Naruto: I Borrow from the Future

Chapter 88 New System Function: I Loan Chakra in the Ninja World

"It's finally over!"

Feeling the removal of the physical restraints and the restoration of his chakra limit, Qingye couldn't help but let out a long sigh of relief.

The entire year's worth of Kaleidoscope Chakra loan has finally been paid off.

Since improving his bloodline talent and awakening the Mangekyou Sharingan through loans, Qingye only postponed repaying the loan for three days, spending the rest of the time relying on the one card of chakra from his Elite 6.

Check the system panel again.

It still consists of two main sections: "Permanent Loans" and "Temporary Loans".

Once you enter the temporary loan section, you can either borrow money yourself or lend money to others; there's not much change.

After opening the Permanent Loan interface, the new function that the system had previously prompted was indeed here.

It is indeed possible to provide permanent loans to other people!

After some exploration, Qingye roughly understood the lending function of this permanent loan.

Once a lending target is selected, and provided the target agrees to the loan, a permanent loan can be made to permanently enhance one's talent or teach ninjutsu.

However, permanent loans differ slightly from temporary loans in that they involve a few more lending practices.

"Loan intention, what is that?"

Qingye inquired with the system but received no reply.

Currently, all we know is that a permanent loan can only be issued if the borrowing intention reaches a certain threshold.

"It can't be the borrower's repayment ability and credit history, can it?" Qingye secretly guessed.

Probably not.

Once chakra loans are issued through the system, there's no way to renege on them.

At most, you can postpone loan repayments, but you still have to repay them eventually.

After some more searching, they finally found clues in two temporary loans that had been issued previously.

Open the loan interface of Yekura and Hozuki Akizuki, which displays various data.

This includes the two individuals' ability scores and their respective borrowing intentions.

Yekura, with a skill level of 9, ninjutsu level of 10, and seal level of 9, has average stats in taijutsu, making her a standard ninjutsu-type ninja.

Below this ability value is the borrowing intention, followed by a progress bar.

"75% borrowing intention?"

Qingye's brow twitched.

This loan intention requires a full amount to be granted a permanent loan, but what level is this 75%?

He then opened Hozuki Akizuki's loan panel. Hozuki Akizuki had less chakra than Pakura, and his spirit value was 8, but he was also a ninjutsu-type ninja.

"Hozuki Akizuki's willingness to borrow is only slightly over 30%?"

How come someone who has taken out a temporary loan is so much worse off than Yecang?

Qingye had some guesses in her mind, but she still needed to verify them.

Currently, the system panel only displays the ability data and loan intentions of these two individuals. To view the data of others, you must personally visit them offline.

Qingye immediately left home and went to the police department.

"Captain, what's the mission?"

Shisui looked at Aoya, who was on vacation, and asked curiously.

"It's nothing."

Qingye waved his hand.

He has already marked the water-stopping data through the system.

"Captain, something seems off about your expression?"

Shisui shrank back, sensing that Qingye's gaze was somewhat strange, as if he wanted to burn him to the ground.

He shouldn't have done anything wrong, right?

No, it's none of your business.

Qingye's gaze was already focused on the system panel.

The precision value of Zhishui is 8 —

Beast!

You're only eleven years old, and you already have so much chakra? Is that appropriate?

The other stats are just average; the stats for ninjutsu, taijutsu, and genjutsu are all fairly balanced, generally consistent with Shisui's strength characteristics.

"The willingness to borrow is less than 10% —"

Qingye then checked the stats of Uchiha Tetsuka and Uchiha Fuuji and found that both of them had a stat of Elite 6, and their willingness to lend was less than 20%.

"Does this mean that the more talented and capable someone is, the lower their willingness to borrow is?"

"Because they are already very talented and strong, they don't have much need to improve their strength through loans, so it makes sense."

"However, Yekura's capabilities are not bad either, and she has a 75% willingness to lend!"

"It should also be related to a person's experience and psychological state."

"Yakura probably really wants to gain power so she can take revenge on the Fourth Kazekage, which is why she's so keen on borrowing money."

"As for Hozuki Akizuki, he probably discovered that the Third Mizukage was being controlled, and then failed to assassinate Uchiha Madara, so he also had a loan intention of more than 30%."

"In other words, this willingness to borrow reflects a psychological factor determined by a combination of talent, ability, and personal experience?"

Having made a guess in his mind, Qingye prepared to find more people to verify it.

