Fixed the error with Babama vs Heldin. the NPC was originally named Babama in the TW version but Aeria has decided to localize it to Heldin.
Added in Guild Crystal header with more information to come.
Unfortunately, as far as I know right now the income tax is default to 10% and there is no option to change it. Even the guild leader of Unity is unable to find the button for it.
No, the gold in the guild funds cannot be withdrawn. The gold is directly used through first establishing the guild town and then paying merchants and crafter npcs to come to your town.
I believe the guild town is already in place but, as of last night when I was on, no one has achieved one yet.