The Merchant is an NPC who appears when all players on a world have a combined total of at least 50 Silver Coins and there is a Home for him to live in. Once the requirements are met, the Merchant will move into the player's world and sell/buy items.
When prompted, the Merchant will say one of the following phrases, depending on the current time:
During the morning, "Lovely morning, wouldn't you say? Was there something you needed?"
During the day, "The sun is high, but my prices are not!"
During the day, "Boy, that sun is hot! I do have some perfectly ventilated armour." (Despite not selling any defensive armour, except the mining helmet.)
During the Evening, "Night will be upon us soon, friend. Make your choices while you can." (Despite selling items at night.)
During a Blood Moon, "Have you seen Chith... Shith... Chat... The big eye?"
During a Blood Moon, "Keep your eye on the prize, buy a lens!"
During a Blood Moon, "Hey, this house is secure, right? Right? <character name>?"
During a Blood Moon, "Not even a Blood Moon can stop capitalism. Let's do business."
During a Blood Moon, "Oh Great. I can hear <Nurse's name> and <Mechanic's name> arguing from here. (Referencing that during a Blood Moon, Female NPCs show tension when they talk, Nurse and Mechanic must be present)
"I hear there's a secret treasure... Oh, never mind."
"Kosh, kapleck Mog. Oh sorry, that's Klingon for 'Buy something or die.'"
During the night, "I wonder if the moon is made of cheese... huh, what? Oh yes, buy something!"
"Sword beats paper! Get one today." (Although the Merchant doesn't sell swords.)
"Check out my dirt blocks, they are extra dirty."
"Ah, they will tell tales of <character name> some day... good ones, I'm sure."
"Did you say gold? I'll take that off ya'."
"<Character name> is it? I've heard good things friend!" (Usually heard the first time you talk to him.)
"Money, Money, Money!" (Reference to ABBA / Killing Floor)
"I hope a scrawny kid like you isn't all that is standing between us and Cthulhu's Eye." (Eye of Cthulhu must not have been defeated yet in the world.)
"(if you have the requirements for the eye of Cthulhu.) I feel like an evil presence is watching me." (It's possible that the Merchant, similar to the Old Man, is cursed by a monster. In this case, The Eye of Cthulhu)
"Do you have any idea how much dirt blocks sell for overseas?"
"You want apples? You want carrots? You want pineapples? We have torches."
"The last guy who was here sold me junk... er I mean... treasures!"
"You have no idea how much dirt blocks sell for overseas."
Note: Upon adding a new name, make sure you add it in alphabetical (ABC) order.