debt interest are back

Istrid Horn

Monsters Waterdeep: Dragon Heist

out of a heavily guarded warehouse in the Dock Ward, offering loans to those in need of coin. Her interest rates are comparable to those of her competitors (including noble families of bankers such as

the Cassalanters and the Irlingstars), but the penalties for not paying back Istrid's loans are severe. Istrid worships Vergadain, the dwarven god of wealth and luck. She likes having others indebted

Kolyarut

Monsters Planescape: Adventures in the Multiverse

their questions have been satisfied, they report back to their creator, allowing the Kolyarut to impose accurate judgments. Kolyaruts are four-armed beings of magic and machinery. Like maruts, they

through any who obscure the truth. Occasionally, the Hall of Concordance loans kolyaruts to lawful beings who have inherent interest in the orderly functioning of the multiverse, aiding them in seeking answers of planar importance.PoisonThunder; Bludgeoning, Piercing, and Slashing from Nonmagical Attacks

Emerald Dragon Wyrmling

Monsters Fizban's Treasury of Dragons

dragon ages. Eventually, the scales become translucent and shimmer in the light, rippling as the dragon moves. The dragon’s horns and spines hover above the body, moving and shifting along the back

least get close without arousing suspicion. Once in a position to observe, the dragon studies the day-to-day life of local folk, with a keen interest in any magical phenomena. Emerald dragons&rsquo

Young Emerald Dragon

Monsters Fizban's Treasury of Dragons

the back and tail to mirror the dragon’s mood. Clever Concealment The shyest of the gem dragons, emerald dragons are also the most curious. They love to observe local settlements and peoples

, or at least get close without arousing suspicion. Once in a position to observe, the dragon studies the day-to-day life of local folk, with a keen interest in any magical phenomena. Emerald dragons

The Abbot

Monsters Curse of Strahd

than its own, or back into its true form. It reverts to its true form if it dies. Any equipment it is wearing or carrying is absorbed or borne by the new form (the Abbot's choice). In a new form, the

languish in the abbey's madhouse, the Abbot is giving his creation lessons in etiquette and ladylike conduct so that “she” can be formally presented to Strahd and win his love. Strahd has no interest

Hulgaz

Monsters The Book of Many Things

long, snakelike tail. In the midst of a conversation with an especially tantalizing victim-to-be, Hulgaz can’t help but whip her tail back and forth with excitement. Selfless heroes and true

martyrs pique Hulgaz’s interest because she loves the challenge of twisting and defiling the souls of such noble beings. She responds to unwavering do-gooders by redoubling her efforts to corrupt

Ancient Emerald Dragon

Monsters Fizban's Treasury of Dragons

scales become translucent and shimmer in the light, rippling as the dragon moves. The dragon’s horns and spines hover above the body, moving and shifting along the back and tail to mirror the

arousing suspicion. Once in a position to observe, the dragon studies the day-to-day life of local folk, with a keen interest in any magical phenomena. Emerald dragons’ attentiveness to unusual

Adult Emerald Dragon

Monsters Fizban's Treasury of Dragons

. Eventually, the scales become translucent and shimmer in the light, rippling as the dragon moves. The dragon’s horns and spines hover above the body, moving and shifting along the back and tail

close without arousing suspicion. Once in a position to observe, the dragon studies the day-to-day life of local folk, with a keen interest in any magical phenomena. Emerald dragons&rsquo

Sapphire Dragon Wyrmling

Monsters Fizban's Treasury of Dragons

their lairs fiercely, ambushing intruders and plotting assaults against their rivals. The sonic pulse of their breath weapon sows weakness, leaving the victims unable to fight back. Luminous Blue

"} Connected Creatures 1 After being robbed by gnomes who had pledged to protect the hoard, a sapphire dragon wyrmling installs new guardians that have no interest in material riches: gelatinous cube

Young Topaz Dragon

Monsters Fizban's Treasury of Dragons

spines that run in a ridge from the crown of the head to the tip of the tail. These spines hover above a living topaz dragon’s back, dancing and shifting with the dragon’s mood. Embodiment of

topaz dragon their monarch, despite the dragon’s complete lack of interest and growing annoyance toward them. Cold, Necrotic

Eye of Fear and Flame

Monsters Infernal Machine Rebuild

living, commanding individuals to perform evil deeds of the undead's choosing or be destroyed. If its commands are not obeyed, an eye of fear and flame throws back its hood to reveal its skull—set

to murder an innocent, with the argument that not doing so will result in some greater evil taking place. Ultimately, the success or failure of the task is of less interest to the eye of fear and

Orzhov Representative

Backgrounds Guildmasters’ Guide to Ravnica

draw the blood of your enemies, or even directly touch their souls. Suggested Characteristics Members of the Orzhov Syndicate range from the decadent nobility at the top of the oligarchy to the debt

the flesh as long as possible, and as a spirit afterward. (Any) Bonds d6 Bond 1 The unbearable weight of my debt has driven me to desperation. 2 I’m duty-bound

