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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
metals and stones, such as coins and gems, within 60 feet of her.Istrid is regarded as the Black Network's Master of Trade and Coin in Waterdeep. The shield dwarf operates an illegal lending operation
Monsters
Mythic Odysseys of Theros
composition and craftsmanship. However, selling a Returned mask isn’t a simple matter of cashing it in for coin. Most people on Theros know the tales of the Returned and want nothing to do with
. Convincing a merchant to buy a Returned mask, or dealing with the ramifications of such a sale, might prove to be an adventure in itself.
Returned Nature. The Returned are undead. They need water
Monsters
Mythic Odysseys of Theros
approximately 100 gp, based on its composition and craftsmanship. However, selling a Returned mask isn’t a simple matter of cashing it in for coin. Most people on Theros know the tales of the
Returned are undead. They need water and air but not food or sleep. They think and speak and even feel emotions based on their new experiences, but given their circumstances, those emotions tend to be muted.PoisonNecrotic
Monsters
Mythic Odysseys of Theros
composition and craftsmanship. However, selling a Returned mask isn’t a simple matter of cashing it in for coin. Most people on Theros know the tales of the Returned and want nothing to do with
. Convincing a merchant to buy a Returned mask, or dealing with the ramifications of such a sale, might prove to be an adventure in itself.
Returned Nature. The Returned are undead. They need water
Magic Items
Acquisitions Incorporated
nondescript coin pouch
Sorcerer
A battered leather satchel, prone to spitting out multicolored sparks at the seams
Warlock
A patchwork monster-leather satchel with a “purely decorative
you really don’t want to know about, there is no chance for the spell to end.
That Thing You Need
At rank 3, you can use a bonus action to reach into your living loot satchel and make a DC 15
Monsters
Mythic Odysseys of Theros
. However, selling a Returned mask isn’t a simple matter of cashing it in for coin. Most people on Theros know the tales of the Returned and want nothing to do with such cursed relics or with those
a Returned mask, or dealing with the ramifications of such a sale, might prove to be an adventure in itself.
Returned Nature. The Returned are undead. They need water and air but not food or sleep
Species
Eberron: Rising from the Last War
establish the banking industry of Khorvaire. Anyone who makes a living from coin—from bankers to goldsmiths—likely learned their skills at House Kundarak. The security of banks bearing the
reputation for unshakable integrity. The house has no love of renegade dwarves using their marks to turn a profit, and such rogues strive to avoid the eye of Kundarak.
As the dwarves of the Mror
Backgrounds
Baldur’s Gate: Descent into Avernus
, and a pouch containing 10 gp
Feature: Ship’s Passage
When you need to, you can secure free passage on a sailing ship for yourself and your adventuring companions. You might sail on the ship
that will meet your every need. Your Dungeon Master will determine how long it takes to get where you need to go. In return for your free passage, you and your companions are expected to assist the crew
Backgrounds
Sword Coast Adventurer's Guide
You are the heir to something of great value — not mere coin or wealth, but an object that has been entrusted to you and you alone. Your inheritance might have come directly to you from a
, and might have set you on the path to adventure, but it could also come with many dangers, including those who covet your gift and want to take it from you — by force, if need be.
Skill
Compendium
- Sources->Dungeons & Dragons->Xanathar's Guide to Everything
Guilty Pleasure Most of what rogues do revolves around obtaining treasure and preventing others from doing the same. Little gets in the way of attaining those goals, except that many rogues are
enticed away from that path by a compulsion that clouds their thinking — an irresistible need that must be satisfied, even if doing so is risky. A rogue’s guilty pleasure could be the acquisition of a
Compendium
- Sources->Dungeons & Dragons->Wayfinder's Guide to Eberron
Holds include deep veins of precious metals and stones, and the dwarves have used this wealth to establish the banking industry of Khorvaire. Anyone who makes a living from coin — from bankers to
, Kundarak has worked to earn the trust of its clients and to establish a reputation for unshakable integrity. The house has no love of renegade dwarves using their marks to turn a profit, and such rogues will want to avoid the eye of Kundarak.
Compendium
- Sources->Dungeons & Dragons->Xanathar's Guide to Everything
official D&D source, such as a book or a PDF, to create a character. This restriction ensures that players don’t need to own a lot of books to make a character and makes it easier for DMs to know how all
Backgrounds
Guildmasters’ Guide to Ravnica
fight it off.
2
I assume that anyone outside the Golgari looks down on me.
3
I feel a need for revenge against those who enjoy the privilege of living above ground.
4
I don’t
bother to couch my opinions in flattering words.
