Jack B Nimble answered something (to What exactly do the Malfoys do for a living? ) which seems to be in need of confirmation from the canon.
Much like the British Royalty the Malfoys have "old money" which is apparently enough that the interest can perpetuate their lifestyle.
Since Gringott's is the only bank in the Wizarding World, is there any evidence that they pay interest? They don't seem to be using the treasures stored in the vaults as money against which to make loans, so I don't think they work the same way as ordinary British banks do.
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