The God of Wealth starts with doing whatever you want

Li Ting's proposal was sent to Xu Yun's email address on time the following morning.

The attachment contains a 42-page business plan, with a neat format, detailed data, and professional charts.

Xu Yun opened the document in the study of the villa in Repulse Bay, and raised an eyebrow after reading only the first five pages.

“This Li Ting is even more formidable than I imagined,” he said to Fu Baoying, who was sitting opposite him.

Fu Baoying was processing Yuntian Capital's daily documents when she heard this and looked up: "What do you mean?"

“Look here.”

Xu Yun turned the laptop towards her and said, "Chapter Three, Market Analysis."

She not only analyzed the current state of AI applications in Hong Kong's local financial market, but also extended her analysis to the Chinese financial circles in Southeast Asia.

They even considered the needs of Middle Eastern sovereign wealth funds.

Fu Baoying swiped the mouse, quickly browsing the document.

The core of the plan is to establish a joint venture called "Smart Harbor Technology" to focus on the application of AI in financial risk control, quantitative trading and robo-advisory.

The equity structure is cleverly designed: CapitaLand holds 40%, CloudSky Capital holds 35%, and the remaining 25% is reserved for future strategic investors.

But what really caught Xu Yun's attention was the technology roadmap in Chapter Five.

Li Ting not only proposed developing a dedicated AI chip based on the "Loongson matrix" architecture, but also detailed a product iteration path over the next three years.

The first year saw the launch of a credit risk control system targeting local Hong Kong banks.

The following year, it expanded into private banking in Singapore and Malaysia.

The third year of its foray into the Islamic financial system in the Middle East.

"What she wants to do is not an ordinary AI company."

Xu Yun leaned back in his chair, tapping his fingers lightly on the table, and said, "It's a fintech platform that spans multiple jurisdictions."

After reading the last page, Fu Baoying pondered for a moment.

"The risk is very high."

Financial regulation is the biggest obstacle, as regulations differ from country to country and region to region.

Moreover, cross-border data flows present significant privacy and security challenges.

"So she reserved 25% of the shares."

Xu Yun said, "I guess this 25% is reserved for those 'local bullies' who can solve regulatory problems."

He brought up Li Ting's profile page.

He holds a Master's degree in Financial Engineering from the University of Cambridge, and his thesis is titled "Game Theory Analysis of Fintech Regulation Across Jurisdictions".

After graduation, I worked at Goldman Sachs Hong Kong for two years, where I participated in three cross-border M&A projects.

"She didn't just do it on a whim."

Xu Yun closed the document and said, "This plan has been brewing for at least half a year, or even longer."

The Li family may have wanted to enter the fintech field for a long time, but they just lacked the right opportunity.

"So, is this the opportune moment for us?" Fu Baoying asked.

"To be more precise, the 'Loongson matrix' is the catalyst for this opportunity."

Xu Yun stood up, walked to the window, and said, "Li Ting saw our technological advantages and also the unique value of Hong Kong as a testing ground."

If it succeeds in Hong Kong, this model can be replicated in other Chinese financial circles.

"Are you planning to see her?" Fu Baoying asked.

"See."

Xu Yun turned around and said, "But not today. Let her wait three days."

"why?"

"First, I need time to verify the data in her plan. Second..."

Xu Yun smiled and said, "Zheng Weiwei's side will be in contact next week, and I need to deal with the port project first."

Third, and most importantly, we mustn't let the Li family think we're too eager.

Fu Baoying understood.

Business negotiations are like playing chess; rhythm is crucial.

Agreeing too quickly will make you seem cheap, while agreeing too slowly will cause you to miss an opportunity.

Three days is a perfect window of time, demonstrating both importance and initiative.

"Should I reply to her now, saying that you are reviewing the proposal and will give her a response in three days?"

"Do not."

Xu Yun shook his head: "Tell her that the plan is very valuable, but there are a few key issues that need to be discussed in person."

The time is set for... Thursday afternoon at 3 PM, at CloudSky Capital's Hong Kong office.

"Should we bring her to our home turf?"

"Correct."

Xu Yun walked back to her desk and said, "Besides, you need to be there. Some things are easier for women to say between each other."

