Dawn Spider

Chapter 159 Financial Prodigy

With the Force of the Astral Plane just beginning to recover, the Nature Gods likely survived the long Force vacuum period as ordinary insects and plants, gradually rising to prominence as the Force revived.

The methods for passing on memories are too rudimentary.

Everything started from scratch, and the level of civilization was still at the primitive tribal stage.

The Flame Spider Kingdom and the Ivory Island Kingdom organized their best warriors to travel across the ocean to the southern continent to trade. They only charged a 5% fee for the Force food they brought back, making it almost a charitable activity.

Under the protection of the true god of nature and the rules of divine power, cultivating a new variety of plant that meets certain conditions can trigger a divine gift, directly obtaining a divinely bestowed seed. All insects believe that the divinely bestowed seed is a gift from the true god of nature, and the insect warriors who obtain the divinely bestowed seed are favored by the god.

No matter how reasonable, clever, or covert the method used to seize the divine resources of other Zerg warriors, it will arouse the vigilance and resentment of other Zerg.

Regarding interest-bearing loans, the Lords of Silk Sunflower Mountain and Red Cone Mountain firmly opposed them, which also represented the attitude of most Zerg warriors.

This primitive, simple, but stubbornly conservative mindset is not a good thing. It hinders the free flow and scientific allocation of resources and actually obstructs the development of civilization.

The Flame Spider Kingdom and the seven tribes of Ivory Island also provide "loans" to Zerg warriors who struggle with evolution, interest-free. However, lacking any incentive, the source of the loan funds is a major problem. Limited tribal resources severely restrict the loan conditions, amounts, and other aspects, failing to provide effective assistance to Zerg warriors who genuinely need it.

In addition, another reason is that large tribes help and lend to each other.

Take, for example, the Zitan Peak that Jin is most familiar with:
The three Flame Spider Warriors—the Lord of Zitan Peak, the Lord of Zongzhu Peak, and the Lord of Fashu Mountain—possess divinely bestowed seeds.

It was originally Lord Famu who 'lent' his resources to Lord Palm Bamboo to help Palm Bamboo evolve into a lord.

The current situation is that the divine seeds produced by Lord Famu and Lord Palm Bamboo are concentrated on Lord Famu Mountain, and they are working together to help Lord Famu Mountain break through to become a lord.

In the future, if the Lord of Fashu Mountain successfully breaks through to the Lord level, then Zitan Peak will have three Lords and three Lord-level divinely bestowed seeds.

Going back, we can combine the resources from the three Divine Seeds to help Lord Famu defeat the Insect King.

This is what Zitan Peak is doing right now.

This kind of mutual lending and support is common among the Flame Spider tribe and the seven tribes of Ivory Island.

They borrow from each other within the mountains, or between mountains closely related by blood, and repay the same amount they borrowed later, without any interest.

Therefore, it is difficult for these warriors of the great clans, who are used to helping each other, to approve of such a "shameless" act as "paid lending".

Borrowing money for profit, gaining without labor, will be despised and rejected by most people.

Jin has a clear understanding of the Zerg society and is well aware that in their established way of thinking, innovation is equivalent to reform, which is close to revolution. If things get too radical, there could be bloodshed and sacrifice.

Seeing the resolute attitudes of the Lord of Silk Sunflower Mountain and the Lord of Red Cone Mountain, Jin didn't say much more.

……

The leader of Red Cone Mountain changed the subject and asked, "Jin, what about the third thing you mentioned?"

Jin replied, "Last year, while excavating ruins on Ivory Island, I obtained a batch of Primal Crystals. I plan to use 20 Primal Crystals, which is equivalent to 20 Primal Stones, to purchase a metal box that matches the Divine Force Food Processing Equipment."

"Lord of Red Cone Mountain, when we have time, let's visit the various peaks and inquire to see if there are any spiders left to sell."

"no problem!"

The Lord of Red Cone Mountain agreed and asked, "What about Ivory Island? Last time at the Cyathea Mountain ruins, most of the treasure chests were taken by the insects from Ivory Island!"

"I've already asked. No, it won't work."

Jin said, “The insects on Ivory Island are not as easy to talk to as their Flame Spider kin. They know that my God-given Force food processing equipment requires treasure chests, and that my cooperative processing trade requires these treasure chests, so they all raise prices on the spot. Ordinary chests cost five thousand or ten thousand, while chests containing God-given Force food cost twenty thousand, thirty thousand, or fifty thousand. What’s even more outrageous is that many insects demand payment in the form of God-given Force food.”

"Five thousand?"

"fifty thousand?"

"Are they so poor they've gone crazy?"

Are all the insects on Ivory Island this wicked?

Silk Sunflower and the Lord of Red Cone Mountain angrily rebuked.

Silver raised its claws high and said viciously, "They really should be given high-interest loans! Borrow them until they're bankrupt!"

...

After chatting for a while, the insects got down to business.

