The Scarlet Jack

Medium undead, neutral

Armor Class 21 (natural armor)
Hit Points 260 (18d10+144)
Speed 0 ft., fly 120 ft.

STR	DEX	CON	INT	WIS	CHA
10 (+0)	16 (+3)	16 (+3)	12 (+1)	14 (+2)	15 (+2)

Damage Immunities acid, cold, fire, force, lightning, necrotic, thunder; bludgeoning, piercing, and slashing from nonmagical attacks
Condition Immunities charmed, exhaustion, frightened, grappled, paralyzed, petrified, poisoned, prone, restrained, stunned
Senses truesight 120 Ft., passive Perception 18
Languages telepathy 120 ft.
Challenge 21 (33,000 XP)

Special Traits

• Burning Beacon. The Jack innately knows where its quarry is, as per the spell locate creature.
• Incorporeal Movement. The Jack can move through other creatures and objects as if they were difficult terrain.
• Debt Paralysis. Any creature that starts its turn within 20 feet of it must make a DC 21 Wisdom saving throw. On a failed save, the creature is paralysed until the start of its next turn. If a creature’s saving throw is successful, the creature is immune to the Jack’s Debt Paralysis for the next 24 hours.

Actions

• Blood for Blood. If the Jack’s quarry cannot pay the nightly amount owed, the quarry’s allies can choose to voluntarily sacrifice their life force to cover the debt. The Jack absorbs one hit point per gold coin demanded from up to 4 humanoids within 30 feet; these hit points are permanently lost and nothing short of a wish spell can restore them.
• Red Harvest. The scarlet Jack targets one creature it can sense within 10 ft. of it. It reaches into the target’s chest and pulls out it’s glowing soul. The target must succeed on a DC 25 Constitution saving throw or die. The Jack then transforms the soul into a blood-red coin, placing it on the scale to balance the debt.

About

An ethereal blood red skeleton in a tattered and billowing crimson robe.

The Jack is a manifestation of the red debt, the ancient pact formed when an oath taken in blood is broken.

The Jack demands payment: one gold piece on the first night, two on the second, and so on, doubling every night. Once its quarry has been marked, only gold or death will stop it.

Pay the Jack your toll or it will claim your soul in forfeit.