Fu Baoying understood.

Li Ting's attitude towards her was subtle, showing both respect for her senior and a subtle sense of competition.

This subtle psychological phenomenon might be exploited in negotiations.

She picked up her phone to make arrangements, and Xu Yun added, "Also, check Li Ting's project records at Goldman Sachs, especially the cross-border mergers and acquisitions she participated in."

I need to know which cases she actually handled, not just what's described on her resume.

"clear."

After Fu Baoying left the study, Xu Yun reopened Li Ting's project proposal and turned to the appendix.

The list of potential clients for "Smart Harbour Technology" includes three major banks and two insurance companies in Hong Kong, as well as one financial institution each in Singapore and Dubai.

Each client's contact person, network of relationships, and potential obstacles to cooperation are listed.

Xu Yun's gaze lingered on a name.

Chen Qiming, Vice President, Standard Chartered Bank Hong Kong Branch.

According to my intelligence, this person was the risk control director of Standard Chartered Bank's Singapore branch three years ago.

He rose to prominence for successfully issuing a warning about a potential default on bonds belonging to the Malaysian government.

He was later transferred to Hong Kong, where he was primarily responsible for the digital financial transformation of the Asia-Pacific region.

The fact that Li Ting listed him as a potential client indicates that she had at least established initial contact with him.

Xu Yun picked up his phone and dialed Isabella's encrypted line.

"Help me investigate two people."

Once the call connected, he got straight to the point, saying, "First, I need all of Chen Qiming's public speeches and internal reports from the last three years, as well as... information about his private life, if available."

"And the second one?" Isabella's voice came through the quantum-encrypted channel, clear and calm.

"Li Ting, Li Zekai's daughter."

The focus is on her project record during her time at Goldman Sachs, especially the cross-border M&A cases she handled.

I need to know her actual role in each project, not just her title.

How deep does it need to be?

"Dig as deep as you can."

Xu Yun said, "But be careful not to alert them."

"Understood, I will give you a preliminary report within forty-eight hours."

After hanging up the phone, Xu Yun leaned back in her chair and closed her eyes.

Now that he has his own global intelligence organization, he no longer needs to exchange information with the system for everything.

Soon, three faces unconsciously appeared in Xu Yun's mind.

Li Ting's shrewdness and competence, Zheng Weiwei's pure focus, and Fu Baoying's composure and thoroughness.

Three women, three styles, each representing three different forces in Hong Kong.

Traditional elite families, tech upstarts, and centrists like Fu Baoying who rose to prominence through their own abilities.

What he needs to do is find a balance among these three forces and build an alliance that is both cooperative and checks and balances.

This is not an easy task.

What Li Ting wants is to leverage technology to inject new growth momentum into the Li family's traditional financial business through the "Loongson matrix".

What Zheng Weiwei wants is research freedom, an environment where she can focus on technology without being disturbed by family affairs.

Fu Baoying is one of us, so I won't think about her.

His thoughts were interrupted by the vibration of his phone.

It was a message sent to him by Zhong Yanyan.

"Data summary for the first week after the release of Loongson Matrix 2.0".

Total downloads have exceeded 300 million, with 62% coming from overseas.

The developer community has over 50 registered users; the number of open-source projects on GitHub has reached 1.2.

Negative public opinion accounted for 7.3%, mainly concentrated in US media.

After reading it, Xu Yun replied: "Continue monitoring, focusing on feedback from developers regarding actual usage."

Additionally, have the tech team prepare an optimization plan specifically for the financial sector; I'll be using it next week.

"Okay. Also, there's something new happening at Nvidia."

Zhong Yanyan sent me a link to a report from The Wall Street Journal.

The title is "Chinese AI chips accused of having security vulnerabilities; experts urge caution in their use."

Xu Yun clicked to quickly browse.

The article cites the views of several "anonymous cybersecurity experts" who claim that the open-source architecture of the "Loongson Matrix" may contain backdoors and could "unintentionally" collect user data.

The article also specifically mentioned that the U.S. Department of Commerce is considering adding Cloud Harbor Capital to the "Entity List" on the grounds that it "may threaten national security".

