At 50 title you unlock all signatures and 50% of bonuses. That's plenty good already.
However, you have to take into account why we are introducing local banking.In New Dawn, its main purpose is to be a convenience feature.
or have 1-100 only take 1 month
As a reminder instant swapping titles is the same as no titles.
Instant swapping skill cap is the same as no skill cap.
5pts for 0-50, 2.5 pts for 50-75, 1 pts for 75-100