Economy
Sumaya's currency is the Ringgit, abbreviated SR (Sumaya Ringgit) in the UI. This page covers how to earn, store, and spend it.
Your starting balance
Every new player begins with:
- 100 Ringgit in the wallet.
- 1,000 Ringgit in the bank.
That's enough to rent some starter vehicles, buy a Tier 1 house (200 SR), and grab a few shop items. Spend wisely at first.
Wallet vs bank
You have two separate balances:
Wallet
- Carried on your person.
- Capped at 500 Ringgit. ATMs refuse withdrawals that would push your wallet over 500, and player-to-player transfers are clamped to the receiving wallet's headroom.
- What you spend on immediate purchases (shop items, some vehicle rentals).
- Can be stolen via pickpocketing (80-300 Ringgit at a time, within 8 studs).
- Most job rewards (Bomba/Polis/Kesihatan per-action pay, fishing, radar captures) are paid directly to the wallet - if it's full, overflow is dropped. Plan to deposit into the bank periodically.
Bank
- Secured in your account.
- Not vulnerable to pickpocketing.
- Where career earnings (palm oil, carjack sales, animal trafficking) land by default.
- Required for big purchases (houses, Tier 2/3 trawlers, premium vehicles).
- Accessed via an ATM - see below.
ATM
ATMs are scattered around Sumaya (usually near shops and banks). At an ATM, you can:
- Withdraw from bank to your wallet. Can't withdraw an amount that would push your wallet over the 500 Ringgit cap.
- Deposit from wallet to bank. No limit.
- Transfer to another player by their username (not user ID). ATM transfers are bank-to-bank only.
Paying another player in person (Sadaqa / Donate)
For casual hand-offs, equip your Wallet tool and walk up to another player. A "Sadaqa to User?" prompt appears when you're within 10 studs of them (Sadaqa is the Malay / Arabic term for charitable giving).
- Wallet-to-wallet transfer (not bank).
- The receiver's wallet cap of 500 SR still applies - overfull wallets reject the donation.
- Negative-amount transfers are blocked and flagged by the anti-cheat system, so don't try.
Use Sadaqa for quick roleplay gifts, splitting a bill, or helping out a new player. For larger transfers, use the ATM Transfer (bank-to-bank by username).
Earning Ringgit
From jobs
Per-action payouts. Totals depend on how long you work.
| Source | Ringgit |
|---|---|
| Rod fishing (per species sold) | 8 SR to wallet |
| Trawl fishing (per fish) | 0.5 SR, paid as end-of-shift paycheck |
| Mamak (per customer) | 30 SR to bank, +180 every 10, -25 wrong-order |
| Fast Food (per customer) | 25 SR to bank, +150 every 10, -20 wrong-order |
| Palm oil (per harvest) | Banked at end-of-shift, level-scaled |
| Bomba (per fire block) | 15 SR to wallet |
| Bomba (milestone every 15 blocks) | +150 SR bonus |
| Kesihatan (bandage) | 100 SR to wallet |
| Kesihatan (splint) | 200 SR to wallet |
| Kesihatan (milestone every 10 treatments) | +150 SR bonus |
| Polis (arrest, per star) | 150 / 300 / 500 / 800 / 1200 SR to wallet |
| Polis (milestone every 5 arrests) | +200 SR bonus |
| Polis (radar capture) | 50 SR to wallet |
From crime
Higher risk, higher reward. Rewards go to your bank.
| Crime | Ringgit |
|---|---|
| Carjacking drop-off | 500 - 1,200 SR (random) to bank |
| Pickpocket (player) | 80 - 300 SR to wallet (from victim) |
| Pickpocket (NPC) | 50 - 200 SR per NPC |
| Illegal Turtle Egg trafficking | 400 SR to bank |
| Illegal Pangolin trafficking | 1,000 SR to bank |
| Illegal Hornbill trafficking | 2,000 SR to bank |
From quests
The 12-quest chain pays a total of 2,900 Ringgit from individual quest rewards plus a 1,500 Ringgit finale bonus, for a total of 4,400 Ringgit to your bank if you complete the whole chain. See Quests.