Tabaxi Legacy

Species Volo's Guide to Monsters

We had a tabaxi come through once, a few winters back. She kept the taproom packed each night with her stories and spent most days napping in a chair in front of the fireplace. We thought she was

instruments, tell stories, and offer exotic goods in trade for items that spark their interest. Tabaxi reluctantly accept gold, but they much prefer interesting objects or pieces of lore as payment. These

Selesnya Initiate

Backgrounds Guildmasters’ Guide to Ravnica

public argument with an Izzet chemister, and neither of us is allowed back into that restaurant. 7 I paid off my debt to the Orzhov Syndicate, but my good friend was not so lucky and remains

my former guild and joined the Selesnya along with a close friend. 4 The dryad at the head of my enclave has taken an interest in my activities. 5 A sibling is an instructor at the guild

Courtier

Backgrounds Sword Coast Adventurer's Guide

life, your relationships with your former fellows can be an advantage for you and your adventuring comrades. You might undertake missions with your new companions that further the interest of the

intrigues of interest in the group are. Suggested Characteristics Use the tables for the guild artisan background in the Player’s Handbook as the basis for your traits and motivations

Sage Legacy

Backgrounds Basic Rules (2014)

You spent years learning the lore of the multiverse. You scoured manuscripts, studied scrolls, and listened to the greatest experts on the subjects that interest you. Your efforts have made you a

life for the answer to a certain question. 6 I sold my soul for knowledge. I hope to do great deeds and win it back. d6 Flaw 1 I am easily distracted by the promise of

Urchin Legacy

Backgrounds Player’s Handbook (2014)

of questions. 3 I like to squeeze into small places where no one else can get to me. 4 I sleep with my back to a wall or tree, with everything I own wrapped in a bundle in my arms. 5

. 3 I owe my survival to another urchin who taught me to live on the streets. 4 I owe a debt I can never repay to the person who took pity on me. 5 I escaped my life of poverty by

Gnome Legacy

Species Basic Rules (2014)

stare, then appeared to go back to sleep. — Richard Lee Byers, The Black Bouquet A constant hum of busy activity pervades the warrens and neighborhoods where gnomes form their close-knit

excitement. Their fair hair has a tendency to stick out in every direction, as if expressing the gnome’s insatiable interest in everything around. A gnome’s personality is writ large in

Criminal / Spy Legacy

Backgrounds Basic Rules (2014)

everyone. (Good) d6 Bond 1 I’m trying to pay off an old debt I owe to a generous benefactor. 2 My ill-gotten gains go to support my family. 3 Something

important was taken from me, and I aim to steal it back. 4 I will become the greatest thief that ever lived. 5 I’m guilty of a terrible crime. I hope I can redeem myself for it. 6

Verdan

Species Acquisitions Incorporated

. Reality is a descent into chaos punctuated by brief flashes of order, whence we arose and so imagine it to be the norm rather than a distant outlier. That-Which-Endures held entropy back for a mere instant

little interest in what people say about it. Ongoing Mutations Because the verdan have not dwelled long in the world, they are still discovering new things about themselves. Chief among these

Urban Bounty Hunter

Backgrounds Sword Coast Adventurer's Guide

take a trip down the Styx for all I care. (Neutral) 6 Redemption. There’s a spark of good in everyone. (Good) d6 Bond 1 I’m trying to pay off an old debt I owe

to a generous benefactor. 2 My ill-gotten gains go to support my family. 3 Something important was taken from me, and I aim to steal it back. 4 I will become the greatest thief that

Aarakocra Legacy

Species Elemental Evil Player's Companion

back into the air. Those that make it to a world in the Material Plane find it a strange place. They sometimes forget or ignore vertical distances, and they have nothing but pity for those earthbound

it hard not to pluck the treasure and bring it back to their settlement to beautify it. An aarakocra who spends years among other races can learn to inhibit these impulses. Confinement terrifies the

Sage - Baldur's Gate

Backgrounds Baldur’s Gate: Descent into Avernus

. You scoured manuscripts, studied scrolls, and listened to the greatest experts on the subjects that interest you. Your efforts have made you a master in your fields of study. Skill

back. d6 Flaw 1 I am easily distracted by the promise of information. 2 Most people scream and run when they see a demon. I stop and take notes on its anatomy. 3

Criminal - Baldur's Gate

Backgrounds Baldur’s Gate: Descent into Avernus

old debt I owe to a generous benefactor. 2 My ill-gotten gains go to support my family. 3 Something important was taken from me, and I aim to steal it back. 4 I will become the

realizing the connection. You got the Guild to back off demands for your death by offering to make amends by working for the criminals, but even so the kingpin still plots a personal revenge. 2 The

