Two cents~
Since Legendary Marks are cross character
Why isn't Strange Coins and Motes of Light
Likewise designated as overall currency?
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Step 1: place strange coins or nodes of light into vault Step 2: change characters and grab them out of vault Or use app, website or 3rd party app to move them around... Its not hard
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I like that idea, it can get a bit annoying having to transfer these from character to character (I would call this post "bank" rather than "credit card") :)