Biggest earners (ranked)
Roughly, from highest per-hour to lowest, assuming you stay busy:
- Polis 5-star arrests - 1,200 SR each. If criminals are online, this is gold.
- Animal trafficking (Hornbill) - 2,000 SR per run. 5-min cooldown though.
- Bomba fires - 15 SR per block + milestone bonus every 15 blocks. Group of firefighters = fast.
- Carjacking - 500-1,200 SR per job. Once per 5 min, risky.
- Kesihatan splints - 200 SR per splint + milestone bonus.
- Pickpocket NPCs - 50-200 SR per pick, low risk, steady.
- Palm oil shifts - steady, level-dependent, end-of-shift banking.
- Service sector orders - steady, scales with level.
- Rod fishing - quick SR, player XP only, best for casual play.
- Trawl fishing - slower SR but the only way to level the fishing sector.
Spending Ringgit
Vehicles
Where most of your money will go.
- Free civilian cars - dozens available at player level 1. Just rent and drive.
- Premium civilian cars - 2,000-29,000 Ringgit. The Joguar XJ308 R is the cap.
- Fishing trawlers - Tier 1 free, Tier 2 25,000, Tier 3 37,000.
- Team vehicles - 6,500-20,000 Ringgit, gated by sector level.
See Vehicles.
Housing
- Plot: free (one per player).
- Tier 1 house (Small Bornean): 200 Ringgit.
- Tier 2 house: 500-700 Ringgit.
- Tier 3 house (Modern Terrace): 1,200 Ringgit.
- Furniture: per-item prices, typically 50-500 Ringgit each.
See Housing.
Shops
Prices vary widely. A rough range:
- Food items from food stalls: 1-5 SR (cosmetic / roleplay tools, don't actually restore hunger in the current build).
- Gas cans for boats: 75-125 SR. Red adds +25 fuel (75 SR), Green adds +50 fuel (100 SR), Black adds +75 fuel (125 SR). Boat fuel max is 100; overflow is clamped. Refill only works when current fuel is below 75 - trying to top off an already-high boat does nothing and doesn't consume the can.
- Tools (Slim Jim, Pickpocket Knife, etc.): 50-500 SR.
- Cosmetic items: variable.
Shops are scattered across Sumaya. The minimap marks each one.
Milestone bonuses (stack these)
Remember:
- Bomba: +150 SR every 15 blocks.
- Kesihatan: +150 SR every 10 treatments.
- Polis: +200 SR every 5 arrests.
These stack on top of per-action payouts. Plan your session to hit milestones, not just end arbitrarily.
Tips
- Bank the bulk of your Ringgit. Wallet is for spending, bank is for saving. Never carry more than you can afford to lose in your wallet.
- 5-star arrests are the jackpot. If you're Polis and someone's at 120+ offence points, camp them.
- Trafficking is high-value but high-risk. 2,000 SR for a Hornbill is great, but you'll get stars on you. Plan for it.
- Save before you buy. Don't spend every Ringgit on cars when a nice tier-3 house is only 1,200 SR away.
- Trawlers pay for themselves. Tier 2 at 25,000 SR feels expensive, but if you're committing to fishing, the extra capacity recovers the cost.
- Team synergy. Bomba + Kesihatan teammates in the same area = you both earn. Medical gets patients (burn victims), Bomba gets teammates near fires for 10 XP each.
- Don't overlook the 999 app. Civilian calls give emergency teams easy payouts - dispatch them and you might get a reward-adjacent interaction.
What next?
- Progression for how XP and Ringgit interact.
- Vehicles for the price catalog.
- Housing for house prices.
- Crime and Law for the criminal side of the economy.