Returning to his senior year of high school, he went all in and made billions by buying at the botto

Nearly a month has passed since Chen Mo returned to Beijing from Singapore.

These days, the lights in Building 3 of Shengyinyuan are turned on every morning at seven o'clock.

The morning session consists of courses on device physics, memory structures, and integrated circuit design.

In the afternoon, I went to the laboratory and followed different research groups to learn about EDA processes, packaging reliability, and material testing.

In the evening, I would return to my study and review everything I had encountered that day.

The second phase of training arranged by Tsinghua University for Chen Mo no longer pursued a broad and comprehensive approach.

The professors in charge of the course did not lower their standards just because he was the chief designer of Dawn.

In a simulation of a new storage architecture, Chen Mo attempted to simultaneously address the issues of bandwidth, capacity, power consumption, and packaging.

After reading the report, the professor wrote only one sentence at the end.

"Projects are not wishing wells, and there is no perfect solution. Before you start writing, think carefully about what you are willing to give up."

That thin sheet of manuscript paper sat on Katsuin-in's desk for a whole week.

The advanced knowledge from 2035 gave Chen Mo an incredibly clear understanding of what the final outcome of computing power civilization would look like.

But this does not mean that the limits of materials physics, lithography, and packaging yield in 2016 can bridge the industrial gap of twenty years out of thin air.

Within a month, the two whiteboards, each several meters wide, in the study were filled with writing, wiped clean, and overturned dozens of times.

The technologies that were originally placed in the same area were reorganized.

High-bandwidth storage is extracted separately from the complete system.

In-memory computing is broken down into four layers: devices, arrays, control, and software.

The engineering nodes for silicon photonic interconnects have been postponed.

Several areas that currently lack sufficient material support have been moved back to the "currently must be shelved" category.

Chen Mo did not feel anxious about the reduction of routes.

In the uncharted territory of hard technology, the ability to accurately discern "which cliffs must never be stepped on" with the most rigorous physical intuition is itself the most precious strategic moat gained from this round of dedicated research.

……

At the same time, Singapore, the land of the South Seas.

Xing Chen Family Office's Singapore office has completed the first phase of its construction.

Menghe assembled an initial team of six people.

A cross-border tax consultant.

Two business personnel with experience in private banking and trust services.

A legal assistant.

The other two are responsible for administration, itinerary, and local resource coordination.

All sensitive client access, trust establishment, and fund transfers still require joint review by the Hong Kong headquarters and Xu Qing.

Menghe compiled Xingchen's resources in Southeast Asia, including banks, law firms, hospitals, insurance companies, and emergency security facilities, into a booklet, and labeled each service with its permissions, fees, and backup channels.

After confirming that the office was back in normal operation, Xu Qing returned to Beijing.

She resumed control of Chen Mo's schedule and family affairs in China, while retaining direct management of the Singapore office.

"How did Menghe perform?" Chen Mo asked.

"I haven't misread it yet."

Xu Qing placed the first month's report on the table.

"His abilities need further verification, but he is very reliable in his work."

"The team of six personally reviewed all the background checks, conflict of interest checks, and confidentiality agreements."

"Only 70% of his budget was used."

Chen Mo turned to the first page.

"Continue to observe."

"Three months from now, it will be up to you to decide whether to make him a permanent employee."

"clear."

……

May 7th, Financial Street.

Moyan Financial Investment Co., Ltd., Confidential Review Meeting Room.

At one side of the long table, Zhao Qiang sat in the main seat, flanked by two chief macro risk control experts poached from the former banking regulatory system and leading public funds, as well as the official compliance and legal team.

At the front of the long table, Su Qingyan, dressed in a simple and neat beige suit, with her black hair as smooth as silk, stood gracefully in front of the holographic projection screen.

Today is her final defense of the first phase of her internship.

She has been working at Moyan for nearly three months, starting with basic rotations during the winter break and then dedicating two half-days a week to research after the start of the semester.

