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

The Weiguang Building has a data center on three underground floors.

"Boss."

"It's all broken."

"The credit reporting interfaces of the four major banks—ICBC, ABC, BOC, and CCB—were all cut off three minutes ago."

Xie Yu's voice trembled.

"The reason is... system maintenance."

Nobody believes this nonsense.

With Singles' Day just over and traffic declining, are the four major banks simultaneously performing maintenance?

This is even more absurd than saying the sun rises in the west.

This is a declaration of war.

It was also a massacre.

The entire control center was deathly silent.

Dozens of top engineers stood frozen at their workstations, staring at the red error codes, their faces ashen.

For a fintech company, cutting off the credit scoring interface is tantamount to gouging out its eyes.

"Oh."

A soft laugh broke the suffocating silence.

Lin Che sat in the boss's chair, holding a can of iced cola in his hand.

The pull ring snapped open with a "click".

The bubbles hissed.

He tilted his head back and took a sip.

"They actually waited until after Singles' Day to take action."

Lin Che looked at the screen filled with red, his eyes showing no panic, but rather amusement.

"It seems these bank managers do have some sense of the big picture."

"We're afraid that if we take action during Singles' Day, we'll anger the higher-ups and affect domestic demand data."

Xie Yu suddenly turned his head, his eyes bloodshot.

"Boss! Now is not the time to praise them!"

"Without the central bank's credit data, we're blind! We have no idea who's a defaulter and who's a fraudster!"

"Lending money under these circumstances..."

Xie Yu took a deep breath, his voice trembling with fear.

"That's like throwing money into a fire!"

"As soon as the black market army smells the scent and comes over, 50 billion... can be plundered in less than three days!"

Lin Che didn't speak.

He put down the cola.

He pulled a black USB drive out of his pocket and threw it on the table.

slide.

It stopped after hitting the edge of the keyboard.

"Xie Yu".

Lin Che's voice was very soft, but to Xie Yu it sounded like he was proclaiming some unknown fate.

"What do you think credit investigation is?"

Xie Yu was stunned.

"Credit check? It's loan records, the overdue blacklist, it's..."

"wrong."

Lin Che interrupted him.

He stood up, walked to the huge screen, and turned his back to everyone.

The red light reflected off his white shirt, like blood.

"Those were foot-binding cloths from the old days."

Lin Che turned around and pointed to his head.

"Just because someone didn't owe any money in the past doesn't mean they won't run away tomorrow."

"Just because someone owed money in the past doesn't mean they can't pay it back now."

"Using the past to define the future is the logic of those old fogies in the banking industry."

"It's not mine."

He walked to the control panel and tapped a few times on the keyboard with his long, slender fingers.

The screen image changes instantly.

The glaring red had disappeared.

Instead, there was a complex, dark blue model.

"This is……"

Xie Yu's eyes widened. As the CTO, he had no idea this thing existed.

"These are the real 'eyes' I've prepared for the glimmer of light."

The deep blue light was reflected in Lin Che's pupils.

"Banks check credit reports, bank statements, and property ownership certificates."

"What am I looking at?"

"I observe where he charges his phone, whether he orders takeout late at night, his typing speed, and the battery consumption curve of his phone."

"I see him as if he's 'alive'."

The entire audience erupted in uproar.

The engineers looked at each other in bewilderment.

Is lending based on electricity consumption curves?

Is this insane?

"Boss..." Xie Yu felt his brain wasn't working properly, "Is...is there any scientific basis for this?"

"This is called behavioral finance."

Lin Che didn't want to explain too much.

That's common sense ten years from now, but in 2019, it's a miracle.

At this time.

The phone on the table vibrated.

Lin Che glanced at it.

It was an unfamiliar number.

But he knew who it was.

connected.

hands-free.

"Mr. Lin, how have you been?"

On the other end of the phone was a deep, resonant voice belonging to a middle-aged man.

"I'm Lao Zhao from ICBC."

The air in the control room froze instantly.

Xie Yu instinctively held his breath.

Bank President Zhao.

That guy who can shake the financial world with a stomp of his foot.

"President Zhao," Lin Che said calmly, "what brings you here?"

"It's nothing serious."

The voice on the other end was tinged with laughter, but that laughter was colder than a knife.

"Just letting you know that due to technical upgrades, our credit investigation interface may need maintenance for a period of time. As for how long... it's hard to say, maybe a month, maybe a year."

Threat.

A naked threat.

"Mr. Lin is a smart man."

Bank Manager Zhao lowered his voice.

"Not just anyone can make a living in finance."

"You've made enough money, but this territory... if you overreach, you'll get chopped off."

"If micro-light stage doesn't want to die before it's even born..."

"Come to my office next Monday, let's have some tea and talk about the investment."

See the picture poorly.

They not only want to block it, but also to absorb it.

Xie Yu clenched his fist, his nails digging into his flesh.

suffocated.

It's so frustrating.

But that's the reality.

Lin Che listened to the whole thing.

He smiled.

"President Zhao."

"I also want to inform you of something."

Lin Che looked at the model on the screen that was slowly starting up.

"I won't drink the tea."

"I'm afraid it will burn my mouth."

"Also, please pass on a message to the other bank managers for me."

Lin Che's voice suddenly turned cold.

"You think that cutting off credit checks will stop me from paying out money?"

