Gold in Shadowrealm is a shared economy, not a personal score, and it is shaped by three things: what you earn, what the bank pays you to leave it alone, and what you lose to fees when you move it. The fees are not incidental. Over a trading career they are the difference between compounding and treading water.
Banked gold earns up to 1% per day. The important word is "up to": the rate is not flat. It scales down as your banked balance grows, so the first pile of gold you deposit earns at close to the headline rate while a vast hoard earns proportionally far less. The bank is designed to help a player building up, not to be an end-game money printer.
Interest accrues pro-rata by the second, not in daily lumps, so there is no particular hour of the day worth timing a deposit for. It settles when you deposit, when you withdraw, and at the daily boundary. One caveat worth knowing: a settlement only happens once at least 60 seconds have passed, so repeatedly depositing tiny amounts in quick succession does not manufacture extra interest.
Note also that a daily settlement returns your balance to your on-hand gold. An untouched vault does not quietly compound forever in the background; if you want gold banked, you have to keep banking it.
Sending gold directly to another player costs 4% of the amount, with a minimum of 1 gold. Certain circumstances halve that to 2%. The fee exists to put friction on gold laundering between accounts, and it is charged on the sender, so the recipient always gets the round number you intended.
Listing an item on the marketplace costs 5% of the asking price, with a floor of 10 gold, and it is charged when you LIST, not when you sell. That matters more than it sounds: relisting the same item repeatedly at different prices pays the fee every time. Price it properly once rather than fishing for a buyer.
The listing cap is the interesting one. It means market-making is a real decision rather than a matter of dumping inventory: with a limited number of slots, each one should hold something that will actually move. New players routinely fill all their slots with low-value commons and then cannot list the good drop they find an hour later.
Gear listed for sale is held in escrow while it waits, which means it cannot be equipped, upgraded, enchanted or salvaged until you take it back. If an item seems to be refusing an action, check whether it is still on the market.
Prices in Shadowrealm are set by players, so they move with what the player base is doing. Materials spike when a crafting tier becomes popular; mid-tier gear collapses in price whenever a lot of players are levelling through the same band. The reliable edge is not prediction, it is patience: holding an item until it is worth listing costs you nothing but a slot, while a hasty relist costs a fee every time.