The richest man started taking advantage of loopholes after joining Alibaba.

In the early morning in Beijing, the smog dissipated, revealing a rare glimpse of a pale blue sky.

Li Wenbo sat at his workstation, his phone next to the keyboard.

Just three minutes ago, his phone vibrated.

It wasn't a WeChat message, but a text message notification.

[Weiguang Technology has transferred 199.00 yuan to your compensation account. Note: ofo deposit refund]

At that moment, Li Wenbo felt as if he had just woken up from a dream.

He stared at the number, rubbed his eyes, and after confirming it wasn't a scam text message, he let out a long sigh.

This is not just 199 yuan.

It's a sense of security that's been lost and then regained.

"It's refunded! It's really refunded!"

Suddenly, my colleague at the next workstation shouted, holding up his phone with a silly grin on his face, as if he had just escaped a disaster.

"Wei Guang is awesome! Lin Che is awesome!"

Scattered applause rang out in the office; it was the most genuine cheers from the overworked office workers.

Li Wenbo opened the Weiguang APP.

In the most prominent position on the homepage, there is an announcement with white text on a black background:

Announcement Regarding the Full Takeover of ofo's Deposit Refund and Credit System Upgrade

The announcement was short, without any official jargon, consisting of only three sentences:

Weiguang Technology has injected special funds to ensure that every user's deposit arrives within 24 hours.

Starting today, ofo has fully integrated with "Weiguang Credit Score".

Credit is the promise that Weiguang makes to the world.

Li Wenbo looked at the "Micro-light score: 680" and gently stroked the screen with his fingers.

He used to think that this score was just for show.

But now, he feels that number is more endearing than the balance in his bank account.

Because it represents a certain privilege, a kind of "get-out-of-jail-free card" in this cold business world.

He opened his WeChat Moments, wanting to post something.

In the end, only one screenshot was posted, along with a single sentence:

"From now on, we will only use Weiguang. This is what a conscientious company does."

This post on WeChat Moments garnered 50 likes in just ten minutes.

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Microlight Technology Headquarters, B2 Data Center.

On the huge screen, data streams cascaded down like a waterfall.

That's the "funds flowing back" for tens of millions of users across China.

"Boss, this is insane."

Shen Nan's voice trembled as he looked at the backend data.

"Of the 20 billion that was just withdrawn, half of the money did not go to bank cards, but remained in 'Weiguang Pocket Money'."

"What's even more interesting is..."

Shen Nan pointed to another chart.

"From last night until now, the number of new users who have linked their bank cards to Weiguang Payment has exceeded 500 million. In order to check their credit scores and to avoid deposits, people who originally only used WeChat and Alipay have all handed over their ID cards and bank cards to us."

Lin Che sat in a chair, twirling a fountain pen in his hand.

His expression was calm, as if all of this was expected.

"20 billion to buy 500 million high-net-worth users with linked bank cards, plus control of the entire travel industry."

Lin Che said calmly, "This deal is worthwhile."

In the internet industry, the cost of acquiring a valid user with a linked bank card has long exceeded 200 yuan.

Lin Che's "deposit refund" tactic, seemingly a charitable act, was actually a low-cost raid on the heart of Alibaba and Tencent's payment business.

"How's it going with the technical department?" Lin Che asked.

"It's done."

Technical Director Wang Jian brought up a new interface.

That's the latest launch page for ofo and Hello Bike.

The original yellow and blue startup screens have now all been replaced with a striking white logo:

[Powered by Glimmer Credit]

When a user clicks to scan the code to unlock the door, the system no longer prompts for a deposit to be recharged; instead, it directly scans the user's micro-score.

[Beep! Good credit, lock unlocked successfully.]

This crisp "beep" signaled the end of the deposit era.

"Starting today."

Lin Che stood up and walked to the huge data map.

On the map, countless dots of light are flashing, representing each transaction based on trust.

"We are no longer an e-commerce company."

"We are a credit-issuing bank."

Lin Che's finger traced across the map, showing Beijing, Shanghai, Guangzhou, and Shenzhen.

"From now on, it won't just be about riding a bike."

"Renting a room, staying in a hotel, borrowing a power bank, borrowing books from the library, and even going to the hospital for treatment."

"As long as there are transactions, there must be some glimmer of light."

"I want to make 'Micro-Light Points' a second ID card for Chinese people."

Shen Nan was filled with excitement.

He suddenly realized just how big a game Lin Che had played.

ofo is just an appetizer.

Lin Che aims to build a data-driven financial empire.

In this empire, those without even a glimmer of light will find it impossible to move an inch.