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I see. I would question whether such a collegium would happen since gladiators within a familia already had all the fraternity they needed. There's no mention of such a collegium in anything I've come across and if you think about it, Rome is not going to let slaves and trained fighters organise themselves. They wouldn't let fighters who spoke the same language stay together, and from the sources I gather there was a sort of status thing going on between different classes of gladiators that would mitigate against a collegium as well. If I find anything I'll revise my opinions, but for now, I would treat this Collegium Armariorum with raised eyebrows.

The key words to answer the question of the topic-starter will be "nomina facit", "negotium conficit". In short, Romans would have special ledgers to record their creditlines, and the ledgers would be managed independently. It is worth checking the PhD work by the following fella 1978, English, Microform, Thesis edition: Bankers, moneylenders, and interest rates in the Roman Republic / by Charles T. Barlow. https://web.archive.org/web/20160310002947/http://trove.nla.gov.au/work/21318655?selectedversion=NBD2342223 A more interesting question is how Romans made money transfers between different parts of the empire. Here the key word to check would be "permutatio". This required publicans (tax collectors) to participate.