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

the next morning.

Jiangcheng County No.1 Middle School.

The last city-wide joint examination before the Spring Festival was held as scheduled.

The senior high school building was completely silent, except for the scratching sound of pens scratching against exam papers.

Chen Mo sat by the window, calmly writing down the last comprehensive question.

On the podium, the proctor would occasionally glance up at him.

There are forty minutes left in the exam.

Chen Mo had already closed the pen cap.

If Liu Jianguo hadn't repeatedly reminded him not to hand in his paper early and affect the other students' mindset, he would have left the exam room half an hour earlier.

Diagonally in front of her, Su Qingyan turned around as if she had sensed something. Seeing that Chen Mo had finished writing, she was stunned for a moment, then glared at him lightly, and lowered her head to speed up her verification.

Chen Mo found it somewhat amusing. Just a few days ago, he was sitting in front of three encrypted terminals, mobilizing hundreds of billions of dollars in nominal positions, competing with the trading departments of Merrill Lynch, Goldman Sachs, and Morgan Stanley for every bit of liquidity.

Now, however, they have to sit obediently in the senior high school exam hall and wait for the bell to ring to signal the end of the exam, all to consider the feelings of their classmates.

Two completely different lives intertwined so naturally in his life.

Finally, the bell rang.

"The exam is over. Stop answering questions."

The proctors began collecting the exam papers.

Chen Mo picked up his schoolbag and had just stepped out of the classroom when his personal cell phone in his pocket began to vibrate repeatedly.

The first phone call came from Merrill Lynch.

"Mr. Chen, Merrill Lynch's Global Compliance Committee has requested enhanced due diligence on the ultimate beneficial owners of Genesis Investments."

"Given the significant recent changes in your account's assets, please travel to Hong Kong in person to complete identity verification, source of funds verification, and risk declaration."

Less than five minutes after the call ended, Goldman Sachs Asia called back.

The content is almost identical.

Next was Morgan.

Three institutions.

On the same day, he was also asked to go to Hong Kong to undergo a review of the ultimate beneficiaries.

Chen Mo stood at the end of the teaching building corridor, his gaze gradually darkening.

He could understand the normal intensified due diligence. With billions of dollars in profits suddenly appearing and the ultimate beneficiary being an 18-year-old Chinese student, no international financial institution could remain unmoved.

However, it is unusual that the three institutions launched their attacks almost simultaneously.

In particular, all transactions have been reviewed and the vast majority of profits have been settled.

The sudden renewed investigation into the ultimate beneficiary is clearly not a decision that a typical compliance department could make.

Someone put three investment banks on one table at the same time.

Moreover, what the other party probably really wants to see is not the transaction records of Chuangsheng Investment.

It was himself.

"interesting."

However, Chuangsheng Investment has indeed taken too big a step.

Five billion US dollars is enough to allow him to skip the level of ordinary wealthy people and enter the field of vision of the world's top capital.

The old order would not allow a new player of unknown origin to quietly take away such a vast fortune.

They need to verify his identity and assess his background.

Figure out whether he's a dark horse that can be won over, or a wild beast that might break through the fence.

"Chen Mo."

Su Qingyan's voice came from behind.

Chen Mo put away his phone and turned around.

The girl was holding a few sheets of draft paper in her arms, looking at him with a puzzled expression.

Why do you suddenly look so serious?

"It's nothing," Chen Mo smiled. "I'm just a little tired after the exam."

Su Qingyan clearly didn't believe it.

However, she didn't ask any further questions, but simply handed him the warm carton of milk.

"Your dark circles have been really bad lately."

"Another one you bought on a whim?"

Su Qingyan's ears turned slightly red, and she gave him a gentle glare.

"Drink it or don't, it's up to you."

"drink."

Chen Mo took the milk.

The warmth from his palm slightly dispelled the coldness in his eyes.

Whoever is waiting for him in Hong Kong, he has to go. Before he has the ability to completely break free from the framework of capital, running away will only make the other party more certain that he has something to hide.

Now that we're already at the card table, there's no reason to back down.

……

afternoon.

Central, Hong Kong.

Lu Jingyi sat in Merrill Lynch's office, with three newly received internal notices in front of her.

Merrill Lynch, Goldman Sachs, Morgan Stanley.

The three organizations used almost identical wording.

Strengthen due diligence on ultimate beneficiaries, reconfirm the source of funds, and assess whether clients have undisclosed political connections, sovereign capital backgrounds, or insider information channels.

Lu Jingyi's expression gradually turned cold.

These reasons sound plausible.

But she knew better than anyone that a normal compliance review did not require three agencies to act simultaneously.

Moreover, Chuangsheng Investment has already submitted complete materials.

From the initial stock account to crude oil, rubles, and then Swiss francs, every sum of money has a clear path.

The trading instructions, research logic, timestamps, and communication records are all verifiable.

Now, upon re-examination, there is only one explanation.

Someone wants to see Chen Mo.

