Dawn Spider

Chapter 171 Loan Officer: Bank

Haimeng Peak, a branch mountain range extending from Zitan Peak, runs straight south to Qianguo Mountain.

Spiders often travel south along the mountain range, and over time, they have created a path that winds southward along the ridge.

...

“Lord of Wild Indigo Mountain, I will still search the woodland north of Lightwood Peak today.”

Leaving its nest at dawn, Tianlan found the busy Wild Indigo Mountain Master in the forest to inform him, then flapped its wings and set off lightly.

They hadn't flown far when, in a flash, they seemed to see what looked like Flame Spider Warriors running along the distant mountain ridge...

Tianlan turned around and flew towards the mountain ridge.

This time I saw it clearly; it was a half-grown Flame Spider Warrior, running along the way.

"what!"

With a soaring blue wingspan and a buzzing roar, the figure transformed into a streak of blue and gold, flashing as it approached.

The running Flame Spider Warrior stopped and turned around to look.

"Are you Tianlan, the Leaf-toothed Golden Mud Bee Warrior from Thousand Fruit Mountain?"

"Are you Yin?"

"It's me. Silver, the Flame Spider Warrior from Mount Silky Sunflower!"

"Yin, have you been staying at Silk Sunflower Mountain all this time? It's been so many years!"

"Yes."

Yin and Tianlan met at Sumu Peak when the Flame Camphor Lord broke through to become the Flame Camphor Spider King.

Back then, we were all intermediate-level warriors. Seven or eight years have passed in the blink of an eye, and now we are all advanced-level warriors.

"Silver, why did you come here alone? Where's Gold?"

"Fourth Brother just returned from Ivory Island. He has been working hard all year and is resting at Silk Mountain."

"I heard that the gold deal has taken place in Ivory Coast?"

"Yes. It started last year."

"I also heard that Jin is directing the Curcuma Insect King and the Stone Insect King to excavate the ruins?"

"That's not how it works. It was the two Insect Kings who led Fourth Brother to excavate the ruins."

"Jin Cai is a high-level Flame Spider Warrior. The two Insect Kings are willing to take it along, which must be because Jin is powerful and knows how to find ruins."

"Yes... Fourth Brother is smart... He's good at deciphering and cracking information about alien civilizations..."

Yin didn't want his fourth brother's relationship with the two insect kings to be ruined by messy, unfriendly rumors about the Eshu Insect King and the Shizi Insect King, thus jeopardizing his important fortune. He gave a vague answer, then changed the subject, asking:

"Are the Lord of Wild Indigo Mountain and Elephant Catkin both in Thousand Fruit Mountain?"

"Here."

"I'm here on business."

"Getting things done? You don't mean a loan, do you?"

"Exactly."

"..."

Sky Blue waved its tentacles and said, "Silver, I'll take you there."

...

...

Beside the garden where the divinely bestowed seed of the golden-mouthed scorpiontail banana takes root, enclosed by a metal wire mesh.

Lord Wild Indigo Mountain and Elephant Catkin rushed over.

"silver?"

"Why is it you? Where are the Red Cone Mountain Lord and Jin? Taro didn't come either?"

"The Lord of Red Cone Mountain went to Sea Lemon Peak with Lord Famu and Lord Silk Sunflower to deliver the Force food. There are many things to do at the beginning of the year, so I came alone to deal with the loan that was agreed upon last year."

The silver shell carried two small spider silk bags. With a thought, it removed one, opened it, took out a silk scroll, and controlled it to float and hover in front of the elephant.

"This is a loan agreement. Xiang Pu, the Lord of Red Cone Mountain lends you divine-given primal force food worth 6 primal stones, interest-free, to be repaid after you reach the level of a mountain lord."

"Concentrate your mental energy and leave a mark on the contract, and you're done."

"..."

Xiang Pu looked at the Lord of Wild Indigo Mountain. The Lord of Wild Indigo Mountain nodded slightly with his antennae.

Xiang Pu followed his instructions.

"Okay! Contract complete."

Yin retrieved the spider silk scroll, rolled it into a tube and put it away. At the same time, he controlled the 6 'credit currency' tokens, which were lined up and displayed in front of him, floating and hovering.

"This is a token currency, with a face value of 1 Primal Stones. Any insect can simply take the token to the Sea Lemon Peak Kingdom warehouse during the annual Sea Lemon Flower trading season, find the Five School Spider Kings, and exchange it for the corresponding amount of divinely bestowed Primal Force food they need."

