“Gold is the blood that flows through the veins of civilization, circulating and sustaining” -An old Dwarven saying
Not surprisingly, one of the first industrial facilities constructed in the Horizon Alliance’s growing capital was a mint to quickly melt down and reforge all the varied coinage from the old world into a new unified currency for their land. They use the typical system present for platinum, gold, silver and copper coins. Faces of key figures to the exodus are stamped on one side, with varying icons on the reverse. Citizens with significant personal wealth, or organizations with deep coffers, can store their wealth at a temple to the Aureatect and receive notarized vouchers. These allow for the exchange of significant sums of money without the use of a heavily guarded cart full of chests. However this system is only really utilized in the capitol. Distant villages are loathe to trust anything other than hard coins as payment.
The Mahi-Tahi surprised the colonists by already having a monetary system of their own, dispelling some of the supposed barbarism of the cold blooded foreigners. They have coins in valuable units of the same precious metals much like the colonists, however they are all bored with a central hole. Groups of the square coins are usually strung together, with transactions taking place by trading varying lengths of coin for ease and simplicity. Merchants will hang lengths from their vest or belt, sometimes the rear wall of the establishment for ease of access during trading hours, but will store them away safely afterwards; it is considered brazenly foolish to brandish coin when not doing business.
Despite the common denigrations of money, trade between the two cultures is still difficult, language barrier aside. The border communities that do regularly interact use more of a barter system. Alliance vendors are much more uncomfortable carrying stacks of coins dangling openly. As each side is often looking for something totally different, the practice is growing, both being convinced hey are getting a great deal and underpaying their portion.
Magic items are present in fair quantities in both civilizations. The Mahi-Tahi have the advantage of more availability due to more population centers of great number. In the Alliance, the creation and sale of magic items decreases drastically outside of Trinity bay.
Tipping a server or guide additional gold beyond the agreed upon amount is often expected in Alliance taverns, especially on the frontier, but the Mahi-Tahi do not have any similar practice. In both societies, someone can request to receive payment for service in goods rather than labor, but this is more common in certain professions, like sailing or farming than others like guard duty.