Homebrew/Merchant

Erste Migrationsfassung: Quelle: Hintergründe/Homebrew/Merchant.

Merchant

In Benia, trade is not a profession—it is a way of thinking.

You are not a guild agent, a noble financier, or a criminal broker. You are an independent merchant, operating on instinct, experience, and an ever-shifting web of deals. You know when to buy, when to sell, and—most importantly—when to walk away.

Your business does not stop when you do. Investments move, caravans travel, contracts mature, and debts come due whether you are present or not. In Benia, success is measured not in ideals, but in liquidity.

• Ability Scores: Intelligence, Wisdom, Charisma
• Skill Proficiencies: Persuasion, Insight
• Tool Proficiency: Choose one kind of Artisan's Tools
• Equipment: Artisan's Tools (same as above), Fine Clothes, Book (trade ledger or account book), 2 Pouches, {{{Menge}}}

Feature: Ongoing Business

Your ventures do not generate profit constantly—only when the right opportunities align.

While you are in a civilized place such as a settlement or city, this feature has a Recharge value.

At the end of each long rest, roll a d6. This feature recharges on a result of 6 − half your proficiency bonus (rounded down) or higher.

When this feature is recharged, you can choose to cash in your ongoing ventures during a long rest, making a Charisma (Persuasion) check to determine your profit.

Persuasion Check Result	Gold Gained
10 or lower	No profit
11–15	1 × your Proficiency Bonus 
16–20	2 × your Proficiency Bonus 
21–25	3 × your Proficiency Bonus 
26 or higher	5 × your Proficiency Bonus 

This income represents net profit, after expenses and losses.

If the feature does not recharge, your business continues to operate, but no profits are realized during that period.

The DM may suspend or modify this feature if circumstances make trade impossible.

Personality Traits

Merchants of Benia are shaped by risk, negotiation, and the constant evaluation of value. They learn to read markets as easily as people, weighing opportunity against danger with practiced ease. Their ideals often center on freedom, pragmatism, or stability, while their bonds are tied to routes, partners, and long-term ventures. Their flaws frequently arise from greed, overconfidence, or the habit of treating relationships as transactions.

Personality Traits

d8	Personality Trait
1	I instinctively evaluate the worth of anything I see.
2	I stay calm when money is on the line—panic ruins margins.
3	I enjoy negotiation as much as the result.
4	I always think in terms of risk and return.
5	I trust numbers more than promises.
6	I keep mental ledgers of favors and debts.
7	I adapt quickly when a deal turns sour.
8	I believe opportunity favors the prepared.

Ideal

d6	Ideal
1	Freedom. Wealth buys independence. (Chaotic)
2	Pragmatism. Profit is proof of success. (Neutral)
3	Stability. A steady income is better than a risky windfall. (Lawful)
4	Opportunity. Every crisis hides a market. (Neutral)
5	Ambition. There is always a bigger deal. (Chaotic)
6	Fair Exchange. A deal should benefit both sides—or it will fail. (Lawful)

Bond

d6	Bond
1	I have a long-term investment that could make—or ruin—me.
2	A trading partner relies on me more than they should.
3	I am rebuilding after a catastrophic loss.
4	I maintain a route few others dare to use.
5	I owe my start to someone who expects repayment.
6	I intend to retire wealthy—or not at all.

Flaw

d6	Flaw
1	I struggle to resist a profitable risk.
2	I judge people too quickly by their usefulness.
3	I take losses personally.
4	I overestimate my ability to control outcomes.
5	I delay hard decisions in hopes the market will fix them.
6	I believe money can solve more problems than it actually can.