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They already stated those 2 are out.
The game takes place around 1400.
Goldsmiths kept the gold of the people in their safes at that time.
At some point they started to charge a fee for it and without the owner's knowledge they gave their gold as a loan to others.
Most of the time, goldsmiths were the only ones with a safe. Even lords and other aristocrats stored their gold there.
The birth of modern banks and the senseless monetary system of today.
There were banks at least since 13th century, specially in Italy, like the Medici's bank
If the The Guild have a modern theme, it may have the stock system and securities trading.