Money
The Monetary System (p.35) 
| The PHB’s monetary system — gold, silver, copper, electrum, and platinum pieces at fixed exchange rates — applies as a reference framework. The specific currency names and denominations in use depend on the campaign setting. The GM establishes the local monetary system at Session Zero; the PHB rates provide the underlying exchange structure where no specific local system has been defined. |
Prices in Oath-Bound are not fixed. The PHB equipment and goods tables provide a reasonable baseline, but actual prices vary by location, season, availability, and the reputation of the community’s traders. Price variation is a fact of life rather than an anomaly to be explained.
One source of variation is worth noting specifically. Adventurers — characters with access to recovered coin, salvaged goods, and rewards that exceed the normal income of the communities they pass through — can exert upward pressure on local prices simply by being present and willing to spend. A village that regularly hosts parties returning from a nearby dungeon will price accordingly. Traders in such places are not gouging; they are responding to a market. The GM applies this as a qualitative consideration rather than a percentage table.
