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

Lobby on the first floor of Weiguang Building.

The usually bustling reception area is now deathly silent.

There were only a few tireless news televisions mounted on the wall, with the volume turned up very high.

harsh.

[Breaking News: Internet finance faces its darkest hour! Weiguang Technology accused of illegal fundraising!]

[Experts assert: Unsecured lending without credit checks, Weiguang Installment's bad debt rate may exceed 10%, making it a Ponzi scheme!]

A joint investigation team from the China Banking and Insurance Regulatory Commission has been dispatched to Weiguang Payment, which faces the risk of having its license revoked.

The scrolling red subtitles at the bottom of the screen resembled bleeding wounds.

"Ponzi scheme".

These four words, like a branding iron, are deeply etched into the hearts of every employee of Weiguang.

in the hall.

Dozens of uniformed investigators are sealing off the area.

White seals were crisscrossed and pasted on the turnstiles, the door of the finance office, and even the coffee machine that wasn't there.

The somber atmosphere was suffocating.

……

Top floor, Chairman's office.

This place has been temporarily requisitioned as an interrogation room.

The curtains were drawn tightly shut, with only a table lamp left on, casting a dim and oppressive light.

Lin Che sat in the chair opposite him.

They weren't handcuffed.

But their freedom was restricted.

Sitting opposite him was the legendary "Butcher," Zhang Zhengyi.

He held a thermos in his hand, slowly blowing on the tea leaves floating on top.

This slowness is a psychological tactic.

He's enduring it.

Ao Linche's psychological defenses.

"President Lin."

Zhang Zhengyi took a sip of tea, his voice deep and resonant, as if emanating from his chest.

"Do you know what people are saying about you now?"

Lin Che leaned back in his chair and even crossed his legs.

His expression was calm.

"Genius? Disruptor?"

"No."

Zhang Zhengyi puts down the teacup.

With a clang.

It was very loud.

"He's a madman. He's a liar. He's a sinner who treats national financial security like a joke."

He pulled a stack of documents from his briefcase and threw them in front of Lin Che.

Paper flew everywhere.

Those are Weiguang's loan disbursement records for the past three months.

"Look at these."

Zhang Zhengyi tapped his finger forcefully on the paper.

"Zhang Wei, a third-year college student, has no income and a credit line of 20,000 yuan."

"Li Qiang, a recent graduate, is unemployed, has no savings, and has a credit line of 15,000 yuan."

"Wang Fang, you don't even have a fixed address, and you dare to borrow eight thousand?"

Zhang Zhengyi raised his head, his eyes sharp as knives.

"Lin Che, this isn't inclusive finance."

"You're creating social problems."

"How will these children repay this debt? With their lives? Or are they just waiting for you to use new users' money to fill the holes left by old users?"

"These are the classic characteristics of a Ponzi scheme!"

The roar made the documents on the table tremble.

The two young investigators standing at the door taking notes paused, their pens pausing, and they subconsciously glanced at Lin Che.

They thought Lin Che would panic.

They can defend themselves.

They will beg for mercy.

But Lin Che did not.

He simply flicked off non-existent dust from his sleeves.

"Team Leader Zhang."

Lin Che spoke up.

The sound wasn't loud, but every word was as clear as if it were being struck on ice.

"What do you consider to be risk?"

Zhang Zhengyi frowned: "Bad debts are a risk! Systemic collapse is a risk!"

"wrong."

Lin Che stood up.

The two guards behind Zhang Zhengyi immediately put their hands on their waists.

Lin Che ignored him.

He walked to the drawn curtains and suddenly pulled them open with a "whoosh".

The blinding sunlight instantly flooded into the dim room.

Zhang Zhengyi subconsciously squinted his eyes.

"Look down below."

Lin Che pointed out the window.

That's the busiest street in Hangzhou, teeming with traffic.

"Team Leader Zhang, you've blocked my server and shut down my payment interface."

"Right now, in this very second."

"15 transactions failed across China."

"Some students who are waiting to buy down jackets this winter can't pay for them."

"Some fathers who urgently need to pay their children's tuition fees cannot withdraw the money."

Lin Che turned around, back to the light.

The shadow stretched long, enveloping Zhang Zhengyi.

"Because of your so-called 'risk prevention,' the lives of hundreds of millions of people have been paralyzed."

"That's what you call risk."

"The real risk is arrogance."

"You're sitting in your office, using your decades-old textbooks to judge a future you can't understand at all."

Dead silence.

Absolute silence.

Zhang Zhengyi's face instantly turned a deep liver color.

He has worked in supervision for so many years and has reviewed countless business owners who violated regulations.

They either have to cry and beg for mercy, or they have to offer money.

Never a single person.

They dared to point their fingers at him and call him arrogant.

"Good...very good."

Zhang Zhengyi was so angry that he laughed instead.

He stood up, releasing the overwhelming pressure that had always been associated with his superior position.

"You're being stubborn, aren't you?"

"Let's see how long you can stay hard!"

"Since you say your data is fine and your 'future' is bright."

Zhang Zhengyi slammed his hand on the table.

"Then take it out!"

"I want to see the actual bad debt rate data!"

"Don't show me those beautified PowerPoint presentations, I want to see the underlying logs of the Abyss system! I want to see the real records of every single overdue payment!"

He stared intently into Lin Che's eyes.

It was as if they wanted to see through the young man's soul.

"Lin Che, I'm giving you one last chance."

"If you don't hand over the real data, if I find out your bad debt rate exceeds 5%..."

Zhang Zhengyi's voice was as cold as ice shards.

"Tomorrow morning at eight o'clock."

"I will revoke Weiguang's payment license."

"And you are being arrested on charges of 'illegally absorbing public deposits'."

The air freezes.

The recorder at the door didn't dare to breathe.

This is the final ultimatum.

Either tell the truth or go to jail.

All eyes were on Lin Che.

Waiting for his breakdown.

Lin Che fell silent.

He stared at Zhang Zhengyi for a long time.

then.

He smiled.

That smile carried an incomprehensible mockery, and a hidden madness.

"Real data?"

Lin Che took a cigarette out of his pocket.

ignite.

I took a deep breath.

His expression became indistinct amidst the swirling smoke.

"Team Leader Zhang."

Are you sure you want to see it?

"I'm afraid that after you see this..."

Lin Che exhaled a smoke ring.

"It makes you question the meaning of life."

"Enough with the nonsense!" Zhang Zhengyi shouted. "Hand it over or not?"

Lin Che stubbed out his cigarette.

He took out his phone and dialed Xie Yu's internal number.

"Xie Yu".

"Decrypt Abyss's core database."

Yes, all of them.

"Since the investigation team wants to see the 'bad debt rate'."

Lin Che looked at Zhang Zhengyi's ashen face, his voice becoming extremely soft, yet extremely heavy.

"Then show it to them."

"Hearing tomorrow."

"I will smash this 'miracle' right in their faces."

hang up the phone.

Lin Che turned and walked towards the door.

He paused briefly as he passed Zhang Zhengyi.

"Team Leader Zhang, get a good night's sleep tonight."

"Because tomorrow has passed."

"You'll never be able to sleep again."