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OpenSim Gloebit Money Module Beta - Details

Dig into some of the finer details of the Gloebit Money Module for OpenSim.

For information on how to test our money module on your grid, subscribe to our email list, locate regions which have already installed our module where you can try it out, and provide us feedback, see our OpenSim Gloebit Money Module page.

Beta Schedule

Beta Testing: We've been testing and improving the money module for over a year now with our amazing early partners. Recently we enabled approved merchants to sell gloebits and are on to testing sales and cash outs.

Live Payments: OpenSim users are now purchasing virtual goods with gloebits on a number of grids. When a partner is ready for real transactions, they can move from our sandbox testing environment to our production environment with live payments.

Full Launch: We plan to release our module for any grid to use. We will likely open source the module code under a BSD license as well. For now, Sign up to gain access.

Installation

During beta, we'll provide a binary of our module to grids which have signed up for access and reached the front of our queue. This can easily be dropped into OpenSim's' addon-modules directory. Once we complete our beta testing, we plan to open source the module for those who would like to make any custom adjustments and compile the module themselves.

Configuration

The Gloebit Money Module is configurable via OpenSim config files. See the OpenSim configuration instructions for more details.

Account Signup

We provide two separate environments each with completely separate accounts.

Developers or Grid Hosts can request account permissions to create apps from each the Sandbox and Production account-settings page. A Gloebit Application is the mechanism by which our service is integrated with an OpenSim grid or region. For more details, see our sandbox walk-through and the configuration instructions linked above.

Merchants can request account permissions to sell gloebits from the Production account-settings page. For more details, see our seller flow page.

Purchasing Gloebits

In our sandbox environment, gloebits can be purchased for free from our sandbox purhcase page. Follow the instructions to make a sandbox credit card purchase.

On production, gloebits can be purchased for via credit card or PayPal from our purhcase page. We plan to add more payment methods as we grow.

Authorizing a Grid

In the Gloebit system, an application can't charge you until you authorize that application. Once you do, you are providing permission for that application to send requests to spend gloebits on your behalf. You can review and revoke these authorizations at any time from the sandbox or production approved apps page.

When you arrive in region running our module, you should be informed wither it is running in Sandbox or Production, and You should be prompted to authorize the app connected to that region if you have not already done so. If you do not, you can prompt authorization by clicking on your balance. For additional details specific to OpenSim, see our OpenSim auth flow.

Transactions

Once you've authorized the application integrated with the region that you are on, your balance will show up in the viewer and you can purchase objects for sale with your gloebits. See our OpenSim transaction flow for an example.

Transaction records

We store transaction records for every party involved so that it's easy to review. Check out the Sandbox or Production transaciton history page and try clicking on a description to expand a record for more details.

Our OpenSim module also maintains a database table of all Gloebit transactions. A grid or region manager with access to the opensim db for the grid can query this table to examine status of transactions and other details.

Objects with auto-debit scripts

For safety and security of our users, we have created a subscription system to deal with auto-debit permissions for scripted objects. The concept of a subscription, is to authorize and handle a transaction which a user is not directly triggering at that moment, just like subscribing for a Sunday newspaper and then being charged weekly on delivery.

When you grant auto-debit permissions to an object, we create a subscription for that object with that object's UUID. We then ask you to authorize that subscription (and corresponding object) to have permission to automatically debit your account in the future. If you approve, when the object triggers an auto-debit, the transaction will be attempted. If not, that object will not be allowed to auto-debit your account. You can review and revoke authorization from our Sandbox or Production subscription authorizations page. For an example, please see our OpenSim subscription flow.

Transaction fees

We take 2% out of each transaction to cover our costs, fraud risks, and continue to improve our system and features for our users. We also provide applications the ability to charge a fee on user-to-user transactions. During our beta, the application fee is set to 1%. Our goal is to make those fees clear to merchants so they have the information to make intelligent decisions about their businesses. We've also been told that inventory providers need to earn a piece of sales since they bear the overhead of delivery and storage of purchased objects, so this is on our radar for further investigation.

Identifying seller's Gloebit account

If the OpenSim agent has ever authorized the grid on which they are receiving payment, then Gloebit will send the gloebits received to the Gloebit account they authorized and linked to that agent. Even if the user revokes that grid's authorization, funds will still be sent to the last Gloebit account they authorized with that avatar on that grid.

If the agent has never authorized from that grid, then Gloebit will attempt to identify them via the email address in the agent's OpenSim profile. If a Gloebit account exists with the same email address and the email address has been verified by the user, we'll send the received funds to this account. If there is no Gloebit account with that email address, we'll auto create one and email the seller to let them know they have gloebits waiting in their new account.

We have a few recommendations for anyone who may receive funds on an OpenSim Grid with our module enabled. Create a Gloebit account using the email address you use when you create OpenSim agents. Make sure to follow the instructions in the verification email you receive, as we can't send funds to an account we have identified via the email address if it is unverified. This should ensure that any gloebits received on any home grid for an agent with that email address in the profile will make it to your Gloebit account. Unfortunately, when you are visiting a foreign hypergrid, your email address is not sent to that foreign grid, so we can not use it to identify your Gloebit account. To receive funds on any foreign hypergrid, you must authorize that grid via your Gloebit account. If you do not want that grid to have access to debit your account, then you can immediately revoke that access. Our link to identify your account from your foreign agent on that grid will remain in place even after you've revoked access and you'll be able to continue to recieve gloebits.

We've worked hard to make this as simple as possible for OpenSim creators without requiring any modifications to the OpenSim server core or viewers, or requiring attachments or special scripts. We hope you agree and look forward to any feedback you have.

Selling gloebits

A user earning gloebits through commerce can request account permissions to sell gloebits from their account settings page. For more details, see our seller flow page. Gloebits are sold at a rate of 250 gloebits to 1 USD.

Multiple avatars per Gloebit account

A single Gloebit account can be linked to many OpenSim accounts. We allow multiple links to avatars on the same grid, and across different grids to a single Gloebit account. There is no need to create multiple Gloebit accounts, or to transfer funds between avatars you control.

Every avatar you link to your Gloebit account will have access to your balance, and the avatar and grid are stored in your transaction history records so that you can differentiate transactions. You can revoke access from a grid for a single avatar without affecting the rest from the approved apps page.