Dawn Spider

Chapter 177 Big Customer

Yilan Mountain.

A gentle breeze blows, the setting sun casts its rays, and the lake below ripples with golden waves.

An excellent settlement nestled against the mountains and beside the water.

"Ryusang!"

"Ryusang!"

“Ryusang…”

Flying through the azure sky, it intentionally emitted a buzzing roar, while simultaneously vibrating and calling out with spiritual energy.

Behind the mountain, in the dense forest, a large butterfly with a wingspan of over two meters and colors of black, white, and brownish-red fluttered into the air.

"Sky blue?"

Liu Sang called out, overjoyed yet somewhat puzzled, and asked, "Weren't you going to the southern forests of the mountains to search for the divinely bestowed seed? Why are you here at Yilan Mountain?"

"I came here with Yin and Taro..."

Sky Blue flapped its wings and accelerated to meet it, hovering in mid-air, waving its antennae and pointing, saying:
“The silver and taro from Silk Sunflower Mountain came to visit Lord Tianqing of Yilan Mountain to promote interest-bearing loans.”

"A loan? The kind that's loaned to your Thousand Fruit Mountain?"

"Yes. They came over to ask if Lord Tianqing needed it."

"Forehead……"

"Did you take out a loan from Xiangpu?"

"I borrowed it! Last year, I borrowed 12 and successfully exchanged it for God-given Force Food worth 12 Primogems. This year, I borrowed another 18. Xiang Pu can now evolve to the 9th stage by eating only God-given Force Food. There will be another 18 next year. With so much God-given Force Food, there should be no risk of failure for advanced warriors to break through to the Mountain Lord level."

Hearing this, Liu Sang added with envy, "There's still a chance to comprehend more and stronger elemental abilities."

Liu Sang asked, "Tian Lan, what about you?"

Tianlan replied, "I'll slowly make it to the level of a 7-year-old advanced warrior, and then wait. Xiangpu said that after it evolves into a mountain lord and pays off the loan, it will give me divine resources. During my 7-year-old, 8-year-old, and 9-year-old advanced warrior stages, I will only eat divinely given primal force food to evolve."

Liu Sang asked, "How long will it take?"

Tianlan replied, "It will indeed take many years, but it's better than failing to break through and losing my life."

Tianlan asked, "Liusang, what about you?"

Liu Sang replied, "I'm in a similar situation. I'm planning to evolve to the 7th age stage. Then, for the 7th, 8th, and 9th age stages, I'll use divinely bestowed primal force food to evolve, ensuring that the advanced breakthrough to the Mountain Lord level is foolproof."

Tian Lan asked, "Will Lord Tianqing help you exchange resources?"

Liu Sang replied, "Yes. There's only me and it on Mount Yilan."

Tianlan asked, "Has the evolution and growth of the Tianqing Mountain Lord stagnated?"

Liu Sang said, "The Lord of Tianqing Mountain is stuck at the 6th stage. At the 6th stage, it needs to eat a full amount of divinely bestowed primal force food to evolve into the 7th stage and try to comprehend a new ability."

"Oh!"

"That……"

Tianlan said, "We can still consider taking out a loan."

"I don't understand..."

Liu Sang shook his antennae and said, "The Lord of Tianqing Mountain and I have been unable to find a second divinely bestowed seed, and resources are very scarce."

Tianlan said, "The interest can be repaid with Primogems! However, the interest rate has increased from 3% to 5%. If you only evolve by eating God-given Primogem food, you can consider exchanging the resources produced by ordinary life forms for Primogems to repay the interest."

"Huh~"

Liu Sang's eyes brightened slightly.

I heard Tianlan talk about "interested loans" two years ago, but I didn't pay attention at the time and just listened to it as something interesting. Now it's happening to me...

If you can use raw gems to pay off the interest, then that's definitely something to consider!

Liu Sang pondered carefully and said, "The Tianqing Mountain Lord has only comprehended two earth-type abilities. It doesn't want to give up hope of evolving into an insect king. Therefore, the 7th, 8th, and 9th instars of the Mountain Lord level all need a lot of divinely bestowed primal force food. Can Sikui Mountain lend out so many resources? Or will it take many years to lend them out?"

Tianlan said uncertainly, "They can lend out a lot of resources, right? I heard they plan to issue bonds to raise resources."

Liu Sang asked doubtfully, "Bonds? What are those?"

Tianlan explained, "Bonds are like borrowing God-given food resources from other Zerg warriors, paying 3% interest annually. It's like Sikui Mountain Residence borrowing God-given resources from elsewhere and then lending them back to Tianqing Mountain Lord."

"In the future, when Lord Tianqing evolves into a Lord-level being, he can also purchase bonds, which is equivalent to lending resources to other insects in need through Silk Sunflower Mountain. Lord Tianqing can also obtain a 3% interest income."

"Like This!"

"I understand!"

Liu Sang thought for a moment and said, "The main reason is to help the Wild Banana God-given Seed evolve into the Lord level as soon as possible. The Lord level produces more bananas of higher quality, which greatly increases the profits from cooperative fruit processing, right?"

Tian Lan said, "That's roughly the idea."

"I think it's pretty good!"

Liu Sang said, "The sun is about to set, and the Lord of Tianqing Mountain will be back soon. Let's ask it for its opinion."

The taro is climbing too slowly.