"You think I can't get through just because you've blocked the road?"

"Open your eyes and watch."

"Look how I snatched all your best customers away, one by one."

"beep."

The phone hangs up.

Lin Che didn't give the other party any chance to refute.

The control room was deathly silent.

Xie Yu looked at Lin Che.

He thought the boss had gone mad.

He's completely gone mad.

To directly confront the Big Four banks? What's the difference between that and suicide?

"Boss, what do we do now?"

Xie Yu's voice trembled, "There's no interface, the app's registration channels are all blocked, users can't get in at all..."

"Modify the code."

Lin Che gave the order.

"Delete all credit check procedures."

"What?!" Xie Yu thought he had misheard. "What about risk control? Are we just going to leave it running naked?"

"Take over with Abyss."

Lin Che's eyes were filled with fervor.

"Initiate the 'Whitelist Program'."

"Initial funding: 500 billion."

"No credit check, no bank statements, no proof of employment required."

"As long as he has a cell phone, as long as he is a 'living person'."

"I'll lend it to you."

Xie Yu felt dizzy and disoriented.

500 million.

Naked lending.

This is no longer a business venture; this is throwing money away.

"besides."

Lin Che held up one finger.

"Since they say I'm crazy, then I'll show them what madness is."

"Turn the interest rate...to negative."

"Negative...negative?"

Xie Yu was completely dumbfounded.

The pen in the hand of the finance director next to him fell to the ground with a "clatter".

"Borrow money, send red envelopes."

Lin Che looked out the window.

It was early morning, and the first rays of sunlight pierced through the clouds, shining on the glass curtain wall of the Weiguang Building and refracting a dazzling light.

"New users who register and borrow 1000 yuan will receive a 50 yuan cash bonus."

"Instant payment."

"No matter who you are, no matter where you are."

"As long as you dare to order."

"I dare to deliver it."

"Boss!!!"

Xie Yu finally couldn't hold back and yelled, "We'll lose everything! Borrowing money and then losing money ourselves? Those bargain hunters will devour us whole!"

Borrow 1000 and get 50 free.

This means that the annualized interest rate is not only 0, but also negative.

This is a strategy of burning money to acquire users.

Moreover, it was burning money without any risk control measures.

"deficit?"

Lin Che turned around and looked at Xie Yu, his eyes revealing a chilling clarity.

"Xie Yu".

Do you know what's the most expensive thing on the internet?

"It's trust."

"The banks don't trust them, but I do."

"If the bank won't give them money, I will."

"When a person is in despair, someone hands him a thousand dollars and gives him fifty dollars to buy cigarettes."

Do you think he would betray the person who lent him the money?

Lin Che straightened his collar.

"Execute it."

"Push that pop-up window to every phone that has the Weiguang APP installed."

"I want all of China to know."

"The bank has abandoned you."

"But I didn't."

……

Five minutes later.

With trembling hands, Xie Yu typed the last line of code on the keyboard.

Press Enter.

[Push notification task has been created]

[Target users: 3.2 million]

[Sending...]

……

10:00am.

It's peak time for slacking off at work.

Beijing, China World Trade Center office building.

Inside the cubicle, a young white-collar worker is looking at his credit card bill with worry.

The rent is due.

I need to pay back my Huabei (Alipay's installment payment service).

My salary won't be paid for another ten days.

Suddenly, my phone vibrated.

It wasn't just him.

The entire office.

The entire floor.

The whole of Beijing.

Even the whole of China.

Countless mobile phones lit up at the same time.

It was an extremely simple pop-up window.

No fancy pictures.

Only one line of white text on a black background, like a devil's temptation:

[Weiguang Installment: No credit check required, no bank statement required, borrow 1000 and get 50 free, instant disbursement.]

[Tap once, and the money is yours.]

The white-collar worker was stunned.

Scam?

It's definitely a scam.

Where can you find a loan that comes with a free gift?

But he still, almost as if possessed, stretched out his finger.

I clicked it.

Facial recognition passed.

[Abyss Rating: A]

[Weiguang Payment received: 1050.00 yuan]

"bite."

A crisp text message notification tone.

The white-collar worker's eyes nearly popped out of their sockets when he looked at his bank card balance.

it is true.

We've actually arrived.

Holy crap!

He stood up abruptly, the chair screeching as it scraped against the floor.

"Weiguang has gone mad!"

"They're really giving away money! Hurry and grab it!"

That shout was like a drop of water falling into a pot of boiling oil.

The office erupted in excitement.

The subway was in an uproar.

The school was in an uproar.

……

The top floor of the Weiguang Building.

Lin Che stood in front of the floor-to-ceiling window, overlooking the city.

He could almost hear the screams and greedy gasps coming from the corners of the city.

on the screen.

The curve of the number of applicants is no longer climbing.

Instead, it is a straight line pointing upwards.

Straight into the sky.

[Real-time number of applicants: 1,200,000]

Loan amount: 12 billion

[Time taken: 10 minutes]

"bring it on."

Lin Che looked at the wildly fluctuating numbers, a cruel smile curving his lips.

he knows.

Behind this frenzy of traffic.

That unseen black hand—the most greedy black market army in all of China.

We're almost there.

"The bait has been laid."

Lin Che said softly.

"Now."

"Let's see who eats whom."