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Rapture Bank Crash

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Andrew RyanHQ
"There is something more powerful than each of us, a combination
of our efforts, a Great Chain of industry that unites us."
Andrew Ryan

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The Rapture Bank Crash was an important event in the decline of Rapture. Immediately following the 1958 New Year's Eve Riots at the Kashmir Restaurant, the general populace had its confidence broken by the escalating violence of the Rapture Civil War, and a large number of citizens pulled their money out of the banks. This in turn caused a money shortage for the commerce of Rapture, causing further bankruptcies, mortgage failures, and layoffs. Grace Holloway was one of the individuals affected, when the nightclub she worked at closed.[1]

In direct violation of his own economic principles of Free Market capitalism, Andrew Ryan asked Prentice Mill, owner of the Atlantic Express train system, to sink his remaining cash reserves into the banks to try to bolster Rapture's economy. The tactic did not ultimately work, and only served to drive the already struggling Atlantic Express into bankruptcy. The train lines were decommissioned, further damaging Rapture's infrastructure.[2]

Some, like Augustus Sinclair, were able to profit, as affected people were forced into his low rent "hotel" housing.[3] Others, like Atlas, used the crisis he had caused to recruit many citizens into his revolution. By the end of the war, the Rapture Dollar was practically worthless, only being needed for vending machines that remained functioning and unbroken, or to turn off security devices.

Eventually, even Andrew Ryan started to realize that ADAM had come to replace dollars as the real currency in Rapture.[4]


  1. Closing the Limbo Room: "Bomb goes off in that fancy place uptown, and everybody panics... pulls their money out of the banks... a whole city tuggin' on the same dollar bill. So the banks fold, and maybe one in ten got their savings out..."
  2. The End of the Line:"...played by Mr. Ryan's rules. But then he asks me to sink my own cash reserves into the banks to give Rapture some breathing room, and now... now Austen God damned Bathysphere wants to buy me out. Decommission the entire rail..."
  3. Sinclair Deluxe & Sinclair Spirits
  4. BioShock 2 Loading Screen Quotes: "Rapture is changing. Link by link, the great chain of industry is being reforged with a new form of capital: ADAM."

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