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

00:30 AM.

Weiguang Building, data center.

"Kill all 50,000 accounts."

Xie Yu slumped in the chair, his back soaked with sweat.

He looked at the death IDs marked with "skull" on the screen and felt like he was dreaming.

Just half an hour ago, he thought the glimmer of light was going to collapse.

"Boss, what's the underlying principle?"

A senior algorithm engineer couldn't help but ask.

He pushed up his glasses and pointed to the lines of blocked code on the screen. "I see that their IP addresses are disguised perfectly, and they even simulated different models of mobile phone device codes. Logically speaking, these are 50,000 real mobile phones."

"In traditional risk control models, they are indeed perfect."

Lin Che was holding the half-finished can of cola in his hand.

He walked to the control panel and pulled up a list of banned accounts.

"But from the perspective of behavioral finance, they are full of flaws."

Lin Che pressed Enter.

A comparison image pops up on the screen.

The left side represents [black market accounts], and the right side represents [normal users].

"Check the battery level."

Lin Che pointed to the left.

"These 50,000 devices have maintained 100% battery power or shown a perfect linear decline over the past three hours."

"What does this mean?"

The engineers paused for a moment, then said, "Does that mean... it's always plugged in?"

"Exactly." Lin Che sneered, "Who would apply for a loan while their phone is plugged in and completely still? Especially 50,000 people doing it simultaneously?"

He then pointed to the picture on the right.

It was a jagged, irregular curve.

"This is a real person."

"A real person's battery level is unpredictable. It drops drastically when playing games, stabilizes when waiting, and generates heat during charging, causing voltage fluctuations."

"This 'chaos' is evidence of 'being alive'."

Lin Che's voice echoed in the empty hall.

"Machines can simulate data, simulate IP addresses, and even simulate geographical locations."

"But it can't simulate 'wear and tear'."

"It cannot simulate the slight tremors of human fingers caused by tension, the tilt angle of the gyroscope when lying in bed playing on the phone in the middle of the night, or the continuous tapping caused by the phone lagging."

He turned around and looked at the young engineers.

His eyes were sharp as knives.

"remember."

"Perfect data is the biggest lie."

"Humans are flawed; it is flaws that make them human."

Dead silence.

Then came the sound of gasps of shock.

While the black market was still researching how to forge ID cards and contact lists, Lin Che was already using biological characteristics and physical laws to define "humans".

"alright."

Lin Che glanced at the time.

"The trash has been cleared away."

"Now, it's time to let the real guests in."

……

01:00 AM.

Jiangcheng University, male dormitory 404.

Zhang Wei, a junior in college, was lying in bed, the light from his phone screen illuminating his oily face.

I just lost a game of "Honor of Kings" and I'm feeling frustrated.

"Damn it, I had to kneel again."

He cursed, switched out of the game, and prepared to browse his WeChat Moments before going to sleep.

Sudden.

A notification popped up.

[Weiguang Installment: Open tonight, borrow 1000 and get 50 free, no minimum spend, instant payment.]

"Give me money?"

Zhang Wei pursed his lips.

If it were in the past, he would have definitely scrolled past it.

There are too many scammers these days; they either ask you to pay a membership fee first or try to steal your information.

But that icon is "Glimmer".

The one who delivered the Double Eleven package to his dorm room yesterday.

"Want to give it a try?"

I can't sleep anyway.

Zhang Wei sat up and clicked on it.

register.

Mobile phone number verification.

Facial recognition.

The process was so simple that it made him a little nervous.

They didn't make him fill out those disgusting "parents' phone numbers" or "counselor's phone numbers," nor did they make him upload a photo of himself holding his ID card.

"That's it?"

Zhang Wei stared at the spinning circle on the screen.

He muttered to himself.

"I guess it's hopeless. I've already defaulted on my Alipay payments twice, so a reputable company like that would definitely reject me instantly..."

however.

On the unseen other side of the network.

The Abyss system is performing a millisecond-level "full-body scan" on him.