Removing the Gold

Compendium - Sources->Dungeons & Dragons->Waterdeep: Dragon Heist

reminds them that were it not for his starting them off on this adventure, they wouldn’t have the gold in the first place. Jelenn Urmbrusk, a Masked Lord in debt to Manshoon, requests an interest-free

form of several people who beg loans or donations from them: Emmek Frewn (see “Business Rival: Emmek Frewn,” chapter 2) needs 1,500 gp to pay off a loan with interest. If he doesn’t repay the coin in a

Urchin - Baldur's Gate

Backgrounds Baldur’s Gate: Descent into Avernus

. 3 I like to squeeze into small places where no one else can get to me. 4 I sleep with my back to a wall or tree, with everything I own wrapped in a bundle in my arms. 5 I eat like

owe my survival to another urchin who taught me to live on the streets. 4 I owe a debt I can never repay to the person who took pity on me. 5 I escaped my life of poverty by robbing an

Orzhov Syndicate

Compendium - Sources->Dungeons & Dragons->Guildmasters' Guide to Ravnica

financial, with the two functions closely related. As Ravnica’s dominant church, the Orzhov continues to preach an oppressive message that equates sin with debt and promises forgiveness to those who

make tithes and donations. As Ravnica’s principal bank, it stores and secures the riches of the city, collecting interest at high rates to expand its own wealth. Its members truly believe that their

Approaching the Wandering Emporium

Compendium - Sources->Dungeons & Dragons->Baldur's Gate: Descent into Avernus

understandable in all languages, simply states: “All are welcome here. No fighting! No spellcasting! No exceptions!” Mahadi greets all visitors, directing them toward whatever establishments interest them the

most while reserving the highest praise for his own beloved restaurant and spa, Infernal Rapture. There, he fulfills their every desire in an attempt to place them in his debt. If this doesn’t work

Yuan-ti Pureblood Legacy

Species Volo's Guide to Monsters

interest of maintaining the strength of their personal bloodline. The yuan-ti have abandoned their humanity and consider non-serpentine humanoids to be lesser creatures, barely more civilized than

’ serpent gods into their religions. These victories sent a constant influx of food, ore, and slaves back to the home cities. The wealth of the empire allowed the ruling elite plenty of time to

What Coalition?

Compendium - Sources->Dungeons & Dragons->Spelljammer: Adventures in Space->Light of Xaryxis

interest in battling the Xaryxian Empire, which seems only a distant threat to them. They would rather fight among themselves. You saw for yourselves how prickly the aartuks were. My peaceful entreaty

not lost. I’ve learned that the factions are in debt to a mercane named Vocath. He might be willing to help us … for a price.” Questioning Warwyck Characters who have questions about Vocath can get

Chapter 8: Audience in Gauntlgrym

Compendium - Sources->Dungeons & Dragons->Out of the Abyss

Chapter 8: Audience in Gauntlgrym After their escape from the Underdark in chapter 7, the adventurers have time to rest, recuperate, and reorient themselves back in the surface world from which they

experiences in the Underdark. Representatives of several factions with an interest in what is happening in the Underdark will also be in attendance. Following the audience, Bruenor extends an offer to the characters, who are tasked with returning to the Underdark once more on a perilous mission.

Blackmailed Lords

Compendium - Sources->Dungeons & Dragons->Waterdeep: Dragon Heist

illegal activities. The characters are most likely to encounter Corylus as he travels through the city by coach, accompanied by six human guards who watch his back and keep the rabble at bay. Corylus

to get out of debt. Several bad investments ruined her money-lending business, and most of her reliable customers have turned to other providers such as the Cassalanters. Jelenn could have borrowed

Abyssal Throne Gate

Compendium - Sources->Dungeons & Dragons->Lost Laboratory of Kwalish

creature might have knowledge to impart, a debt to repay, or a grudge to have righted. You could even have creatures from the two gates know of each another — and, as with the monastery’s sphinx and brains

. A follow-up successful DC 15 Intelligence (Religion) check can then trigger ritual magic that reverses the flood of ooze and sends it back to the Slime Pits. However, if this check is failed by 5 or

Dinosaur Racing

Compendium - Sources->Dungeons & Dragons->Tomb of Annihilation

racer or throw its rider), so many bets can win in the course of a single race. Losers are expected to pay up in a timely fashion. Those who don’t are visited by a debt collector backed up by Chultan

legbreakers (1d4 + 1 thugs or gladiators, depending on the level and reputation of the bettor). Port Nyanzaru bookies never forget a debt; even a year away on an expedition into the jungle isn’t long

Gnomes

Compendium - Sources->Dungeons & Dragons->Mordenkainen's Tome of Foes

life of a gnome, whether one is investigating the nature of magic or trying to invent a better back scratcher. Questions about the world fill a gnome’s head: how an insect flies, a fish swims, or a

interest in mechanical devices, the natural world, and magical pursuits; a gnome might seek to invent a new garden tool, collect and categorize every type of butterfly, or develop a new method for cutting gemstones.

D&D Beyond

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