criminal, Charlatan, or Wayfarer could all be used to reflect the training of spies or Khesh'dar. Sage or Entertainer are both good options for a Duur'kala character, even though…

Staff, rare A mote of swirling, magic water circles the top of this wooden staff, which can be wielded as a magic Quarterstaff. The staff can also be used to make special melee attacks by extending and lashing out with the water. You’re proficient with these attacks, which have a reach of 10 feet, can use your Wisdom modifier for their attack rolls and damage rolls instead of Strength, and deal…

Domain of the Ancient Dead Darklord: Ankhtepot Genre: Dark fantasy Hallmarks: Ancient tombs, desert perils, lost gods, mummies Mist Talismans: Canopic jar, lapis lazuli scarab, scroll of hieroglyphics Aligned Tarokka Card: Monk Opposed Tarokka Card: Raven Untold generations of tombs and monuments choke on the obsidian sands of the desert domain of Har’Akir. Here, past splendors lie forgotten, and…

Manyhorn Guild Brokers are the senior officials who draft, organise, and oversee trade negotiations between their guild and other parties. These include negotiations between other Manyhorn guilds, as well as other cities, kingdoms, or political groups. Manyhorn Guild Brokers are generally exceptionally cool-headed, especially in a crisis. They pride themselves on their ability to use logical…

On the Elemental Plane of Earth, galaxies of gemstones twinkle over vaults of treasure. If dao are there, so is wealth worth hunting. —Gundren Rockseeker, Dwarf Treasure Hunter Genies of minerals and gemstones, dao embody the resolve of rock. Using innate magic, they move through the earth unimpeded, exploring depths inaccessible to most. Dao delight in the treasures of the earth, whether raw…

Members of the Kech Dhakaan can be found across the world, seeking information, relics, and pursuing the goals of their people. They can be deadly foes—or unexpected allies against a common foe. While most of the characters on the Dhakaani NPCs table aren’t spies, they won’t volunteer information about their people or background unless they come to know and trust someone; generally, they allow…

Karr’Aashta, a human investigator affiliated with the Finders Guild, runs a small agency in the Deathsgate district whose inquisitives can find out just about anything a client wants to know. Karr’Aashta takes on cases that other Finders Guild inquisitives won’t touch; he specializes in jobs involving the Cogs far below the towers of Sharn. This willingness to venture into the depths of the earth…

Ankylier Karls are the lowest members of Ankylier society, fulfilling menial tasks and hard labour. Karls are not generally treated with much respect, but are paid appropriately for their efforts by their Ankylier bosses. This allows for wealth to not necessarily be a reflection of social status within Ankylier society. Through an exceptional work ethic or extensive experience, Karls will be…

↓ Use Minimum Hit Points and Damage Rolls for this creature.

The guild’s influence is apparent. It is the most prominent money-lending entity in Morencia. As such, it provides loans to citizens, guilds, and government, with privately negotiate terms. Guild vaults offer asset protection bolstered by the Misty Reefs and magically warded by the Maegilate. The merger with the Augustine Trading Company expands their reach throughout Etharis and allows for…

Weapon (rapier), very rare (requires attunement) This item appears to be a sword hilt that has a small hole on either end of it. The hilt is made of clear quartz and contains an hourglass with sand inside it. Despite the holes on the hilt, the sand never seems to flow out of the hourglass. You can take a Bonus Action and use a command word to cause it to magically form a thin blade of sand. The…

Each Dark Bargain is unique, and a character can enter into a given bargain only once. A character could be bound to multiple Dark Bargains at one time, but each one only once.

Weapon (halberd), very rare (requires attunement) You gain a +2 bonus to attack rolls and damage rolls made with this magic weapon. Life Stealing. The weapon has 1d8 + 1 charges. When you attack a creature that has fewer than 100 Hit Points with this weapon and roll a 20 on the d20 for the attack roll, the creature must succeed on a DC 15 Constitution saving throw or be slain instantly as the…

Armor (double mail), uncommon Metal armor made of songsteel rings like a bell or chime when it clangs against an object. When wearing the armor, you can call out to Volund as a Bonus Action. Until the end of your next turn, you take 5 less damage from all attacks that hit you. Once you use this feature, you must finish a Long Rest before you can use it again. Also called tvifold brynja, the rings…

Origin Feat (Prerequisite: Dhakaani Ghaal’dar, Dhakaani Golin’dar, or Dhakaani Guul’dar) You gain the following benefits. Dreamwalker. You remain fully lucid when you dream and when you wake, you clearly remember everything that transpired. Mentor in the Uul. There is a spirit in the Uul Dhakaan that serves as your mentor. Work with your DM to develop the identity of this spirit; they could be…

Armor (ring mail), legendary You have a +3 bonus to AC while wearing this armor. This armor is leather armor with heavy rings sewn into it. The rings help reinforce the armor against blows from swords and axes. Ring mail is inferior to chain mail, and it's usually worn only by those who can't afford better armor.

The Kech Uul are a small clan. Their vault is a fortified monastery hidden deep in Khyber. This is the seat of the chot’uul, the monks who watch over the Uul Dhakaan and protect the dreams of the empire. This clan also has the largest number of uul’kala bards, and knows the most about how to produce Uul’kur and dreambound objects. The Kech Uul have yet to return to the surface of Khorvaire. Its…

The Plea. Chase requests the party’s assistance, as the Guild has called on Caset to do something that would jeopardize the future the siblings have worked so hard for, and ignoring the indenture would place a target on both siblings. We Are Family. Chase considers characters bearing the We Are Family mark of prestige from Castle Greyhawk part of their patchwork family and will remind them of…

Kalaash’arrna, a cunning orc man with the Mark of Finding, runs Information Acquisition, an inquisitive agency affiliated with the Finders Guild, in the district of Underlook. Information Acquisition (sometimes abbreviated to “InAc”) specializes in shadowing people, unearthing evidence of illegal or immoral behavior, and learning secrets that others would prefer to keep hidden.

Unfortunately, finding these dandyish devils’ contractual loopholes is not nearly as much fun as I had hoped. —ASTARION ON HARVESTER DEVILS

Armor (scale mail), very rare (requires attunement) You gain a +1 bonus to Armor Class while wearing this scale mail. The scale mail is enchanted to look like a scholarly or priestly robe. Mountain Walker. While you’re wearing this armor, Difficult Terrain composed of heavy snow, ice, rubble, or undergrowth doesn’t cost you extra movement. Grasping Tendrils. As a Magic action, you can activate…

While the Dhakaani are renowned for their weaponcraft, it may be surpassed by their skill with fortifications and civic engineering. Many of the greatest cities of the Five Nations are built on Dhakaani foundations, and ruins of other Dhakaani fortresses still linger after many thousands of years. These techniques are the treasure guarded by the Kech Draal, and Draal daashor specialize in…

Karas was born to a distant branch of the Chembryl family living in Waterdeep. Though that side of the family had long since abandoned service of Bane, Karas began to exhibit signs of that god’s blessing: a callous silver-tongue, an unnaturally intimidating presence, and an affinity for occult magic. Out of fear, Karas’s parents discouraged her from using her gifts, hiding their family’s history…