diff --git a/Towny/pom.xml b/Towny/pom.xml
index c933bf153f..bbd0dbadc0 100644
--- a/Towny/pom.xml
+++ b/Towny/pom.xml
@@ -141,7 +141,7 @@
         <dependency>
             <groupId>net.milkbowl.vault</groupId>
             <artifactId>VaultUnlockedAPI</artifactId>
-            <version>2.7</version>
+            <version>2.9</version>
             <scope>provided</scope>
         </dependency>
         <dependency>
diff --git a/Towny/src/main/java/com/palmergames/bukkit/towny/object/EconomyAccount.java b/Towny/src/main/java/com/palmergames/bukkit/towny/object/EconomyAccount.java
index 9cef22f4d7..cdcb815926 100644
--- a/Towny/src/main/java/com/palmergames/bukkit/towny/object/EconomyAccount.java
+++ b/Towny/src/main/java/com/palmergames/bukkit/towny/object/EconomyAccount.java
@@ -18,7 +18,7 @@
  */
 public class EconomyAccount extends Account {
 	protected EconomyAccount(Resident resident, String name, UUID uuid, Supplier<TownyWorld> worldSupplier) {
-		super(resident, name, uuid, worldSupplier);
+		super(resident, name, uuid, worldSupplier, true);
 	}
 
 	@Override
diff --git a/Towny/src/main/java/com/palmergames/bukkit/towny/object/economy/Account.java b/Towny/src/main/java/com/palmergames/bukkit/towny/object/economy/Account.java
index b416b3bd0e..1873ae0098 100644
--- a/Towny/src/main/java/com/palmergames/bukkit/towny/object/economy/Account.java
+++ b/Towny/src/main/java/com/palmergames/bukkit/towny/object/economy/Account.java
@@ -53,14 +53,42 @@ public abstract class Account implements Nameable, Identifiable {
 	private String name;
 	private UUID uuid;
 	private final Supplier<TownyWorld> worldSupplier;
+	private boolean playerAccount;
 	
 	private OfflinePlayer cachedOfflinePlayer;
 	
+
+	public Account(final EconomyHandler owner, final @NotNull String name, final @NotNull UUID uuid, final @Nullable Supplier<TownyWorld> worldSupplier, boolean playerAccount) {
+		this.economyHandler = owner;
+		this.name = name;
+		this.uuid = uuid;
+		this.worldSupplier = worldSupplier;
+		this.playerAccount = playerAccount;
+		
+		// ALL account transactions will route auditing data through this
+		// central auditor.
+		observers.add(GLOBAL_OBSERVER);
+		
+		try {
+			this.cachedBalance = new CachedBalance(getHoldingBalance(false));
+		} catch (Exception e) {
+			Towny.getPlugin().getLogger().log(Level.WARNING, String.format("An exception occurred when initializing cached balance for an account (name: %s), see the below error for more details.", name), e);
+		}
+	}
+
+	/**
+	 * @deprecated since 0.101.0.6 use {@link #Account(EconomyHandler, String, UUID, Supplier, boolean)} instead.
+	 * @param economyHandler economyHandler that owns this account.
+	 * @param name name of the account owner.
+	 * @param world world in which the account would exist.
+	 */
+	@Deprecated
 	public Account(final EconomyHandler owner, final @NotNull String name, final @NotNull UUID uuid, final @Nullable Supplier<TownyWorld> worldSupplier) {
 		this.economyHandler = owner;
 		this.name = name;
 		this.uuid = uuid;
 		this.worldSupplier = worldSupplier;
+		this.playerAccount = false;
 		
 		// ALL account transactions will route auditing data through this
 		// central auditor.
@@ -74,7 +102,7 @@ public Account(final EconomyHandler owner, final @NotNull String name, final @No
 	}
 	
 	/**
-	 * @deprecated since 0.100.4.6 use {@link #Account(EconomyHandler, String, UUID, Supplier)} instead.
+	 * @deprecated since 0.100.4.6 use {@link #Account(EconomyHandler, String, UUID, Supplier, boolean)} instead.
 	 * @param economyHandler economyHandler that owns this account.
 	 * @param name name of the account owner.
 	 * @param world world in which the account would exist.
@@ -84,13 +112,14 @@ public Account(EconomyHandler economyHandler, String name, World world) {
 		this.name = name;
 		this.uuid = economyHandler instanceof Identifiable identifiable ? identifiable.getUUID() : null;
 		this.economyHandler = economyHandler;
+		this.playerAccount = false;
 		
