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 grab a few shop items and start driving the free starter cars (Perosatu Axia or Protan Wira). Paid civilian rentals start at 1,250 SR, so your starting wallet alone is not enough for a rental; houses are also out of reach at the start (Tier 1 is 25,000 SR - see Housing).
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.
Income / job XP booster
A future Income / Job XP Booster pass is visible in the Shop as a disabled Coming Soon card. When it is enabled, it is designed to add 25% more job Ringgit and 25% more job-sector XP for eligible work: Bomba, Polis arrests/radar, Kesihatan, Mamak, Fast Food, Palm Oil, Trawl Fishing, and gig jobs.
It does not boost player-level XP, quest rewards, crime payouts, ATM transfers, Sadaqa/donations, refunds, or house/vehicle/shop transactions.
| 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 fruit dropped) | Flat 20 SR, banked at end-of-shift; tier 2-4 buckets/sickles speed up the rate, not the per-fruit pay |
| Gig job: E-Hailing | 40 SR, 8 XP, possible 30% tip |
| Gig job: Pos Nasional | 35 SR and 7 XP per parcel, possible 10% tip |
| Gig job: Tow Truck | 80 SR, 12 XP, possible 20% tip |
| Gig job: Reporter | 50 SR, 10 XP, possible 15% tip |
| Gig job: Tour Guide | 120 SR, 20 XP, possible 40% tip |
| Gig job: Restaurant Supplier | 45 SR, 8 XP, possible 10% tip |
| 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.
- Gig jobs - short, varied errands with quick interaction steps. Tour Guide and Tow Truck are the highest single-gig payouts, while Pos Nasional can stack per parcel.
- Service sector orders - steady; per-customer pay is flat (Mamak 30 SR / FastFood 25 SR) and does NOT scale with sector level. Higher levels just unlock cosmetic ranks.
- 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 starter cars - Perosatu Axia and Protan Wira.
- Paid standard civilian cars - rent for 1,250-8,750 Ringgit or buy for 5,000-35,000 Ringgit. The Protan X70 is the current standard civilian cap.
- Classic Car Pack cars - gamepass-gated; Protan Saga 1985 is free for owners, while the paid classics cost 12,000-29,000 Ringgit to buy.
- 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): 25,000 Ringgit.
- Tier 2 house (Spacious / Compact Bornean): 29,000 / 32,000 Ringgit.
- Tier 3 house (Modern Terrace, two cosmetic variants): 35,000 Ringgit.
- Furniture: prices vary by item.
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 replenishes 25% of the tank (75 SR), Green 50% (100 SR), Black 100% - full refuel (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. Houses are now five-digit purchases (25,000-35,000 SR) - plan a multi-shift grind, not an impulse.
- 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.
- Gig jobs for short-run payout details.
- Vehicles for the price catalogue.
- Housing for house prices.
- Crime and Law for the criminal side of the economy.