Once a person's value is marked through offline contact, it can be viewed directly on the system, and the relevant value will be automatically updated.

"It would be best if everyone checked and marked it!"

This includes people like Hiruzen Sarutobi, Danzo Shimura, Orochimaru, and Minato Namikaze; all of them should have their data recorded.

After thinking for a moment, Qingye decided not to rush off to meet Hiruzen Sarutobi and the others in person, but instead went to his office.

Close the door.

Eye Technique, the Constant Law of the Nation is activated!

Time stands still at this moment!

Golden threads spread out from beneath his feet!

The "Nation's Constant Standing" eye technique can foresee the future five minutes from now, depending on Qingye's choices.

This choice can be any possibility, even those that Qingye would almost never do in reality.

For example, he could have committed suicide by slitting his own throat, blown up Danzo's Root headquarters, assassinated Hiruzen Sarutobi, forcibly kissed Kakashi, or flirted with Kushina Uzumaki.

The future five minutes after making these choices can be foreseen.

"Five minutes, at full speed, is enough time for me to get to any part of Konoha."

Within the endless world lines beneath our feet, the future of almost every corner of Konoha and every person is within our foresight!

Qingye followed the golden threads one by one.

"Hiruzen Sarutobi, your Spirit stat is only 8 now? You've gotten weaker, old man!"

"More than 20% of them are willing to take out loans. It seems they are unwilling to grow old, but at the same time, they are somewhat giving up after stepping down as Hokage."

"Shimura Danzo, level 7, should be even higher if he receives Hashirama cells in the future."

"Over 40% of borrowers expressed interest—ha, they're old in years but young at heart!"

"Orochimaru, level 9, is this guy currently conducting experiments related to Hashirama cells? And he's also conducting human experiments, though it seems he's using prisoners of war from other villages that Root secretly hid away."

"The willingness to borrow is less than 20%. If we were to use the Kaleidoscope tool to assess their interest, it should increase significantly."

Where is Minato Namikaze?

"Oh, I almost forgot, I'm going to pay my respects to the daimyo."

"Kushina Uzumaki, Spirit 10, loan intention over 30% — could it be due to the Nine-Tails sealed within her?"

"Jiraiya, Spirit 10, less than 10% willingness to borrow. He's in his prime, so a low rate is normal—tsk, this guy went to peep into the women's bathhouse again!"

"Kakashi, Elite 8, less than 20% of his borrowing intentions are there. Kakashi, without the Sharingan to hold him back, really doesn't lack chakra."

"Hyuga Hiashi, 8th grade, less than 20% of people are willing to lend money."

"Hyuga Hizashi, Sei9, is a little higher than Hinata Hizashi!"

"But why is the lending intention only 40%? Have they already gotten used to the fate of splitting up? They really need the punishment of a caged bird!"

"Mei Terumi, I wonder when Kirigakure came to pay for her ransom—her spirit level is also 8, a standard ninjutsu-type ninja."

"Only 40% of borrowers expressed interest? Looks like they still need some training!"

'

Qingye looked at each of the key figures in Konoha Village one by one, and memorized their loan intention values.

The pupil technique was withdrawn, and time resumed its flow.

As a result, when Qingye checked the system panel, she found that the people she had just looked at had not been marked at all.

"—Is it because we've only encountered the markers in the foreseen future, but not in reality? It seems we'll need to find another opportunity to gradually make contact and mark them one by one."

After seeing so many people, Qingye roughly confirmed her guess.

This willingness to borrow is indeed the result of a person's overall psychological state.

If you want to lend money permanently to someone, you first need to find a way to maximize the borrower's willingness to borrow.

"System, what benefit do I get from lending money to others indefinitely?"

[Permanent Loan requires a special signing ceremony to disburse loans. The host can obtain the loan recipient's data through the signing ceremony and assimilate it into themselves.]

"Data?!" Qingye's pupils contracted. "Specifically, what aspects are included?"

Bloodline, physical energy, mental energy, learned ninjutsu, muscle strength, reflexes —

The system listed a long list of things.

It encompasses almost every aspect of a ninja's strength!

"They can even obtain and assimilate bloodline data?" Qingye clicked his tongue in amazement.

In that case, even without a brother's Mangekyou Sharingan to fuse with, simply lending out his bloodline and assimilating the bloodline of Senju or Uzumaki would probably be enough to solve the problem of blindness caused by the Mangekyou Sharingan.