Yin skillfully operated the processing equipment, helping the Red Cone Mountain Master and Dafeng process last year's 'salary' into a gene agent.

The divinely bestowed food, worth 5 primal stones, includes many lord-level items. After being mixed and processed, it fills about half a storage box.

Dafeng, carrying its suitcase, left directly for the Red-headed Termite Kingdom on Ivory Island. During the busy annual trading season, it still had to do tasks for the Secret Order ant king.

The Lord of Red Cone Mountain and the Lord of Silk Sunflower Mountain, together carrying the produce from last year's territory and the processed divinely bestowed food from last year's cooperative transactions, headed to Purple Sandalwood Mountain to meet with Lord Famu, and then delivered it all to the kingdom's warehouse.

...

The loan proposal was rejected.

However, both Lord Silk Sunflower Mountain and Lord Red Cone Mountain thought that issuing 'credit currency' was feasible, at least in the Flame Spider Kingdom. If it succeeded, Lord Red Cone Mountain's trading work would be much less of a hassle.

Jin stayed at Silk Mountain, where he drew silk and wove it into 'credit currency'.

"Fourth Brother, is this a 100-stone denomination?"

"Yes."

Do you want change?

"Correct."

"What if I hoard the 'credit currency' and don't exchange it for divinely bestowed food from the Spider King of the Five Schools in time?"

"Then you'll have cash savings."

"I'm referring to the Spider Kings of the Five Schools. The divinely bestowed food in seed form usually only lasts two or three years, and even the most durable nuts and seeds only last five or six years. If we don't exchange them in time, won't they spoil if we leave them in the warehouse?"

"So, I've arranged to acquire more metal boxes. We'll process and store the surplus Force food. If the trade grows, we can hire another Flame Spider Warrior to open a 'shop' at the Sea Lemon Peak Trading Plaza, making it convenient for everyone to exchange items at any time."

"Oh--"

Silver Spider's eyes gleamed, giving off an "I understand" look.

"Fourth Brother, you're so mean!"

"what happened?"

"If the Credit Currency is widely adopted, will the Divine Force Food corresponding to it really just be hoarded and patiently wait for everyone to exchange for it? Couldn't it be offered as a loan with interest to those warriors in need? Wouldn't that be like getting 3% to 5% interest for free?"

"..."

Jin said seriously, "I haven't thought about this issue. However, Yin, what you said makes a lot of sense. If the Credit Currency becomes popular and widely circulated in the Flame Spider Kingdom, and a large number of Credit Currencies are not exchanged in time, then it is indeed worth considering borrowing God-given Force food at a super low preferential interest rate to help those Zerg warriors who urgently need resources to evolve and grow."

"I knew it……"

Yin turned to the side and said with a sidelong glance, "However, this job has a potential fatal flaw. What if you lend out the resources, but suddenly a lot of Flame Spider Warriors come to you with Credits to exchange for them? Wouldn't you be unable to exchange them? That would be a disaster."

Yin said, "There are two ways. First, expand the trading volume and promote the credit currency to Ivory Island, and even the Southern Continent!"

"The second method is to use interest rates to guide deposits and attract a reasonable amount of deposits. But there must be a limit. It's not hard to imagine that once deposits are opened up and credit is guaranteed, countless people will be scrambling to deposit with us, and they'll be the kind who only deposit and not lend, and it will all fall apart in no time."

Yin got more and more excited as she talked.

"Fourth Brother, these aren't the biggest problems. I think the most fatal flaw in your idea is the interest rate. An annual interest rate of 3% to 5% is too aggressive; no one can afford it. It must be lowered. But after lowering it, it seems there's no profit to be made."

what!
I didn't realize Yin was such a financial prodigy. "I just wanted to make things easier for the Red Cone Mountain Lord's transactions; I didn't think that much about it."

"Yin, you're smarter than me!"

Jin praised her enthusiastically and suggested, "Yin, how about this, you do this job?"

silver:"……"

Yin Xin is very knowledgeable; this job is easy to get beaten up for.

"Compared to Fourth Brother, I'm just a fool, a stupid spider. Fourth Brother, this job is too risky, I think we should give it up for now."

Yin Youyou said, "Fourth Brother, I didn't mean anything by it. I just wanted to say that when things are done, could you lend me some money first? I want to break through to the Mountain Lord level as soon as possible."

"Row!"

Jin agreed without hesitation.

Yin asked, "Interest-free?"

Jin readily agreed, "Absolutely."

Yin's eyes darted around, and she said, "Fourth Brother, there's another problem. What if the loans we've taken out can't be recovered... in other words, they're refusing to pay them back no matter what? What are you going to do?"

