42+ Kingdom New Lands Banker Background. The hermits, the banker, the ghosts and the dog. He will also produce a few extra coins as interest.

Kingdom New Lands - ¿Cuánto tiempo podrás resistir?
Kingdom New Lands - ¿Cuánto tiempo podrás resistir? from cdn2.unrealengine.com
Next morning, he will drop a few coins for you if you stroll by, which… He will also produce a few extra coins as interest. He goes inside during the night.

For the shady fellow storing gems, see:

The banker the banker is a moneymaking npc, who spawns automatically once you have the church built from upgrading to a tier 4 kingdom. On your first day, the merchant will be remaining by your fire, with packs on his jackass. New lands gameplay part 1. You can give him a large amount of coins to store in your vault, and he will distribute them back companions can be taken to new lands (the dog + one horseback companion).