 		TownyWorld townyWorld = TownyAPI.getInstance().getTownyWorld(world);
 		this.worldSupplier = () -> townyWorld;
 	}
 
 	/**
-	 * @deprecated since 0.100.4.6 use {@link #Account(EconomyHandler, String, UUID, Supplier)} instead.
+	 * @deprecated since 0.100.4.6 use {@link #Account(EconomyHandler, String, UUID, Supplier, boolean)} instead.
 	 * @param economyHandler economyHandler that owns this account.
 	 * @param name name of the account owner.
 	 */
@@ -100,6 +129,7 @@ public Account(EconomyHandler economyHandler, String name) {
 		this.uuid = economyHandler instanceof Identifiable identifiable ? identifiable.getUUID() : null;
 		this.economyHandler = economyHandler;
 		this.worldSupplier = () -> TownyUniverse.getInstance().getTownyWorlds().get(0);
+		this.playerAccount = false;
 	}
 	
 	// Template methods
@@ -317,6 +347,14 @@ public void setUUID(final @NotNull UUID uuid) {
 		this.cachedOfflinePlayer = null;
 	}
 
+	public boolean isPlayerAccount() {
+		return playerAccount;
+	}
+
+	public void setPlayerAccount(boolean playerAccount) {
+		this.playerAccount = playerAccount;
+	}
+
 	/**
 	 * Gets the observers of this account.
 	 * 
diff --git a/Towny/src/main/java/com/palmergames/bukkit/towny/object/economy/BankAccount.java b/Towny/src/main/java/com/palmergames/bukkit/towny/object/economy/BankAccount.java
index 7dfd78addb..4fedaa9b13 100644
--- a/Towny/src/main/java/com/palmergames/bukkit/towny/object/economy/BankAccount.java
+++ b/Towny/src/main/java/com/palmergames/bukkit/towny/object/economy/BankAccount.java
@@ -31,7 +31,7 @@ public class BankAccount extends Account {
 	 * @param government Town or Nation that is getting a BankAccount.
 	 */
 	public BankAccount(String name, Government government) {
-		super(government, name, TownyEconomyHandler.modifyNPCUUID(government.getUUID()), () -> TownyAPI.getInstance().getTownyWorld(government.getWorld()));
+		super(government, name, TownyEconomyHandler.modifyNPCUUID(government.getUUID()), () -> TownyAPI.getInstance().getTownyWorld(government.getWorld()), false);
 		this.government = government;
 	}
 
diff --git a/Towny/src/main/java/com/palmergames/bukkit/towny/object/economy/TownyServerAccount.java b/Towny/src/main/java/com/palmergames/bukkit/towny/object/economy/TownyServerAccount.java
index 751c09aa9a..2f6a378dde 100644
--- a/Towny/src/main/java/com/palmergames/bukkit/towny/object/economy/TownyServerAccount.java
+++ b/Towny/src/main/java/com/palmergames/bukkit/towny/object/economy/TownyServerAccount.java
@@ -24,7 +24,7 @@ public final class TownyServerAccount extends Account {
 	public static final TownyServerAccount ACCOUNT = new TownyServerAccount();
 
 	private TownyServerAccount() {
-		super(new EconomyHandlerHolder(), name, uuid, worldLocal::get);
+		super(new EconomyHandlerHolder(), name, uuid, worldLocal::get, false);
 	}
 
 	@Override
diff --git a/Towny/src/main/java/com/palmergames/bukkit/towny/object/economy/adapter/VaultUnlockedEconomyAdapter.java b/Towny/src/main/java/com/palmergames/bukkit/towny/object/economy/adapter/VaultUnlockedEconomyAdapter.java
index c2f76f5d29..6bfc23d34f 100644
--- a/Towny/src/main/java/com/palmergames/bukkit/towny/object/economy/adapter/VaultUnlockedEconomyAdapter.java
+++ b/Towny/src/main/java/com/palmergames/bukkit/towny/object/economy/adapter/VaultUnlockedEconomyAdapter.java
@@ -39,12 +39,12 @@ public boolean hasAccount(Account account) {
 
 	@Override
 	public double getBalance(Account account) {
-		return economy.getBalance(TOWNY, account.getUUID(), account.getWorld().getName()).doubleValue();
+		return economy.balance(TOWNY, account.getUUID(), account.getWorld().getName()).doubleValue();
 	}
 
 	@Override
 	public void newAccount(Account account) {
-		economy.createAccount(account.getUUID(), account.getName(), account.getWorld().getName());
+		economy.createAccount(account.getUUID(), account.getName(), account.getWorld().getName(), account.isPlayerAccount());
 	}
 
 	@Override