5
I can’t help but pocket any trinket or coin I come across, no matter how worthless.
6
I’m convinced that I’m better and
Backgrounds
Guildmasters’ Guide to Ravnica
a belt pouch containing 1 pp (an Orzhov-minted 10-zino coin)
Feature: Leverage
You can exert leverage over one or more individuals below you in the guild’s hierarchy and demand their help as
purchase what I need.
6
I hate it when people try to make light of a serious situation.
7
I want to make sure everyone is aware of how wealthy, powerful, and important I am.
8
I can
Compendium
- Sources->Dungeons & Dragons->Lost Mine of Phandelver
decent coin as a burglar, enforcer, or fence. But you must have made an enemy among your fellow Redbrands. Someone set you up. On that person’s word, the head of the Redbrands—a wizard called Glasstaff
world a better place. But you have no interest in causing suffering or making things worse than they already are. View Character Sheet Downloadable PDF
Compendium
- Sources->Dungeons & Dragons->Eberron: Rising from the Last War
makes a living from coin—from bankers to goldsmiths—likely learned their skills at House Kundarak. The security of banks bearing the Kundarak manticore emblem is legendary. The house also provides a
renegade dwarves using their marks to turn a profit, and such rogues strive to avoid the eye of Kundarak. As the dwarves of the Mror Holds have come into increasing conflict with the daelkyr, Lord
Compendium
- Sources->Dungeons & Dragons->Ghosts of Saltmarsh
Mercenary Work Ingo the Drover is always on the lookout for skilled mercenaries to fulfill the contracts offered to him. He has a particular need for those who can serve as caravan guards, personal
protection for merchants, and sentries aboard docked ships. For each week of mercenary work, you earn the coin needed to sustain a modest lifestyle and an extra 2d10 gp. Additionally, roll a d20 at the
Compendium
- Sources->Dungeons & Dragons->Eberron: Rising from the Last War
Zil Characters As you develop a Zil character, consider the following factors: Family Ties. In a nation shaped by intrigue, you need someone you can rely on. For the Zil, that’s family. Unless you’re
appropriate, reflecting their love of intrigue. Classes that specialize in melee combat are rare among the Zil. The soldiers of Zilargo include rogues, bards, wizards, and artificers. The Trust. In
Compendium
- Sources->Dungeons & Dragons->Player's Handbook (2014)
in goods, bartering for what they need and paying taxes in grain and cheese. Members of the nobility trade either in legal rights, such as the rights to a mine, a port, or farmland, or in gold bars
, measuring gold by the pound rather than by the coin. Only merchants, adventurers, and those offering professional services for hire commonly deal in coins. Starting Wealth by Class Class Funds
Compendium
- Sources->Dungeons & Dragons->Basic Rules (2014)
in goods, bartering for what they need and paying taxes in grain and cheese.
Members of the nobility trade either in legal rights, such as the rights to a mine, a port, or farmland, or in gold bars
, measuring gold by the pound rather than by the coin. Only merchants, adventurers, and those offering professional services for hire commonly deal in coins.
Starting Wealth by Class Class Funds
Cleric 5d4 × 10 gp
Fighter 5d4 × 10 gp
Rogue 4d4 × 10 gp
Wizard 4d4 × 10 gp
Compendium
- Sources->Dungeons & Dragons->Sword Coast Adventurer’s Guide
Inheritor You are the heir to something of great value—not mere coin or wealth, but an object that has been entrusted to you and you alone. Your inheritance might have come directly to you from a
, and might have set you on the path to adventure, but it could also come with many dangers, including those who covet your gift and want to take it from you—by force, if need be. Skill Proficiencies
Compendium
- Sources->Dungeons & Dragons->Baldur's Gate: Descent into Avernus
Anywhere is Everywhere Geography warps at the whims of the Nine Hells. One of the liberating aspects of this planar feature is that you don’t need to be fastidious about keeping track of where
from one place to the next. For example, the characters might need to travel 6 miles to get from Fort Knucklebone to Haruman’s Hill, and 60 miles to get from Haruman’s Hill back to Fort Knucklebone. If
Compendium
- Sources->Dungeons & Dragons->Tasha’s Cauldron of Everything
Phantom Collecting the souls of your defeated foes in everyday objects—what a good idea. Though, I’d probably need an encyclopedia to hold all my anti-admirers.
