Payday

Whenever you kill a creature, the total amount of gold generated is equal to the damage you inflicted, rounded down.

At Level 9

Gold Shield

You gain the ability to create a barrier of protective gold around yourself or another target within 30 feet. As a reaction, you can increase your AC by +2. This ability can be used once per long rest.

At Level 14

Follow Me

By spending 5 gold pieces, you can compel a creature to switch its target to one of your choosing. As a bonus action, choose a creature within range. The target must make a Wisdom saving throw against your Midas Save DC. On a failure, the creature must attack the target of your choice instead. If it succeeds, it remains focused on its original target.

At Level 20

Mammonite

You draw upon the wealth you carry, sacrificing it to unleash a devastating wave of force against a target. As an action, you can convert all the gold pieces you are currently carrying into damage. The total amount of gold you spend is equal to the amount of damage dealt. Make an attack roll against a target using your proficiency bonus + your charisma modifier

For every 5 gold pieces you expend, you deal an additional 1d12 points of force damage to a target of your choice within range. This ability depletes your gold reserves spent. Does not stack with Payday.

Example:

If you are carrying 20 gp, you can deal 20 points of damage, plus an additional 4d12 points of force damage.

At Level 3

Binding Contract

You can use your action to create a magical contract that targets a creature within 5ft. The target must succeed on a Wisdom saving throw against your Midas save DC or follow simple commands that only make them move for 3 rounds. Every round the creature may attempt to break free from control or they automatically have control if attacked.

At Level 7

Debt Collector

You gain the ability to collect debts with a menacing presence. As a bonus action, choose a creature within 30 feet; they must succeed on a Wisdom saving throw versus your Midas Save DC or take force damage equal to the amount of gold you spent on them. For example, if you spent 1 gold piece to harm the creature they must succeed on a Wisdom saving throw versus your Midas Save DC or take 1d6 force damage.

At Level 10

Borrowed Fortunes

You learn to take on risk on behalf of allies. You can transfer up to 10 points of damage they take to the amount of gold you are carrying. For example, when you transfer 10 points of damage you sacrifice 10 gold pieces.

At Level 15

Debt Restructure

Golden Lever

You gain the ability to manipulate your resources to enhance your skills. When you or an ally take the attack action on your turn, you can choose to spend 1 gold piece. If you do, you or your ally gain an additional 1d6 to your damage rolls for that attack. This lasts until the end of your next turn.

At Level 7

Compound Growth

By spending 5 gold pieces you or an ally gets advantage on their next attack roll for 1 round.

At Level 10

Wealth of Experience

You can spend gold pieces to gain temporary boosts. For every 5 gold pieces you spend, you can gain a +1 bonus to your next ability score check or saving throw, lasting until the end of your next turn.

At Level 15

Risk Assessment

You can now add your Charisma modifier to your temporary hit points. Additionally, whenever you take damage, you can choose to reduce that damage by an amount equal to the gold you have spent (to a maximum of 10 gold pieces).

At Level 18

Opulent Valor

Once per long rest, you can invoke opulence, creating a shimmering shield of gold around you and any allies within 30 feet. For 3 rounds of combat, you and your allies gain temporary hit points equal to your Charisma modifier at the beginning of each of your turns.

Unsavory Connections

You have established a network of contacts within the shady dealings of society. You gain proficiency in the Deception and Persuasion skills. If you already have proficiency in either, you may double your proficiency bonus for checks made with that skill. Additionally, you can call upon a favor from your contacts once per long rest, allowing you to gain information about the treasures within an area.

At Level 7

Intimidating Presence

You are adept at instilling fear and respect in others. You can use your bonus action to attempt to intimidate a creature within 30 feet. The target must make a Wisdom saving throw against your Midas save DC. On a failed save, the creature is frightened of you for 3 rounds of combat. While frightened in this way, the creature has disadvantage on attack rolls against you, and you gain advantage on Charisma checks against them. The frightened creature can repeat the saving throw at the end of each of its turns.

At Level 10

Shady Deal

You can make an underhanded deal with a creature you can see. As an action, you may spend 5 gold pieces to choose a target within 30 feet. That creature must make a Charisma saving throw against your Midas save DC. On a failure, their next attack roll or ability check is made with disadvantage, and you gain 1d6 temporary hit points. You can use this feature a number of times equal to your Charisma modifier per long rest.

At Level 15

Enforcer's Presence

Your status as a Mobster allows you to summon some muscle when needed. As an action, expend 20 gold pieces to call upon an enforcer (use the statistics of a bandit). This enforcer acts on your initiative and remains for 1 minute or until it is reduced to 0 hit points. You can use this ability once per long rest.

At Level 18

Final Payoff

Once per long rest, you can make a compelling final deal in the midst of combat. You spend a number of gold pieces equal to your Midas level to regain an equal amount of hit points. Additionally, you may use your reaction to redirect any damage you take in that round to another creature within 30 feet, who must make a Constitution saving throw against your Midas save DC. On a failure, they take the redirected damage instead. On success, they take half.

Combat Savant

You gain proficiency in Martial Weapons and have advantage on Investigation checks when it comes to discovering and disarming traps.

At Level 7

Fortuitous Strike

Every time you score a critical hit on an attack, you may gain twice the gold value of the damage done—rounded down—as temporary hit points.

At Level 10

Prized Possession

During a long rest, you can choose one piece of equipment (either a weapon or armor) to empower. For the next minute after you finish your long rest, this equipment gains a bonus equal to your Charisma modifier to either attack rolls (if it is a weapon) or Armor Class (if it is armor). This effect lasts until you either finish a short or long rest or until you choose a different piece of equipment to empower.

At Level 15

Expeditious Manuever

As a bonus action, you can spend 5 gold pieces to turn yourself invisible. While you are invisible, all attack rolls made against you have disadvantage, and you have advantage on Dexterity (Stealth) checks. This effect lasts for 1 minute or until you make an attack or cast a spell, at which point the invisibility ends.

At Level 18

Risk and Reward

You may reroll any failed saving throw or check you have made once per long rest.

Voyager's Acumen

You gain proficiency in two of the following skills: Athletics, History, or Perception. Additionally, your extensive travels allow you to add your Charisma modifier to any Intelligence (History) checks related to different cultures and locales. You also learn one more language of your choice. Furthermore, you gain proficiency with land vehicles and move at normal speeds when pushing land vehicles.

At Level 7

Item Cache

Your connection to money has allowed you to generate items in exchange for gold pieces. The items you can create are average items and equipment. After 3 hours the items and equipment turn back into gold pieces for you.

At Level 10

Expeditionary Strategy

You can move through difficult terrain without expending extra movement. Additionally, if you spend at least a minute observing an area (such as a room or a landscape), you can choose to gain advantage on any subsequent initiative rolls made in that area.

At Level 15

Vehicle Voyager

When pulling a cart you can also attack with it by using your proficiency bonus + your charisma modifier. The cart deals 4d6 bludgeoning damage and the damage can increase as you spend additional gold pieces. For example, for every 5 gold pieces you spend the damage increases to an additional 2d6 force damage.

At Level 18

Destiny of the Wanderer

You have become a master of transcending boundaries. Once per long rest, you can cast Plane Shift as a spell-like ability without expending a spell slot, allowing you to travel between planes or distant lands. You can choose to take up to 5 willing creatures with you. Additionally, for one minute, you gain resistance to one damage type of your choice, (such as fire, cold, thunder, lightning, poison, radiant or necrotic ) as part of your extensive travels through various climates and geographies.