Dawn Spider

As the 7-year-old advanced warrior evolves, Jin decides to temporarily abandon the comprehensive physical enhancement.

The total amount of divinely bestowed resources is 18 Primogems.

The plan is to use 3 Divine Wisdom Cypress Seeds to enhance overall resistance; and to use 6 Primal Stones worth of Divine Power Food for overall lightning elemental power to solidify the foundation of lightning elemental power.

In addition, there are 4.5 units of Divine Force Food that specifically enhance the penetrating and burning abilities of lightning, thereby boosting the power of the only current attack ability, 'Fission Purple Lightning'.

The process of absorbing and digesting the primal energy of food is ten thousand times simpler than absorbing the primal energy of crystals, meditating, and transforming genetic energy.

It doesn't require much time or effort. Once you've accumulated 17 gold, you can wait for the one-year interval to expire and then break through.

Even during his vacation at Mount Sikui, he didn't idle around. He resumed his high-intensity training regimen, exercising his physical fitness every morning, practicing combat skills every afternoon, and interspersed with ability training.

He is fully committed to preparing for the challenge against the 18-year-old Yagura Haruzo.

……

In the afternoon,

At the summit of Silk Sunflower Mountain, Jin faced the golden sun hanging obliquely in the western sky. His internal space and lightning-based primal energies surged simultaneously, causing his figure to flash continuously in the air, with intense blue-purple tree-shaped lightning flashing.

The buzzing sound of the air being burned and broken down by a strong electric current reverberated incessantly.

After consuming elemental-type Force food, the enhancement effect can immediately reach 50-60%. After consuming more than 100,000 super high-grade lightning-type divine-given Force food, the power of the Fission Purple Lightning immediately increased significantly.

Jin exerted all his strength, and the tree-shaped lightning could cover a large area that was 100 meters long and 50 to 60 meters in diameter.

Mount Sikui has been cleared out into plantations, leaving no place for practicing abilities.

Jin could only stand on the mountaintop and unleash his power against the thin air.

"Master Sikui!"

"Boss Jin~"

"Master Sikui!"

"Boss Jin~"

"..."

A somewhat familiar mental force emanated from the distant jungle.

"gold!"

Sky Blue vibrating membranous wings soared through the air, accompanied by a rumbling sound, approaching the mountaintop, and he lowered his mental energy to shout:
“Boss Jin, big business! Lord Kehuai of the Shuijia tribe may need a loan.”

"Oh?"

Jin Xin's heart skipped a beat, and he stopped what he was doing, sending another questioning mental message.

Tian Lan explained in detail: "In the early years, Lord Ke Huai also participated in the operation at the Cyathea Mountain Ruins and obtained 5 boxes of super high-level alien civilization's left-behind primal force food, including a box of water-type divine primal force food. Thanks to this batch of high-quality resources, Lord Ke Huai quickly completed two age evolutions and successfully comprehended the ability, meeting the requirements for breaking through to become the Insect King."

"Lord Kehuai is currently an 8th-year-old lord and hopes to borrow a batch of resources to quickly break through and advance to Insect King. However, he feels that the 3% interest rate is too high and hopes that we can offer some discounts. Yin also thinks that since the total loan amount exceeds a certain limit, we can offer some discounts."

"Understood……"

Jin asked, "Hasn't Lord Kehuai been digging up ruins with the Eshu Insect King and the others? He must have made a fortune over the years, right?"

Tianlan said, "The excavation teams organized by the three Insect Kings did indeed unearth some ruins and had a good harvest. However, their teams consist of three Insect Kings and forty Insect warriors of varying ranks. After being distributed among the ranks, there isn't much left for each warrior."

"That's true."

Kim muttered, "To advance to the 8th stage so quickly is quite impressive."

Tianlan lowered his mental focus and said, "Boss Jin, Yin has a plan. He thinks that we can help other warriors break through to the Evolution King level through loans and establish our own 'Insect King Trading Circle'."

"We will offer preferential loan terms, conditionally. The condition is that after the Insect King, all Force food produced in the territory must be sold to us."

“Yin mentioned this to Lord Kehuai, and Lord Kehuai said he could agree.”