Su Qingyan chose the topic "Supplementary Scheme for Credit Identification of Young People and Micro-business Operators in Counties".

"The credit granting logic of traditional commercial banks is essentially a pawnshop mentality—heavy collateral, checking social security records, and verifying corporate fixed income."

Su Qingyan's expression was resolute as she precisely traced the slender laser pointer across the multidimensional scatter plot:

"This model is extremely effective for white-collar workers in first- and second-tier cities, but it systematically excludes a large number of individual business owners in lower-tier markets, e-commerce entrepreneurs, high-frequency small-scale processing plants, and the new generation of young people with flexible employment."

Several sets of desensitized control samples appeared on the screen.

Some people have no salary, yet they have three consecutive years of store revenue.

Some people don't own any property, yet their supplier settlements and utility expenses are very stable.

There are also some young people who have just started working in the city, with low incomes, yet their consumption and repayment records have never stopped.

"I do not recommend blindly reducing the risk exposure of financial institutions in the name of financial inclusion."

"What Moyan aims to achieve is multi-dimensional, authentic business flow penetration."

"Using the actual delivery flow of goods in the upstream and downstream of the supply chain and the platform's high-frequency settlement fulfillment as core weights, we will assist in building a pre-profiling system."

"This model will never directly replace offline due diligence and final loan approval. Its sole mission is to prevent the system from hastily eliminating high-net-worth micro and small business clients with genuine cash flow generation capabilities and a strong willingness to fulfill their obligations on the grounds of lack of collateral, at the first layer of the funnel."

A full forty minutes of intense cross-examination.

Two seasoned and experienced approval officers launched several rounds of probing questions regarding endogenous selection bias in the sample, extreme value fraud avoidance, and penetrating defaults during a macroeconomic downturn.

Su Qingyan did not retreat even half a step.

She provided complete evidence for the questions she could answer.

The parts lacking data validation are clearly marked as hypotheses.

After the defense concluded, Zhao Qiang exchanged views with several senior executives in hushed tones for a few minutes, and finally, a genuine expression of approval appeared on his face.

"Phase 1 Industry Rotation Final Assessment - Unanimous Excellent (A+)"

Zhao Qiang signed his name on the evaluation form.

"The report has been forwarded to the preparatory team of Huake Bank."

"Three of these indicators will proceed to the next sandbox test."

"Test results do not guarantee adoption, but your research has the value of further validation."

Su Qingyan's tense shoulders finally relaxed, and her bright eyes lit up slightly: "Thank you, President Zhao, and thank you to all the mentors."

"Don't thank me yet."

Zhao Qiang glanced at the back of the conference room.

"The really hard-to-get judges are coming up later today."

Su Qingyan's delicate body trembled slightly, and she turned her head to look in the direction of the gaze.

In the back row of the conference room, Chen Mo calmly closed his notebook and stepped out of the shadows.

He didn't tell Su Qingyan in advance that he would be coming.

"When did you arrive?" Su Qingyan greeted her, her voice brimming with barely concealed excitement.

"When you first started talking."

"How was it?" Su Qingyan slightly raised her snow-white chin, her eyes sparkling and captivating. "President Chen, could you give me an objective assessment?"

"Better than I expected."

"Just better than expected?"

"The sample size is insufficient, and fraud detection has not been fully implemented."

Chen Mo looked at her gradually narrowing peach blossom eyes and added with a smile.

"However, without a doubt, this is the most insightful report I have heard in Financial Street recently."

Su Qingyan was finally satisfied.

Zhao Qiang asked a staff member to bring over his internship certificate and placed a new employee ID card on the table.

Su Qingyan picked up her employee ID card and discovered that its validity period did not end with the end of her internship.

"This is?"

"Long-term access pass for the industry research group".

Zhao Qiang said.

"Provided that you complete the course, you can continue to participate in open projects."

