Usury

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Usury is highly tide to the trade of pathos and souls and was developed for this reason. The Usurers guild's signature arcanoi leaves it's mark on users as shifting gold patterns on the wraith's skin.

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Usury

⚫ Appraisal

Challenge: None Cost: 1 Medicine retest Duration: Instant

The wraith spends a medicine retest and touches a wraith. It then knows how much pathos, health and willpower the wraith currently has, as well as if it's under the effects of any other arcanoi powers.

⚫⚫ Pathos Conduit

Challenge: None Cost: 1 Pathos Duration: One action

A wraith with this power can touch a target and spend a pathos to heal the target one lethal damage.

⚫⚫⚫ Early Withdrawal

Challenge: Mentals(medicine) Vs Physicals(Defense) Cost: One pathos Duration: One action

A wraith with this power’s touch can be draining. Spend a pathos and make a Mentals(Medicine) vs Physicals(Defense) test. If you succeed you deal 2 lethal to a creature and heal 1 health level.

⚫⚫⚫⚫ Sustenance

Challenge: None Cost: None Duration: Permanent

This power upgrades early withdrawal allowing it to be used as a ranged attack and increasing the damage by 2 and the healing by 1.

⚫⚫⚫⚫⚫ Oblivion's Seal

Challenge: None Cost: One pathos Duration: Permanent

By spending a pathos the wraith can make an oath similar to how changelings do between any number of willing parties, the oath is enforced by oblivion and oathbreakers fall into the well of oblivion, or their soul becomes an Obolus, a soul coin, depending on the contract.