Characters on different accounts can transfer money or items between them as long as both players agree in text to the transfer. These can be gifts or they can be trades/sales, but in the latter case we urge players to review the page on Calculating Item Worth if they want to price goods fairly for exchanges.
When a character dies, players can also specify a "last will and testament" for their items and money, even if they didn't draw one up ahead of time. As with living characters, item and money transfers have to be consensual and agreed-upon by the intended recipients.
When transferring money, only freely available silver can be transferred. Invested silver, economy levels and reputation cannot transfer. The same may be true for some "items" which represent boons or curses in game given to a specific character, but they should specify on the item whether or not they are transferrable.
To avoid anyone gaming character-to-character exchanges, a character cannot give money or items away without an equal exchange from the recipient when they are below 40 HXP. Below 40 HXP, they can still exchange money and items for an equivalent share according to the rules on Calculating Item Worth. This is true even if the character under 40 HXP dies before transferring items - the money or items exchanged to make the trade fair are effectively lost in the transfer.