Settlements are one of the major selling points of the game. Players can create organizations in the form of companies (guilds or clans in other games), and take over several of the claims that are scattered around the world map - if they are strong enough. These claims can be developed into full-blown player cities, with crafting stations, fortifications and a tax system.

Settlements and forts are part of territories, which player companies can govern.

Settlements will also allow for player housing, even granting access to players outside the owning company to build their houses and farms there, in exchange for taxes and support in war.

These settlements cannot be built freely like in previous versions but come pre-built. Crafting stations and other features such as fort defense can however be upgraded through town projects that are activated by the controlling company and can be contributed to by any player. This involves completing quests that award XP and currency.

Settlements can be attacked by other companies during war or by NPC invasions. If a settlement is unclaimed (at the start of the game), it can be claimed by simply paying a fee at the territory's fort.

Settlements require the controlling company to pay upkeep and might downgrade if it is not paid or if players fail to defend against invasions by the Corrupted.

Companies gain taxes from settlement residents and crafting or trading activity, and can set the tax rate.

Players can join a settlement by purchasing a house in it. Houses are not affected if settlement ownership changes.

A territory fort is the structure that players have to fight over in order to take control of a settlement/territory.

Items in storage of player housing are safe even if the settlement is conquered by an opposing company.

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