Yin has been shrewd since he was a child, and he has a knack for business!

"Well, I see."

Jin agreed, waved his claws in signal, and then his figure flashed down the mountain.

...

The Water Armor Tribe cunningly established their territory on a branch mountain range south of Sea Lemon Peak, enjoying the comprehensive protection of the Flame Spider Tribe and being spared the threat of the fog tide. They are one of the best-developed alien insect tribes on the Twin Islands of Saluo.

There are currently over twenty Water Armor Warriors, two Lords, and three Divine Seeds. It's said that in recent years, a new young warrior was born and assigned to settle in the southern part of Ivory Island.

The Shuijia tribe is gradually relocating to Ivory Island.

The Twin Islands of Saluo are dominated by the Flame Spider tribe. Ivory Island, with its vast land and sparse insects, is home to many tribes, making it more suitable for their survival and development.

Clearly, Lord Kehuai is eager to advance to Insect King, in order to provide strong protection for his clan to establish a firm foothold on Ivory Island.

...

Silver led the way, bringing Lord Ke Huai directly to the mountainside on the north side, to Jin's dwelling cave.

"Lord Ke Huai!"

"Jin! Are you practicing your abilities?"

"Yes."

"Where is Lord Sikui Mountain? Has he gone out hunting?"

"Yes. They went fishing on the east coast."

"For Flame Spider Warriors, fishing in the sea is a skill that tests their abilities. However, marine life contains richer nutrients, which is more conducive to the growth of the little spiders. No wonder your Silk Sunflower Mountain was able to produce two clever little warriors in such a short time..."

On Ivory Island, Lord Jin and Lord Kehuai had met many times and were quite familiar with each other.

After exchanging pleasantries and a few casual words, Lord Ke Huai skillfully changed the subject and asked:
"Jin, in the past few years, your team has unearthed quite a few relics and made a lot of progress, hasn't it?"

"Not bad. Made a small fortune."

"You've accumulated quite a few divinely bestowed resources? I've come to you to ask if you could lower the interest rate and lend me a batch of these resources."

"Approximately how much will it cost?" "It will cost between 1000 and 1200 million in total. Jin, as you know, I've been following Eshu and the Stone Insect King in excavating the ruins. Let's see if we can make any progress in the next few years."

"understand!"

"But this amount isn't particularly large..."

Jin looked at Yin and asked, "Yin, what are your plans?"

Yin said, "Fourth Brother, I think we can offer some discounts on the loan business for the Lord's breakthrough to the Insect King. My idea is to divide the interest rate into levels based on the amount."

"Loans under 500 million are classified as Level 3, with a standard annual interest rate of 3%."

“贷款额度500万至1000万为2级。这中间的500万部分，按照2%年化利率计算。”

"Similarly, loans of 1000 million or more are classified as Level 1. For amounts exceeding 1000 million, only an annualized interest rate of 1% will be charged."

"Loans exceeding 1000 million with preferential interest rates require a cooperation agreement with us. That is, after becoming the Insect King, all Force food produced in the territory, including ordinary Force food, must be sold to us."

"There's also the repayment issue. It needs to be repaid in order of increasing interest rate. To put it more simply, you should first repay the portion of the loan with the 1% interest rate, then the portion with the 2% interest rate, and finally the portion with the 3% interest rate."

"Um--"

"Yin, your suggestion is quite good, we can consider it."

Jin looked at Yin, but his attention was always on Lord Ke Huai.

Before they arrived, they had clearly communicated. Lord Ke Huai did not show any emotional fluctuation in response to Yin's statement, which meant that he approved of Yin's proposal.

Jin turned to Lord Kehuai and asked symbolically, "Lord Kehuai, what do you think of Yin's proposal? Do you have any opinions?"

Lord Ke Huai said, "No objection. Yin and I came here to ask for your opinion."

"Of course I have no objection. The bank is fully responsible for the loan business, and unless there is an obvious error, I will not interfere with the bank's decision."

Jin tactfully agreed to the loan cooperation and inquired, "Lord Ke Huai, were you an 8-year-old lord who evolved 5 years ago?"

"No. I evolved to the 8th instar 4 years ago..."

