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

Three months later.

Beijing, Financial Street.

The top-floor conference room of the headquarters building of one of China's four major banks.

"Snapped!"

A 50-page quarterly report was slammed onto the table.

The rosewood table made a muffled thud.

Everyone involuntarily shrank their necks.

The person who slammed the documents down was none other than Bank Manager Zhao, who had called Lin Che three months earlier.

At this moment, his usually well-maintained face turned a deep purplish-red.

The blood vessels in the temple throbbed.

"explain."

President Zhao pointed to the precipitous drop in the report, his voice sounding like he was chewing on glass.

"Can someone explain this to me?"

Why did our new credit card issuance plummet by 60% in the first quarter?

Dead silence.

No one dared to speak.

The general manager of the credit card department kept his head down, wishing he could bury his head in his crotch.

"Speak!" President Zhao roared.

"Okay... Bank Manager..."

The general manager stood up shakily, wiping the sweat from his forehead. "Actually...it's not just us. The neighboring China Construction Bank and Agricultural Bank have suffered even more than us, reportedly dropping by 70%..."

"I don't want to hear about comparing who's worse!"

Bank Manager Zhao grabbed the teacup, intending to smash it, but then restrained himself.

It slammed heavily on the table.

Water splashed out.

"I need to know why!"

"Aren't our rights good enough? Aren't we rich enough points? Or is our sales team just sitting around doing nothing?"

"No..."

The general manager swallowed hard and opened the PowerPoint presentation.

The projector lights up.

That was a shocking user profile loss chart.

The red area represents lost users.

Almost all of them are concentrated in the 18 to 25 age range.

"Bank manager, our high-end clients haven't changed, but the ones we've lost... are all young people."

The general manager pointed at the screen, his voice bitter.

"In the past three months, college students and young professionals who should have been applying for their first credit card seem to have suddenly disappeared from the world."

"They don't come to our branches, they don't answer our sales calls, and they've even uninstalled our app."

"Where did they go?" Bank Manager Zhao squinted.

The general manager did not speak.

He simply switched to a different slide without saying a word.

on the screen.

A deep blue icon appeared.

[Microlight Installment Plan]

[Quarterly new active users: 1.2 million]

Market share (under 25 years old): 92%

A collective gasp filled the conference room.

92%.

This is a monopolistic figure.

This means that nine out of every ten young people in China are using Weiguang.

"Lin Che..."

President Zhao stared intently at that name, his teeth grinding together.

"That madman."

"Didn't he have no credit scoring interface? Wasn't he running around naked? Why isn't he dead yet? Why haven't the bad debts bankrupted him?"

No one can answer that.

For the past three months, the entire banking industry has been waiting to see Weiguang make a fool of itself.

Waiting for that so-called "whitelist" to turn into a pile of messy accounts.

They're waiting for Lin Che to come crying and begging them to buy it.

but.

What they were met with was a disheartening growth curve on Weiguang's financial report.

"Bank manager."

The risk control director, who had been silent all along, suddenly spoke up.

His face was pale, as if he had just watched a horror movie.

"We sent an undercover agent to investigate."

"Lin Che... he's establishing a new set of rules."

"What rules?"

"He turned that 'behavioral points' into a kind of currency."

……

14:00 PM.

CBD, Starbucks.

President Zhao changed into casual clothes, put on sunglasses, and sat in the corner.

He didn't want to listen to the report anymore.

He wanted to see it for himself.

There was a long queue. They were all young white-collar workers from nearby office buildings.

"Hey, how many points of glimmer of light have you earned?"

The girl in front of me was scrolling through her phone while asking her companion a question.

"It just went up to 680." My companion looked smug. "Last night I snagged a deal on Weiguang, and the system judged me to be 'extremely fast and quick-witted,' giving me 5 extra points."

"Great! I only have 620."

The girl sighed, "To increase my score, I now make sure to get up early every day to check in, and I don't even dare to order junk food for takeout anymore. I heard that healthy eating can add 'self-discipline points'."

"That's right, higher scores mean more benefits."

My companion waved his phone. "Look, if you score 650 or above, you can skip the line at Starbucks and just pick it up."

talking.

The two walked to the counter.

I didn't take out my wallet.

No card was swiped.

I simply flashed the blue QR code at the scanner.

"drop."

"Dear Valued VIP A-level user, your coffee is now on credit."

President Zhao sat in the corner, and the latte in his hand suddenly became ice-cold.

He watched that scene unfold.

Looking at the matter-of-fact expressions on the faces of those young people.

fear.

An unprecedented fear crept up his spine like a snake.

This is not just about stealing business.

This is redefining "credit".

In the banking system, you need to own a house and a car to have credit.

But in Lin Che's system, your early bedtime and early rising, your good health, your fast typing speed, your good hygiene... all these become credit.

And this credit can be used like money.

"He's minting coins..."

Bank Manager Zhao muttered to himself, took off his sunglasses, revealing a pair of bloodshot eyes.

"He is bypassing the central bank and using this behavioral data to issue his own currency."

"Once this 'micro-score' becomes a consensus among young people..."

"Then what is a bank?"

"Are the RMB we hold still considered money in their eyes?"

He suddenly stood up.

The chair was knocked over.

Those around him stared in astonishment at the distraught old man.

President Zhao couldn't care less about any of that.

He stumbled out of the coffee shop, stood on the street, and looked at the towering, shimmering building not far away.

under the sun.

That building looked like a giant tombstone.

The tombstone burying the old financial order.

His hands were trembling.

He pulled out the encrypted phone from his pocket, a phone he only used in emergencies.

I dialed a red number.

That's the highest-level dedicated line for the China Banking and Insurance Regulatory Commission.

"Feed..."

Bank Manager Zhao's voice was hoarse, as if he had swallowed a handful of sand.

"Former boss."

"I am Lao Zhao."

A stern voice came from the other end of the phone: "What's wrong? Why are you in such a panic?"

Something's happened.

President Zhao looked at the building, his eyes revealing a ruthless determination to fight to the death.

"Microlight Technology... Lin Che."

"What he's doing isn't financial innovation."

"He's undermining the country."

"He is building an independent monetary system; he is creating systemic risk!"

"If you don't send an investigation team down soon..."

Bank President Zhao took a deep breath and uttered the most hurtful words:

"From now on, these young people will only know about the 'micro-light' (referring to a small, often overlooked, central bank) and will no longer know about the central bank."

……

The top floor of the Weiguang Building.

Lin Che stood in front of the floor-to-ceiling window, looking down at the masses of people below.

He couldn't see Bank Manager Zhao.

But he could almost sense the venomous gaze emanating from the old era.

"Boss."

Xie Yu walked in, holding a newly decrypted wiretapping report.

His expression was solemn.

"The fish has taken the bait."

"President Zhao just made a call to the regulators."

"The wording was very strong, and the accusations were very serious."

Lin Che did not turn around.

He was still looking out the window.

His young and indifferent face was reflected in the glass.

"They've finally gotten anxious."

Lin Che smiled.

There was not a trace of panic about being reported in that smile; instead, it revealed a calmness that had been waiting for a long time.

"They thought this was a complaint."

"actually."

"This is helping me send out invitations."

Lin Che turned around and straightened the collar of his suit.

"Get ready, Xie Yu."

"Compile all the most crucial and 'terrifying' data."

"Since the regulators are coming."

"Then let's show them something exciting."