Su Qingyan held the employee badge tightly, which was still warm to the touch.

……

Evening, Shengyinyuan Building 3.

A gentle evening breeze blew through the courtyard. Su Qingyan placed her specially appointed employee badge neatly on the corner of her desk, then tied on an apron and cooked a steaming bowl of tomato and tender beef noodle soup for Chen Mo.

The two sat facing each other and finished their dinner in a quiet and cozy atmosphere.

Su Qingyan held the warm teacup in both hands, her gaze falling on the swaying shadows of the trees outside the window, and suddenly spoke softly:

"Chen Mo."

"Um?"

"You once said that you hoped I could help you manage Moyan in the future."

"Remember."

"What if I don't end up being as good as you imagine?"

Chen Mo put down his chopsticks.

He looked at Su Qingyan with a calm and gentle gaze, as if he could catch all her unease.

"Moyan is not just the Moyan of you or me alone; it is a financial instrument that carries trillions of credit and countless livelihoods."

Chen Mo slowly began, "You studied historical materialism at Tsinghua University, so you should know best how it discusses the relationship between heroic figures and the masses."

Su Qingyan was slightly taken aback, then raised her increasingly captivating peach blossom eyes and quietly looked at him.

"A truly established financial behemoth involves far too many and too profound causes and effects."

"Behind it are the livelihoods of tens of thousands of grassroots employees, and the trust and reliance of countless families. In the face of the torrent of the times, even the most brilliant leader is ultimately just a variable in the course of history."

Chen Mo's gaze gradually deepened: "Individual wisdom may determine the speed of a ship when it sets sail, or even adjust its course several times in a storm, but what truly drives the giant ship across economic cycles is always the underlying rules and systems, as well as the general trend of the times brought together by millions of people."

"The order that is silently created is supported by countless hands; it is never a one-person show."

"So, even if you feel you haven't reached a certain pre-set standard of perfection, so what?"

"As long as the underlying logic of this giant ship is correct and the course is not off, the system itself will propel it steadily forward. You don't need to shoulder all the pressure and panic alone, nor do you need to force yourself to play the role of an omnipotent savior."

Chen Mo reached out and placed his warm palm firmly on her slightly cool, slender hand.

The steady warmth from her palm gradually soothed the last trace of anxiety and pride in her heart.

I want you to come into my world.

"Instead of you having to become someone else just to pursue me."

Su Qingyan stared blankly at the young man in front of her.

For a moment, Su Qingyan felt as if time stood still, all the noise vanished, and all that remained in her eyes was the man who had always protected her.

Then.

She slowly got up, sat directly in Chen Mo's arms, wrapped her arms around his neck, tilted her chin up, and pressed her warm, slightly cool lips to his thin lips without saying a word.

The long kiss lingered, carrying the burning warmth of youth and vows.

After a long while, Su Qingyan, slightly out of breath, buried her burning cheeks in his neck, her fingertips tightly gripping his collar.

"You've already exhausted all the grand principles..."

The girl's warm breath brushed against his neck; her voice was extremely soft, yet every word was firm:

"In my world, you are my hero."

……

Late that night.

The lights were still on in the study of Kōin-in.

Chen Mo sat alone between two whiteboards.

Nearly a month's worth of course notes, Morning Light test reports, and industry materials were all laid out on the table.

One o'clock in the morning.

The first document is complete.

"High-bandwidth stacked storage engineering roadmap".

3:20 a.m.

Save the second copy of the document.

"In-Storage Computing Integration Pilot Verification Plan"

He marked the different target periods, equipment conditions, and security levels on the covers of the two documents.

After daybreak.

The two documents were placed in a special secure box.

Chen Mo left Shengyin Courtyard.

The convoy headed towards the northern part of Zhongguancun Science City.

This was the first complete technical roadmap meeting since Qingjia moved away from Tsinghua University, and he had been waiting for it for a long time.