Lord Kehuai said, "I plan to evolve to the 9th age next year. Because the loan amount is quite large, I'm making an appointment with you a year in advance."

"At my level, the demand for Force-based foods is enormous, so the requirements for the types are not so strict."

"To evolve from 8-year-old to 9-year-old, I need a loan of 500 million. I also need God-given Force food of the combined physical and sensory types worth 100 million to 150 million. The specifics can be coordinated flexibly."

"In addition, we need 350 million to 400 million water-type divine-bestowed food. All types are acceptable, preferably at the lord level, but if the enhancement effect and quality are good enough, mountain lord level is also acceptable."

After Lord Kehuai finished speaking, he paused and continued, "After I evolve into a 9th-instar lord, I need to rest for 8 to 10 years, and then I will need to borrow another 500 to 700 million to break through to the Insect King level. As for the specific amount, it mainly depends on the harvest from the ruins."

"understand!"

Jin asked, "Lord Kehuai, you certainly don't need the divinely bestowed food produced on Ivory Island and the Twin Islands of Saluo, do you?"

"no need."

Lord Kehuai said, "I have already eaten my fill of the divine-given primal force food produced on Ivory Island and the Twin Islands of Saluo. As for the primal force food from the Southern Continent, I have been eating it in small portions, trying a little of all kinds, but only in moderation, and I can still eat more of it."

"Ok."

Jin said, "500 million is not a particularly huge amount. I will communicate with the Wood Spider King and the Worry-Free Spider King who are in charge of the transaction, and I will definitely help you raise the money next year."

Jin added, "The loan can be processed this year, and the interest will be calculated starting from January next year. Lord Kehuai, you can go to the shops and see if there is any Divine Force Food you need. You can buy and use a batch this year."

"Thanks!"

Lord Ke Huai agreed.

Without further ado, Jin extracted the spider silk and immediately began drafting a loan agreement.

Previously, loans were processed for high-level warriors and mountain lord-level warriors, with loan contracts available in two denominations: 6 (small amount) and 12 (large amount).

Repay the principal and interest according to the loan agreement, one loan at a time, in batches, repaying one loan at a time and canceling the loan agreement.

The Lord of the Locust Tree is about to break through to the Insect King level. Its Locust Tree Life Seed, a divine gift, should generate an annual income of 60 to 70 after breaking through to the King level.

Jin tailors loan contracts with two super-large denominations of 24 and 48 for them, supplemented by appropriate small loan contracts of 6 and 12.

The total amount was 500 million, and it was quickly woven together.

Lord Ke Huai followed the instructions and imprinted a mark of spiritual power.

Finally, Jin went to the cave of the Lord of Sikui Mountain and took out a letter of credit worth 500 million and gave it to him.

The first loan transaction to accelerate a lord's breakthrough to the Insect King has been completed.

Lord Ke Huai wasn't in a hurry to leave, and everyone started chatting.

"Jin, there's a rumor that your team made a fortune again last year?"

"A small fortune. It's just a Force Convergence Shield. If I entrust it to the Kashiwa Spider King to sell, it should fetch 1200 million."

You're really amazing!

"Lord Kehuai, how's your team? You must have unearthed at least one level 0 ruin last year, right? How was the haul? Can you give us a sneak peek?"

"There's nothing to hide. Our team had the Insect King leading the way, so our exploration speed was fast. Last year, we dug up three level 0 ruins. But unfortunately, the harvest wasn't good. We only got about 2200 raw crystals in total, and I got about sixty of them. The rest were just some worthless junk. I got some too, but they're hard to sell, and I couldn't get many raw stones."

"None of the three level 0 ruins yielded any particularly valuable treasures? My luck is indeed not very good."

"Yes. We've always had bad luck."

Lord Kehuai said:

"Jin, you're smart, help me analyze this. The Sumeru Insect King believes that there are no more relics on the Northern Twin Islands that can bring great wealth. What do you think?"

"It's hard to say, it's not certain..."

Lord Jin and Lord Kehuai were practically colleagues, and they talked about excavating ruins until nightfall, when Lord Sikui returned.

Lord Kehuai greeted Lord Sikui of Mount Sikui, explained the purpose of his visit in detail, and then took his leave. (End of Chapter)