Tianlan led the way, bringing Liusang to greet them.

Liu Sang already understood the loan situation. After exchanging greetings and a brief chat, they went together to the woodland behind the mountain to visit the divinely bestowed seed of wild banana.

Didn't wait long,

The master of Tianqing Mountain, who had ventured into the wild jungle in search of divinely bestowed seeds, has returned.

Yin stepped forward and formally introduced the paid loan business.

Upon hearing that the interest could be repaid with raw stones, Lord Tianqing was immediately tempted.

The wild banana seed is considered one of the most profitable divine seeds.

The Tianqing Mountain Lord's ordinary life seed production is partly exchanged for raw stones, used for territory management and age evolution; partly exchanged for ordinary primal force food of the same level, at the Mountain Lord level, which is fed to Liusang; occasionally, if luck is on his side, he will exchange for Lord-level ordinary primal force food, and only then will he eat a little himself.

If one could use raw gems to pay interest and borrow divinely bestowed food, then it would certainly be worth considering.

Lord Tianqing's mind raced as he silently calculated, then asked, "How much can Sikui Mountain borrow each year? Since your loans have interest rates, it's definitely more worthwhile for me to break through to the Lord level as soon as possible."

"Any amount is fine!"

Yin opened a spider silk pouch, took out a 'bond', and controlled it to float and hover in front of Lord Tianqing Mountain, saying:

"These are 'bonds' that our Silk Sunflower Mountain is preparing to issue. The interest rate is 3%, the face value is 10, and the term is 10 years. After 10 years, you can use the bond to receive divinely bestowed primal force food worth 13 primal stones!"

"We raise funds by issuing bonds. We'll issue as many as you need, Master Tianqing."

Yin followed up, saying, "Lord Tianqing, after you evolve to the Lord level and pay off your debts, you can also consider buying these bonds. You can earn back the interest you paid on the loan for breaking through to the Lord level!"

"With principal plus interest, once you've accumulated enough, then consider the growth and evolution to lord level. You do the math, isn't that more cost-effective?"

"And the resources you lent us, we used to help other warriors who needed resources to grow and evolve quickly. Everyone benefits, and the source of the benefit comes from the increase in the Divine Seed after a rapid breakthrough, right?"

"That's right!"

"Yes!"

Tianqing Mountain Master and Liusang simultaneously twitched their antennae.

The logic is easy to understand. Top-tier races like the Flame Spider tribe allow their warriors to borrow resources from each other, thus achieving efficient resource utilization.

Wild warriors like Tianqing Mountain Lord and Liusang, who did not form tribes and were left without support, lacked the conditions for group mutual assistance.

Loans and bonds, in essence, are guarantees provided by Sikui Mountain to facilitate communication between warriors of different races and enable resource mobilization and mutual assistance.

"That's a brilliant idea!"

Master Tianqing praised him highly and asked, "Yin, did you and Jin come up with this together?"

Yin humbly replied, "Most of the ideas came from Jin; I only came up with a small part of them."

Yin asked, "Lord Tianqing, how much do you need to borrow? Please give us an amount so we can customize the bond issuance. If all goes well, we can start next year."

"Row!"

After a quick calculation, Tianqing Mountain Lord said, "I am currently a 6-year-old mountain lord. My plan is to use 100 million units of divinely bestowed primal force food during the 6-year-old stage. Then, for the 7th, 8th, and 9th years, I will use 150 million units of divinely bestowed primal force food for each of the three stages."

"A total of 550 million is needed."

"Resources for the 6-year-old age group are available anytime, this year, next year, or the year after."

"After the 7th year of evolution, there will be a 3-year interval. I need 150 million to evolve to the 8th year."

"After evolving to the 8th age, I will borrow another 150 million after a 3-year interval to evolve to the 9th age."

"Similarly, after the 9th year of evolution, with a 3-year interval, I borrowed 150 million to break through to the evolutionary lord level."

"After reaching the Lord level, my Wild Banana God-given Seed should be able to produce more than 25 Origin Stones per year. Should I pay it off in 22 years? Including interest, it might take 23 to 25 years."

"I'll repay part of the interest with Primogems. And part of the interest, I'll still repay with the Primogems-bestowed food..."

Lord Tianqing asked, "Yin, is this alright?"

"no problem!"

Yin felt a little guilty and said, "The amount is a bit large, so we can agree on this for now. Taro and I will ask around to see if any insects are willing to buy the bonds. In the nature pantheon, 'bonds' are a first, and I'm not sure if we can issue them."

"..."

"Okay, then I'll wait for your good news!"

Fearing that Yin might not put in the effort, Lord Tianqing suggested, "Currently, the bananas produced by the Divine Gift Seed of Wild Bananas are processed in cooperation with your Silk Sunflower Mountain, generating an annual income of 8800 raw stones, right? After reaching the Lord level, the income will skyrocket to between 2.8 and 3."

"I see!"

Yin, full of enthusiasm, said, "That's precisely why we came up with this method to help everyone grow and evolve quickly. It's because the cooperative processing of the Wild Banana God-given Seed yields such high profits that we approached you second."

Yin stood up and said, "Then we'll take our leave. Taro walks slowly, and traveling at night, we'll cover half the distance first, aiming to return to Sumu Peak by noon tomorrow. Then I'll start selling the bonds..."

(End of this chapter)