This is a typical tactic of information warfare.

Xu Yun sneered and replied to Zhong Yanyan, "Proceed according to the plan."

First, have our technical team write a detailed architecture security analysis report and publish it on arXiv.

Second, contact those 'anonymous experts' and investigate whether they have any vested interests with Nvidia.

Third, have Isabella prepare a list of actual security vulnerabilities found in Nvidia chips over the past five years.

"It's already being done."

Zhong Yanyan replied: "In addition, Liu Zhenwu sent a message from Washington that the hearing on the S.487 amendment has been brought forward and is scheduled for next Wednesday."

Who pushed for it?

Senator Crawford.

He convened a meeting with the three chairmen of the Military Committee and the Intelligence Committee to prepare for a joint hearing.

Xu Yun frowned.

The joint hearing signifies that this matter has risen to the level of national security, and is no longer a purely commercial or technical issue.

"What suggestions does Zhenwu have?"

"He suggested that we take the initiative."

Zhong Yanyan sent a voice message saying, "Instead of passively waiting to be added to the Entity List, it would be better to proactively apply to establish an independent technology review committee in the United States and invite third-party experts to conduct a comprehensive security assessment of the 'Loongson Matrix'."

This demonstrates both transparency and a claim to the moral high ground.

Xu Yun thought for a few seconds.

This suggestion is bold, but it could indeed disrupt the opponent's rhythm.

If Yungang Capital actively requests a review, and the US government refuses, then the "national security" argument will be untenable.

However, if accepted, the review process will take at least six months, during which time the "Loongson matrix" can continue to spread globally.

“Tell Zhenwu that I agree.”

Let him get started, and ideally, bring in relevant EU and Japanese agencies to establish a multilateral technology security assessment framework.

"clear."

After ending his conversation with Zhong Yanyan, Xu Yun walked to the window of the study.

In the distance, a giant cargo ship is slowly sailing away from Victoria Harbour, with the "COSCO" logo printed on its hull.

That is China's largest shipping company and the world's third-largest container shipping company.

He suddenly remembered the port intelligent monitoring project that Zheng Weiwei had mentioned.

If this project is successful, it will not only improve the operational efficiency of Hong Kong's port, but also serve as a model case that can be promoted to more than 50 ports of COSCO Shipping around the world.

That would be a market worth hundreds of billions.

All of this is predicated on the premise that Zheng Weiwei's algorithm can truly meet commercial requirements.

Xu Yun returned to his desk and opened the technical document that Zheng Weiwei had sent him.

This is a preliminary design proposal for a port container recognition algorithm, based on deep learning and computer vision.

The documentation was very professional, but Xu Yun noticed a detail: Zheng Weiwei devoted a lot of space to the data preprocessing section, but failed to adequately consider the actual deployment environment of the model. A port is not a laboratory.

There are sea breezes, salt spray, vibrations, temperature differences, and all sorts of unpredictable weather conditions.

No matter how good an algorithm is, it's just empty talk if it can't run stably in harsh environments.

He sent Zheng Weiwei an email, not pointing out the problem directly, but raising several questions.

Zheng Weiwei replied to the email in less than ten minutes.

"Mr. Xu's question hits the nail on the head. Regarding 1 and 2, we are already collecting more diverse datasets."

Regarding points 3 and 4, this is precisely what I wanted to discuss with your team – the optimization scheme of 'Loongson Matrix' in edge computing scenarios.

If it's convenient, I'd like to go to Shenzhen tomorrow to see your testing environment in person.

Xu Yun smiled.

This is the attitude a technologist should have: face problems head-on and act quickly.

He replied, "See you at the Shenzhen R&D center at 2 PM tomorrow. I'll have the team prepare the testing environment."

Just as the message was sent, the study door was gently pushed open.

Little Zhi poked half her head in, blinking her big eyes, and asked, "Daddy, are you working?"

"Just finished."

Xu Yun beckoned her in and asked, "What's wrong?"

"Mom said she's going to take me to buy a new dress."

Xiao Zhi ran over, lay on his lap, and said, "Daddy, can we go together?"

Xu Yun glanced at the time; it was 3:30 PM.