"There are 6 in total, amounting to 6. Xiang Pu, keep them safe."

After Yin finished speaking, the six banknotes that had been laid out in a row were gathered into a stack, rolled into a cylinder, and gently placed in front of Xiang Pu.

"Thank you!"

"Please thank the Lord of Red Cone Mountain for me!"

The elephant expressed its gratitude by manipulating a metal wire to secure the letter and hang it on its antennae.

"You're welcome."

Yin continued, "Fourth Brother asked me to come and ask Xiang Pu, if you have enough of the divinely bestowed food worth 6 Origin Stones for your 8th evolution stage? If not, Fourth Brother has surplus resources this year and can lend you another 6."

"The rules remain the same: an annualized interest rate of 3%, with discounts available. Interest will be calculated only after reaching the Mountain Lord level. Furthermore, the interest portion can be repaid with raw gems, but the interest rate will need to be increased to 5%."

Xiang Pu: "..."

Master Ye Dian asked, "What about next year? How much gold can you lend?"

"Any amount is fine! We can lend you any amount!"

Yin said confidently, "Whether you lend it or not, how much you lend, is up to you."

Master Ye Dianshan pondered for a moment and then asked, "Is it possible to borrow 6 from Jin this year, 12 next year, and 12 the year after, for a total of 30?"

Yin said, "No problem! Fourth Brother also meant it; whole numbers are easier to calculate."

Both Lord Ye Dianshan and Xiang Pu thought the loan was feasible and had been looking forward to it for a year.

Xiang Pu readily agreed, "Alright, I'll lend you the 6!"

Without saying much, Yin controlled the 'loan contract' floating in front of the elephant.

Xiangpu concentrated his mental energy and branded himself.

"it is good!"

Yin retrieved the loan agreement and simultaneously controlled six 1-denomination banknotes, which floated and hovered in front of the elephant, displayed in a row, then gathered them together, stacked them, and rolled them into a cylinder.

The elephant manipulates a spider silk thread to wrap and bind itself, hanging it on its antennae.

"Happy cooperation!"

Having completed the task more smoothly than expected, Yin was secretly delighted, but outwardly remained solemn and serious. He then took out a 10-year 'bond' with a face value of 1, unfolded it, and explained:
“If this ‘loan’ business grows too big, even slightly, my fourth brother and I will not be able to sustain our wealth. The ‘deposit’ business we discussed last year has major flaws. The biggest problem is that once it’s opened up, there’s no doubt that many unscrupulous people will rush to deposit their money with us. There will definitely be a situation where deposits exceed loans.”

"So, my fourth brother and I discussed it and made some improvements. We changed the 'deposits' to issuing fixed-amount and periodic 'bonds'..."

Yin Weiye, the master of Indigo Mountain, and Xiang Pu explained in detail how to play 'bonds', and finally said:
"When issuing bonds in the future, we will give priority to Zerg warriors who have cooperated with us in transactions. In particular, Zerg warriors who have borrowed from us and repaid on time and have good credit will have priority to purchase these bonds."

"..."

"Row."

"it is good."

"no problem."

"Thank you very much."

"You two little spiders, you have so many tricks up your sleeves."

The Lord of Wild Indigo Mountain and Elephant Cattail agreed.

I don't really care about 'bonds'.

They were more concerned about whether the 'Card Currency' in the claw could really be exchanged for a corresponding amount of divinely bestowed Force food.

Silver grew up under the constant influence of Gold. Whenever something happened, Silver would carefully observe Gold's reaction, thus developing an unconscious ability to read between the lines.

Yin silently observed, and somewhat discerned the thoughts of the Wild Indigo Mountain Lord and Elephant Pu. He retrieved the bonds, quickly packed his bags, and said:

"The mission is complete. I won't bother you any longer. I'll head back to Sikui Mountain to report to Fourth Brother."

"Lord of Wild Indigo Mountain, Xiang Pu, you two should hurry up and find the Spider King of the Five Schools to exchange for the divinely bestowed food you need. If you go too late, all the good stuff will be gone."

"We offer after-sales support. If you have any questions, especially about the exchange process or if the Five Schools Spider Kings make things difficult for you, you can come to Silk Sunflower Mountain to find me and Fourth Brother. We'll go and talk to the Five Schools Spider Kings."

(End of this chapter)