Vaults and the new earnings window
Habbos! We have some important news about how your currency will be stored and managed in Habbo 2020, and we wanted to let you know how it will work in advance.
The Earnings Window
When the new client launches later this year, credits you receive from things like your HC Payday, the Advent calendar or trading with other Habbos will be organised into sections inside a new 'earnings' window. You can see what the earnings window looks like below:
To find out more about the earnings window, please go here.
Vaults
Habbo 2020 also includes another new feature: vaults. As you can see above, your earnings window is split into quite a few different sections. One of these sections is your vault.
Exceptions include credits bought directly from our website, an approved third 
party seller or the in-game Shop - these will go directly to your purse no matter how many coins are already stored there.
When withdrawing credits from your vault, you will be taxed progressively depending on the amount you withdraw. You can permanently 'unlock' your vault and avoid all further vault taxation by buying credits directly from our website, an approved third party seller or the in-game Shop.
IMPORTANT: credits that your avatar already owns will NOT be placed in your vault. When you log into Habbo 2020, any old credits will be in your purse and not in your vault. Credits you buy directly from our website, an approved third party seller or the in-game Shop will also not be deposited in your vault.
We decided to introduce vaults for two main reasons:
- Vaults give us the means to more effectively combat fraud and black market credit sales.
- They also allow us to give everyone credits more freely and in more varied ways, as we don't need to worry so much about Habbos creating lots of different accounts to unfairly grind rewards.
IMPORTANT: to ensure a smooth transfer to the new system, today we have increased the tax paid when purchasing certain credit furni from the Catalogue. Now, there is a 10% tax on all credit furni, with one credit being the minimum as before.
For more information about vaults, including what exactly is taxed and how they work, please visit this FAQ.