Fu Baoying said this morning that she was going to a meeting in Central, and should be back soon.

"Okay, we'll go when Mom comes back."

"yeah!"

Xiao Zhi clapped her hands happily, then remembered something and whispered, "Dad, can I ask you a question?"

"Ask away."

"Why do I have a father and a mother, but you don't live together?"

Xiao Zhi looked up, her eyes full of confusion, and said, "Wang Xiaopang said that Mom and Dad should live together."

Xu Yun's heart tightened.

This problem was bound to come sooner or later, but he didn't expect it to come so soon.

He picked up Xiaozhi, let her sit on his lap, and said earnestly, "Xiaozhi, there are many kinds of families in the world."

Some parents live together, while others do not.

But most importantly, your mom and dad both love you and will always be there for you.

"But……"

Xiao Zhi lowered her head, playing with her fingers, and said aggrievedly, "When the kindergarten held parent-teacher meetings, all the other children came with their parents."

Sometimes I'm the mother, sometimes I'm the nanny.

"..."

Xu Yun remained silent for a few seconds.

When is the next parent-teacher conference?

"Next Friday."

"Okay, then Dad will definitely go with you."

Xu Yun promised, "Together with Mom."

Xiao Zhi's eyes lit up instantly: "Really?"

"real."

Xu Yun patted her head, "Dad keeps his word."

"Pinky promise!" Xiao Zhi extended her little finger.

"Pinky promise".

Xiao Zhi hooked her two fingers together and smiled happily.

Children's world is so simple; a promise can brighten their whole day.

When Fu Baoying returned, Xu Yun was holding Xiao Zhi, and the two of them were leaning their heads together, watching videos of marine animals on a tablet.

"mom!"

Xiao Zhi jumped down, ran over and hugged Fu Baoying's leg, saying, "Dad said he and you will come with me to the next parent-teacher conference!"

Fu Baoying was taken aback and looked at Xu Yun.

Xu Yun nodded: "Next Friday, I've already put it on my schedule."

Fu Baoying's eyes reddened slightly, but she quickly regained her composure.

She squatted down and said to Xiaozhi, "Then you have to promise Mom that you will behave well in kindergarten this week."

"I promise!" Xiao Zhi raised her little hand and made a vow.

The three of them went shopping in Central.

Xiao Zhi held her parents' hands and walked in the middle, skipping and hopping.

At the children's clothing store, Xiaozhi tried on dress after dress, and finally chose a light blue dress with dolphins embroidered on the hem.

"Like the color of the ocean!" she exclaimed, spinning around in front of the mirror.

As Fu Baoying went to pay, Xu Yun stood at the shop entrance, watching the crowds coming and going on the street.

"What are you thinking about?" Fu Baoying walked over, carrying shopping bags in her hand.

"I'm thinking about how to play this game."

Xu Yun took the bag and said, "Li Ting is one step, Zheng Weiwei is another, and next week's Washington hearing is yet another. Each step must be taken correctly, but more importantly, we need to understand how these steps are interconnected."

Fu Baoying took his arm: "Which step do you think was the hardest?"

"It's not about which step, but how to make these steps work as a whole."

Xu Yun said, "Li Ting's AI finance, Zheng Weiwei's port intelligence, and our own 'Loongson matrix' are, on the surface, three independent projects, but if we can integrate them..."

"If we could use the port's data, through the computing power of the 'Loongson Matrix,' to train financial risk control models."

Then, the data from financial transactions is used to optimize port logistics...

That would mean more than three projects; it would mean a complete smart city ecosystem.

Fu Baoying immediately understood and said, "Then the amount of data and computing power required..."

“Hong Kong has the right conditions.”

Xu Yun said, "The place is small, the data is concentrated, and the infrastructure is well-developed. If we can make it a model in Hong Kong, we can replicate it in Singapore, Dubai, Shanghai..."

He didn't finish his sentence, but Fu Baoying already understood.

This is Xu Yun's true ambition.

Instead of becoming a technology supplier, we aim to define a new era of digital infrastructure standards.

"So your collaborations with Li Ting and Zheng Weiwei are all paving the way for this bigger goal?"

"Correct."