User ID: Zhang Wei

[Device fingerprint: iPhone X]

Current battery level: 14%

[Gyroscope data: violent shaking]

[List of Apps: Honor of Kings, Ele.me]

[Location: Jiangcheng University Dormitory Area]

[Judgment Result: Real Person - College Student - Active - Grade A (Excellent)]

drop.

A crisp notification sound.

Zhang Wei hadn't even had time to put his phone down yet.

A burst of golden fireworks exploded on the screen.

[Approved]

Credit Limit: 2000.00 Yuan

[Red Envelope: 50.00 Yuan]

The funds have been transferred to your Weiguang account.

"Holy crap?!"

Zhang Wei suddenly jumped up from the bed, his head hitting the upper bunk with a loud "thud".

"What happened? Was there an earthquake?"

The roommate on the top bunk was jolted awake and mumbled a curse in his sleep.

"Money! Really, money!"

Zhang Wei shoved his phone into the face of the person on the upper bunk, so excited he was incoherent.

"Look! I just clicked once! Two thousand yuan! It arrived instantly! And I even got a fifty-yuan red envelope!"

"Really?"

My roommate instantly woke up.

"A Glimmer? You mean that Glimmer who delivers express packages?"

"Yes! No credit check needed! They even refunded my money after I had a bad credit history with Alipay!"

"Damn! I'll give it a try!"

Two minutes later.

The lights of four cell phones lit up in dormitory room 404.

Five minutes later.

Exclamations came from the neighboring dormitory, 405.

Ten minutes later.

The entire male dormitory building of Jiangcheng University was like a pot of water that had been boiled, and it began to stir.

It's not just Jiangcheng University.

Tsinghua University, Peking University, Fudan University, Shanghai Jiao Tong University...

In the dead of night.

Countless young "night owls" and countless college students who resisted the urge to shop during this Singles' Day due to financial constraints have simultaneously discovered this new world.

They are considered "white accounts" by banks.

No real estate, no car ownership, no high cash flow.

But in Lin Che's eyes...

They are the highest quality assets.

Their youth means they have unlimited cash flow in the future.

Their naivety means extremely high costs for breach of contract.

They are "living people".

……

Weiguang Building.

The green curve on the screen began to climb wildly.

[Real-time number of applicants: 10,000...50,000...100,000...]

Loan amounts: 2 million...5 million...10 billion...

Bad debt warning: 0.01%

Xie Yu's hands trembled as he looked at the almost vertical growth curve.

"They've gone mad...they've all gone mad..."

"Boss, this rate of expansion is terrifying! Hundreds of people are registering every second!"

"Our funding level is dropping rapidly!"

"Should we limit the number of users?"

Lin Che shook his head.

He walked to the window.

The eastern sky was already turning a pale white.

The first ray of sunlight pierced through the clouds and shone on Hangzhou, the city that never sleeps.

"Traffic restriction?"

Why are there crowd control measures in place?

Lin Che turned around and looked at the green dots on the screen that represented young and vibrant lives.

"The bank doesn't want them."

"Because the bank is arrogant."

"The bank thinks only people who drive Maybachs downstairs in this building deserve to lend money."

But they forgot.

"Ten years ago, those who drove Maybachs were once poor students riding bicycles."

Lin Che pointed at the screen.

"Xie Yu, look carefully."

"This is not data."

"This is the future."

"I want to put all of China's middle class for the next ten years into my pocket before dawn."

Xie Yu watched Lin Che's retreating figure.

that moment.

He suddenly realized that the boss in front of him, who was even younger than him, was not just doing business.

In this rigid and cold-blooded financial world, he used technology as a scalpel to forcefully cut a hole.

For those who have been forgotten.

"Prepare to expand the server capacity."

Lin Che's voice interrupted Xie Yu's thoughts.

"How much?"

"Fill it up."

Lin Che finished the last sip of his cola.

Toss the empty can into the trash can precisely.

With a clang.

It was like the first death knell tolled for the old financial system.

"It's dawn."

Lin Che looked out the window at the city gradually awakening.

A playful smile curled at the corner of his lips.

"Wait until those old guys at the bank wake up."

"They will find out."

"Their users are missing an entire generation."