Or rather, some people want to weigh just how important this young man who suddenly appeared in the global capital market really is.

Without delay, Lu Jingyi dialed her father's private number.

When the call connected, she explained the situation concisely.

There was a moment of silence on the other end of the phone.

Where is Chen Mo now?

Jiangcheng County.

Has the account been frozen?

"Currently, only some fund transfers are restricted; transaction settlement has been confirmed. The three institutions have requested that he come to Hong Kong in person."

The man's voice was calm and steady: "Send me the compliance materials that Chuangsheng previously submitted."

Lu Jingyi was slightly taken aback.

Her father's reaction was more direct than she had imagined.

"Dad, are you going to get involved?"

"Four hundred million dollars is not a small amount."

The man calmly said, "Since the Lu family has accepted this favor, they cannot stand idly by when he encounters trouble."

Lu Jingyi felt a warmth in her heart.

The voice on the phone continued:

"I will have the legal counsel from my Hong Kong office contact you. I will also put pressure on Merrill Lynch's Asia Pacific management."

"We will not directly intervene with Goldman Sachs and Morgan Stanley, but we will require them to abide by the agreements they have already signed and not to renegotiate the deal under the guise of review."

"In addition, I will arrange for two security personnel to go there. Your and Chen Mo's recent itinerary in Hong Kong should no longer use the public reception procedure."

Lu Jingyi replied earnestly, "Understood."

"Jingyi".

The man paused for a moment, his tone becoming more serious.

"After the five billion dollars, there will be no shortage of people keeping an eye on Chen Mo."

"The Lu family can help him safeguard the domestic market and provide the necessary legal and commercial credit. But ultimately, he has to solve the problems in the international capital markets himself."

"You can help him, but you can't make decisions for him."

"I know."

"There's one more thing."

"Please speak."

"If there's a chance, invite him over for a meal."

Lu Jingyi's eyes flickered slightly.

These words may seem ordinary, but they carry significant weight. The father already regards Chen Mo as someone worthy of the Lu family's formal recognition.

Okay, I'll tell him.

……

That afternoon.

Chen Mo assembled three legal teams.

A Hong Kong financial litigation lawyer, a Cayman Islands trust lawyer, and an international law firm specializing in US securities regulatory matters.

During the video conference, Chen Mo issued a series of instructions.

"Reorganize all materials related to the establishment of Chuangsheng Investment."

"The ultimate beneficiary documents, tax residency status, offshore trust structure, bank statements, historical settlements, Swiss franc research reports, and all transaction instructions are all kept separately."

"Investment banks can conduct reviews in accordance with the law, but they must clearly define the boundaries of their reviews in advance."

"Accounts must not be restricted indefinitely, the identity of the ultimate beneficiary must not be disclosed to unrelated third parties, and the confirmed transaction price must not be renegotiated under the pretext of review."

The lead lawyer cautioned, "Mr. Chen, the opposing party may focus on questioning your age and whether you have the ability to independently control such a large amount of assets."

"Let them question it."

Chen Mo remained calm.

"My abilities don't need an ID card to prove them; the profits in my account have already proven them."

Three days later, Chen Mo flew to Hong Kong again.

This time, an inconspicuous black minivan took him directly to Central via the underground VIP passage.

Besides Lu Jingyi, there were also a lawyer and two security personnel arranged by the Lu family inside the car.

Lu Jingyi handed a list to Chen Mo.

"It won't just be three investment banks participating in the review tomorrow."

Chen Mo opened the file.

Merrill Lynch Global Compliance Committee, Goldman Sachs Asia Pacific Risk Management, and Morgan Stanley Global Clients Committee.

Hong Kong lawyers, Cayman Islands auditing firms.

At the end of the list, there are two people whose affiliation is not specified.

"who are they?"

"His identity has been kept secret." Lu Jingyi shook her head. "The three investment banks only said he was an independent observer."

Chen Mo closed the document.

"Then let's meet."

"There's one more thing," Lu Jingyi said. "My father asked me to tell you that the Lu family will ensure this review follows proper procedures. Confirmed transactions will not be repriced based on anyone's personal will."

Chen Mo looked at her.

"Please thank your uncle for me."

He also said that he would invite you to his home for dinner after the matter was over.

Chen Mo's eyes flickered slightly, then he smiled and said, "That would truly be my honor."

Lu Jingyi suddenly feigned seriousness: "Tell me! Did you already know about my background? Did you deliberately get close to me?!"

She couldn't help but laugh as soon as she finished speaking, even though she had volunteered to go and contact Chen Mo herself.

Chen Mo couldn't help but chuckle as he looked at her smiling face with her eyes crinkled.

"Jingyi, you're wronging me." He spread his hands, looking completely innocent. "If anyone should be deliberately getting close to someone, it should be you who deliberately got close to me."

"Who deliberately approached you?"

Lu Jingyi gave a soft hum, her beautiful eyes slightly upturned.