Xu Yun nodded and said, "Li Ting can access financial data, and Zheng Weiwei can access logistics data."

What we need to do is provide the 'digital skeleton' that connects all of this.

Xiao Zhi ran out after changing into her new dress, twirled in front of the two of them, and asked, "Does it look good?"

"It looks good," Xu Yun and Fu Baoying said in unison.

……

At 2:50 p.m. on Thursday, Li Ting arrived at Yuntian Capital's Hong Kong office ten minutes early.

She wore a dark blue business suit today, her hair was neatly pulled back, and her makeup was exquisite but not ostentatious.

When the secretary led her to the conference room, Fu Baoying was already inside.

“Miss Li is very punctual.” Fu Baoying stood up and shook hands.

"Of course."

Li Ting smiled and asked in return, "Mr. Xu hasn't arrived yet?"

"He's on an important call, he'll be here soon, shall we begin?"

"it is good."

The two sat down.

Li Ting took out a tablet computer and a printed plan from her briefcase, while Fu Baoying turned on the projector.

"I have a suggestion regarding the equity structure of 'Smart Harbor Technology'."

Fu Baoying got straight to the point, saying, "Yuntian Capital wants to increase its stake to 40%, CapitaLand to 35%, and leave the remaining 25% unchanged."

Li Ting frowned slightly: "President Fu, what is the reason for this adjustment?"

Two reasons.

Fu Baoying pulled up a chart and said, "First, technological contributions."

We provide the core architecture and algorithms of the 'Loongson Matrix', and this should be reflected in our equity stake.

Second, risk-taking.

If a project encounters regulatory hurdles, Yuntian Capital has more resources and experience to resolve them.

“But CapitaLand provided initial funding, customer resources, and a local network of relationships.”

Li Ting countered, "Moreover, a portion of the 25% reserved equity is intended for relevant personnel of the Hong Kong Monetary Authority."

If Yuntian Capital's stake is too high, it could affect this part of the negotiations.

"We can work together with the Hong Kong Monetary Authority."

Fu Baoying said, "In fact, I have already made a lunch appointment with the Chief Technology Officer of the Hong Kong Monetary Authority next week."

A hint of surprise flashed in Li Ting's eyes.

The Chief Technology Officer of the Hong Kong Monetary Authority is notoriously difficult to reach, so the fact that Fu Baoying was able to get an appointment suggests that Yuntian Capital's network of connections in Hong Kong is deeper than she imagined.

"It seems Mr. Fu has made many preparations." Li Ting's tone softened a bit.

"Cooperation requires sincerity."

Fu Baoying smiled and said, "However, the shareholding ratio can be discussed further."

The main reason I'm bringing this up today is to establish a principle: the technology provider should have sufficient say in the joint venture.

"I agree with this principle."

Li Ting nodded and said, "But the specific ratio may need to be decided by my father."

"of course."

At that moment, the conference room door opened, and Xu Yun walked in.

"Sorry, a call from Washington."

He gave a brief explanation, sat down opposite Li Ting, and asked, "Where were you two talking about?"

"Equity ratio".

Fu Baoying said, "Ms. Li agrees with the principle that the technology provider should have a say."

"very good."

Xu Yun looked at Li Ting and smiled, "Then, let's talk about the technical details."

Your proposal mentions that you will launch a credit risk control system in the first year.

Who are the specific target customers?

"Three local banks."

Li Ting pulled up another document and explained, "HSBC, Standard Chartered, Bank of China (Hong Kong)."

We have had initial contact with HSBC's technology department, and they have expressed interest.

What about Standard Chartered?

Xu Yun asked, "I noticed that you listed Vice President Chen Qiming."

Li Ting paused.

She clearly hadn't expected Xu Yun to notice this detail.

“Vice President Chen was my client when I was at Goldman Sachs.”

She stated truthfully, "I participated in a merger and acquisition project for Standard Chartered Singapore and have worked with them."

After returning to Hong Kong, we stayed in touch. He was very interested in the application of AI in risk control, but... he was rather cautious.

"Caution is necessary, but..."

Xu Yun said meaningfully, "I feel that Miss Li's sincerity is not quite enough." (End of this chapter)