Kim replied matter-of-factly, "Then kill him."

silver:"……"

Jin said seriously, "Therefore, we will only lend to those insects that have the divinely bestowed seed of life, to ensure that they have the ability to repay. If they have the ability to repay but refuse to do so, then we will have to see our strength and power. If we are powerful, we can put them on the list of dishonest insects, block their channels for exchanging primal force food, and starve them to death. If we are strong... we can use force to collect the debt if appropriate."

"Hiss... hiss..."

*Smack!* Are you really going to kill him?
Upon hearing that violence was involved, Yin immediately cowered and muttered, "It really isn't an easy job!"

Jin's tone shifted, becoming stern, as he asked, "Yin, in the year I was away, did you keep up with your physical training and combat drills?"

"no!"

Yin said, "Every time I look at the calendar and see that the Lord of Red Cone Mountain or the Great Wind is going to deliver goods, I wait on the mountain in advance. Since waiting is boring, I practice my combat skills diligently."

"Taro can be my witness!"

"Whoa! Whoa! Whoa!"

The taro nods to the taro leaves.

"That's pretty much it."

Jin's tone softened slightly as he said, "Yin, the rules of the Force world are simple: combat power is hard power, and wealth is soft power. If you have both, you will control the discourse and the dominant power in this world. Whatever you say will be right, and whatever you do will be correct."

"I understand, Fourth Brother."

Yin, being honest and straightforward, agreed.

Jin ignored them and continued to weave up the currency.

...

Food bestowed by the gods is precious, so the minimum denomination is set at 100 Originium.

Each sheet is 13 cm long and 6.5 cm wide.

One stack of 100 sheets, Jin spent two days weaving five stacks in one go.

Only three denominations are available: 100 raw stones, 1000 raw stones, and 10000 raw stones.

The 1000 denomination is 17 cm long and 8.5 cm wide.

One stack of 100 sheets, I reckon three stacks should be enough.

The 10000 denomination is 21 cm long and 10.5 cm wide.

One stack of 100 sheets, and three stacks are woven in the same way.

This thing will be directly linked to the divinely bestowed Force food, and it concerns the reputation of Silk Sunflower Mountain and Shanglu Bank. It cannot be issued indiscriminately or abused.

The Lord of Silk Sunflower Mountain and the Lord of Red Cone Mountain returned with their deliveries.

Jin gathered everyone together to discuss and then solemnly handed over the tokens to Lord Sikui Mountain, placing them into a crystal storage box.

"Lord Silk Sunflower Mountain, this matter concerns the very foundation of our processing and trading of divinely bestowed primal force food. I would be grateful if you could personally safeguard it. Provide as much as needed. For every amount issued, a corresponding amount of divinely bestowed primal force food must be retrieved. Send it to the kingdom's treasury every three months and keep accurate records."

"Row."

The Lord of Sikui Mountain agreed.

I am quite pleased.

Jin is very cautious and meticulous in his work. Judging from his attitude, this matter was not a spur-of-the-moment decision or a reckless act, but rather a decision made after careful consideration.

Upon reflection, using so-called 'credit currency' for bookkeeping, or as 'tokens' for the circulation of Force food, could indeed save everyone a lot of trouble.

The only problem is that this kind of 'credit currency' cannot be created and issued at will.

"Yin, you are in charge of oversight. You must be present every time the tokens are withdrawn. You must also properly count the divinely bestowed food that has been recovered to ensure the numbers are accurate, understand?"

"understand!"

Yin Kengqiang agreed.

Jin looked at the master of Red Cone Mountain.

The Lord of Red Cone Mountain was not satisfied and said, "Jin, do you think I would cheat you?"

No. That's not what I meant.

Jin explained, "First, I'm worried about making mistakes in trading; second, everything needs to follow rules. Only with clear and strict rules, and rigorous enforcement, can we achieve long-term sustainability and grow into a large and strong company."

"Including myself. I can't issue this kind of credit currency at will. For every one I issue, I need to report to the bank and provide the warehouse with a corresponding amount of divinely bestowed primal force food."

Is their power really that great?

Even my fourth brother has to be under my supervision?

Silver Heart raised its pincers high, waved them vigorously, and shouted, "Fourth Brother is right! If we want the credit currency to be recognized and accepted by everyone, we first need a set of strict rules and regulations, and to strictly enforce those rules. No one is allowed to act recklessly! Not even Fourth Brother!"

Lord Sikui echoed, "Jin is right. It's fine if the credit-based currency doesn't spread and become popular. But once it's accepted by everyone, the implications will be too great, and its issuance must be strictly controlled. This isn't about targeting anyone or distrusting anyone; it truly requires a simple, clear, and rigorous set of rules."

"Ok."

The Lord of Red Cone Mountain asked, "Jin, what's next? Purple Sandalwood Mountain, should we find Lord Famu? We've already mentioned this to him, and Lord Famu thinks it's feasible."

Jin said, "That's great! Let's go straight there."

"I want to go too! I want to go too!"

"Splash! Splash~"

Upon hearing this, Silver and Taro jumped up with joy.

(End of this chapter)