She was wearing a black fitted suit today, with her long hair loosely tied back.

After shedding the aloofness she deliberately maintained while working, her overly bright face gained a touch of girlish liveliness.

"At the time, I was just representing Merrill Lynch to receive important clients."

"With so many people in Merrill Lynch's national investment department, why did you volunteer to personally drive all the way to Jiangcheng County to pick me up?"

Chen Mo smiled and said, "President Lu's service to clients is indeed meticulous."

Lu Jingyi was speechless for a moment after being cornered by him.

She raised her hand, gently tucked a strand of hair behind her ear, and looked out the car window with feigned calmness.

Her earlobes, though faintly pink, completely revealed her slight unnaturalness.

"That's because your trading history is too outrageous," she explained. "Any investor would be curious if they saw it."

"Just out of curiosity?"

Chen Mo casually followed up with a question.

Lu Jingyi turned her head and met his smiling gaze.

The two were not far apart to begin with.

The van drove over a slightly undulating road, the body swaying gently, and Lu Jingyi's shoulder almost touched Chen Mo's arm.

She sat up straight instinctively, but her heart skipped a beat for no reason.

"It started with curiosity."

She did not evade the question, but readily admitted it.

"And now?"

"Now……"

Lu Jingyi deliberately dragged out her words, looking Chen Mo up and down a few times.

"Now I realize that besides being good at making money, there's nothing particularly remarkable about it."

Chen Mo nodded: "Indeed. We also helped Sister Jingyi earn several hundred million dollars in the process."

"you!"

Lu Jingyi reached out and gently patted his arm.

The force was very light; it was less like a reprimand and more like a gentle scolding with a touch of affection.

Chen Mo smiled and didn't tease her any further.

After a moment, his tone became more serious.

"However, I have indeed looked into your background."

Lu Jingyi paused slightly in her movements.

She looked at Chen Mo, her smile still on her face.

"When?"

"Before deciding on that rare earth mine."

Chen Mo deliberately pushed the timeline to after he hinted to Lu Jingyi to help him resolve the conflict in Jiangcheng County, so that he wouldn't seem too scheming.

"At the time, Genesis Investment controlled hundreds of millions of dollars, and the next step involved Goldman Sachs, Morgan Stanley, Merrill Lynch, and extreme foreign exchange trading."

"I can't possibly tie such a sum of money to someone whose identity is completely unknown."

"You investigated me?" Lu Jingyi raised an eyebrow slightly.

"I did the necessary research."

Chen Mo calmly replied, "I just made a brief inquiry."

Lu Jingyi was not angry.

Instead, the scrutiny in her eyes gradually turned into appreciation.

If Chen Mo accepts her request without any precautions simply because she is beautiful and shows kindness, she will doubt whether this man is truly qualified to control such a vast fortune.

Being cautious does not mean distrusting; it means being responsible to both parties.

"How much did you find?" she asked with great interest.

"Not many."

Chen Mo glanced at her: "Princeton graduate, Harvard Business School MBA, previously worked at Morgan Stanley's New York headquarters. After returning to China, he joined Merrill Lynch, and on the surface, he rose through the ranks quickly based on his abilities."

"On the surface?"

Lu Jingyi keenly grasped his wording.

"What's the reality?"

"Ability is the main reason," Chen Mo said with a smile. "Your family background just makes some people who originally wanted to trip you up think twice before they act."

Lu Jingyi was taken aback; this comment unexpectedly made her feel comfortable.

When many people learn about her family background, their first reaction is to attribute everything she has achieved to her family background.

It's as if her graduation from a prestigious university, her all-nighters on Wall Street to complete projects, and her beating competitors at the conference table are all insignificant.

Chen Mo did not deny the role of her family background, nor did she diminish her own abilities because of it.

"You know how to talk."

Lu Jingyi smiled slightly and leaned back in her seat, relaxing.

"My investment acumen is quite good."

"Hmm." Chen Mo nodded seriously, "You have a good eye; you chose me."

This statement has a clear double meaning.

Lu Jingyi's eyes flickered slightly.

Looking at Chen Mo's young and calm face, she suddenly didn't know how to respond.

A moment later, she looked away and gazed at the Hong Kong Island street scene rushing past the window.

"Be less narcissistic."

The carriage was quiet for a while.

Lu Jingyi suddenly asked softly, "Xiao Mo, now that you know my background, why didn't you ask before coming to Hong Kong how much help the Lu family will give you this time?"

Chen Mo leaned back in his chair and said calmly, "The first person I met was Lu Jingyi, not the Lu family. Besides, the fact that I dared to challenge Wall Street for a piece of the pie means I've already risked everything and am prepared to start all over again."

Lu Jingyi slowly turned her head, looking at the sharp and ambitious young man in front of her, and her heart couldn't help but flutter.

She suddenly realized that the person in front of her was probably the most talented and amazing person she had ever met in her life.

Perhaps I should be more proactive?