Tasha
Many rogues walk a fine line
between life and death, risking their own lives and taking the lives of others. While adventuring on that line, some rogues discover a mystical connection to death itself. These rogues take knowledge
Compendium
- Sources->Dungeons & Dragons->Van Richten’s Guide to Ravenloft
. Visibly marked as outsiders by birth, circumstance, intention, or talent, the Carnival’s troupers trade their unique performances for coin and whatever else they need to survive. Although these
Compendium
- Sources->Dungeons & Dragons->Princes of the Apocalypse
. Haeler and his guards are preoccupied by the burning wagon, because they need to focus on removing the coin coffers. If no one from the encampment rushes to find who fired on them, the bandits return
Compendium
- Sources->Dungeons & Dragons->Baldur's Gate: Descent into Avernus
punch-drunk shipwright with no eyebrows Lala Stout (neutral evil lightfoot halfling spy), a scar-faced burglar flipping a coin Oloric Witmirth (neutral good human commoner), an impoverished playwright who
snooty apothecary wearing a colorful cape If the characters need help finding Tarina, a tavern regular, they are directed to the second floor (see “Dealing with Tarina”).
Map 1.2: Elfsong Tavern View Player Version
Compendium
- Sources->Dungeons & Dragons->Tyranny of Dragons
unable to locate an elusive foe, or have been captured by the cult and need inside help to escape, a Harper can offer up a secure hideout, a whispered clue, or a smuggled knife. Bards, rogues, and wizards
without arousing suspicion. NPC Harpers are the kinds of characters who consistently pop up when they’re least expected and most useful. If the characters need a safe house in a strange city, are
Compendium
- Sources->Dungeons & Dragons->Eberron: Rising from the Last War
cloak or disguise one’s appearance), and proficiency with skills such as Deception, Performance, and Sleight of Hand all greatly benefit the Chameleon. Bards and rogues, as well as characters with
Sleight of Hand and Stealth skills. Confiscators are often rogues, and many have a history of stealing for profit rather than national interest. Hunter. The Hunter stalks humanoid prey, for purposes
Compendium
- Sources->Dungeons & Dragons->Hoard of the Dragon Queen
unable to locate an elusive foe, or have been captured by the cult and need inside help to escape, a Harper can offer up a secure hideout, a whispered clue, or a smuggled knife. Bards, mages, and rogues
without arousing suspicion. NPC Harpers are the kinds of characters who consistently pop up when they’re least expected and most useful. If the characters need a safe house in a strange city, are
Compendium
- Sources->Dungeons & Dragons->Rise of Tiamat
unable to locate an elusive foe, or have been captured by the cult and need inside help to escape, a Harper can offer up a secure hideout, a whispered clue, or a smuggled knife. Bards, mages, and rogues
without arousing suspicion. NPC Harpers are the kinds of characters who consistently pop up when they’re least expected and most useful. If the characters need a safe house in a strange city, are
Compendium
- Sources->Dungeons & Dragons->Vecna: Eve of Ruin
Directions” section. The three erinyes are hoping to take down a goristro: a minotaur-like demon that carries demonic legions and rare treasures through the battlefields of the Blood War. They need someone to
Venatrix’s engine or shut it off. Cause the Venatrix to take the Dash or Disengage action while the vehicle’s engine is running Insert a Soul Coin into the engine’s furnace Soul Fuel. The Venatrix’s engine
Compendium
- Sources->Dungeons & Dragons->Dungeon Master’s Guide (2014)
suns. The city’s two local coins are the toal and the harbor moon. The toal is a square brass trading-coin pierced with a central hole to permit it to be easily strung on a ring or string, worth 2 gp in
of cargo at once. The coin is worth 50 gp in Waterdeep and 30 gp elsewhere. The northern city of Silverymoon mints a crescent-shaped, shining blue coin called an electrum moon, worth 1 gp in that city
Compendium
- Sources->Dungeons & Dragons->Waterdeep: Dragon Heist
sacrifice of one shy of one hundred unfortunate souls.” The Cassalanters have most of the coin they need, but they require the gold from the Vault of Dragons to buy their children’s salvation without
Compendium
- Sources->Dungeons & Dragons->Dragon of Icespire Peak
has no walls and no garrison, but most of the adults keep weapons within easy reach in case the need for arms should arise.
Visitors are welcome here, particularly if they have coin to spend or
Compendium
- Sources->Dungeons & Dragons->Acquisitions Incorporated
Hoardsperson Disbursement of coin is at my discretion. Be really nice to me. — Hoardsperson joke (not joking) As the name suggests, Acquisitions Incorporated is all about the acquiring, and the
Satchel, Living the Good Life
3 Secret Satchel, That Thing You Need
4 Portable Hole Satchel,
That Expensive Thing You Need
Proficiencies and Starting Equipment As a rank 1 hoardsperson