Throne of the North.

Chapter 642 Qualifications, Ryan's Vault

The most troublesome thing is that Baron Ryan is not within the jurisdiction of the Kingdom of Coran.

The power of the noble lords was hereditary and inherited, which made it impossible for Ryan to break into their circle.

It's impossible for a situation like that in the Kingdom of Andara to happen again.

The path of the Kingdom of Sera is also unrepeatable; Grand Duke Gaelan could not become King of Coran.

To seize power in the Kingdom of Kolan, a completely new path must be forged.

what else can we do?

On Rhinoceros Horn Mountain, Ryan pondered for a long time, but his target remained those nobles.

The war between the Kingdom of Coran's papacy and the nobility will cause many noble families to decline.

"I plan to establish a Lane Fund."

Considering that no one in the world would understand what he meant, Ryan changed his name.

"Ryan's Vault".

Butler Beard could only look on with a weeping expression at Lord Ryan's audacious idea.

"Sir, you... you're almost out of money."

Although Ryan's sources of wealth are now countless, the expenses in the north are too great.

The Great Wall, stretching across the snow-covered plains, was erected just like that; it wasn't just a figure of speech, every stone representing money.

And those roads connecting the mountains—this isn't some southern plain, but the foothills of the northern border.

In comparison, developing the swamp between Frozen Territory and Zero Crossing City into arable land would be the least expensive option.

The number of gold coins that Dean Rose mentioned for building the Great Wall was definitely not an exaggeration.

"Money, once you have a lot, is hard to lose, Beard. You underestimate your master."

Ryan smiled mysteriously. This world had no concept of financial warfare, so he could easily get something for nothing.

"If we don't have money, we'll borrow it. With my current strength and status, I can borrow quite a few gold coins."

"With these gold coins, we can then lend them to the nobles of the Kingdom of Kolan."

“They’re overjoyed when someone gives them money; after all, spending money is a given to maintain the family’s honor.”

“Beard, ever since the Mayes family gave me those five million gold coins, I haven’t had a headache just because of money.”

The next day, Ryan wrote a letter to the Danube province. Nobles would feel ashamed of borrowing money to make ends meet, but Ryan would not; he had none of the outdated beliefs of the nobles of this world.

Not only Earl Pascal, but Ryan also wrote to the vampire count to borrow money. Although the two were not completely familiar with each other, the fact that they had communicated meant they had established a relationship. Ryan didn't care about anything else and just lent the money.

Calais province was essential, as it was the most likely place to borrow money, and Ryan never hesitated to do so.

Ryan even wrote to the capital city, saying that His Majesty the Emperor was overjoyed and that he should borrow some money while the Emperor was in a good mood.

His Highness Volvo shouldn't be short of money right now, could you lend me some?

The responses from all sides to Ryan came quickly. Thanks to the current dangerous state of the empire, the nobles were not as concerned about the money in their hands as they used to be. It would certainly be unpleasant to have money in one's hands and then die.

It's better to turn it into a bargaining chip.

It went very smoothly, and none of the parties were stingy, especially His Majesty the Emperor of the Empire, who now holds a vast amount of money. The war reparations from the Papacy have made the already prosperous Empire even richer.

The baron of the North recently did something that pleased him greatly: His Majesty the Emperor was exceptionally merciful before the next round of conflict.

"I'm rich now."

Ryan's single sentence left everyone on Rhinoceros Horn Mountain speechless with astonishment.

“From today onwards, Ryan’s vault… will be under the management of Signi.”

"what?"

Avril was somewhat disappointed and surprised.

"She...she probably won't care, right?"

No one is at Rhinoceros Horn Mountain.

"No need to worry about it, as long as she knows how to collect it, that's fine. I can get back what I lend out with the help of Signi."

Looking at the entire Rhinoceros Horn Mountain, it seems no one is more suitable than Signi.

It just feels a bit like loan sharking.

That's definitely not the case. As a subsidiary of the Northern Bank, Lane Vault must be operating in the open.

For Ryan's Vault to enter the Kingdom of Coran is not a problem in the current situation; where political and military power cannot penetrate, economic power can.

Grand Duke Guérin gained more power, which also meant that his political leanings had prevailed.

The nobles might not be able to accept a complete surrender to the Flor Empire like the Kingdom of Andara, but they would be willing to establish trade relations with the empire.

After all, that baron from the North really did give them shiny gold coins.

“Our family has declined, but now we are rich, and our family will rise again.”

Many minor nobles were thrilled, as money was a necessity for them.

And so, the wealth that had just been transported from the Kingdom of Kolan to the Frozen Territory returned to the Kingdom of Kolan after going around in circles.

Unfortunately, although Ryan's letter had received a response, the lenders hadn't yet sent the money.

As long as the construction of the Wall in the North is not delayed, it will be fine.

……

"Not every nobleman can obtain the right to trade in Ryan's Treasury."

Ryan dispatched his steward to the Kingdom of Coran, marking the first step into the kingdom on Ryan's behalf.

The second step is to verify the qualifications of the Kingdom of Kolan.

Why is it necessary to verify qualifications?

One nobleman blushed, realizing that being qualified was not the real shame; it was not being qualified that was truly disgraceful.

"The money in Ryan's vault is what our Lord Ryan saved up over twenty years through frugality. Gentlemen, Ryan's vault doesn't have much money, and it's destined not to be able to help everyone."

“Our master said that priority should be given to helping nobles who are more capable of repaying their loans sooner. Once the loaned money returns to Ryan’s treasury, it can help the remaining nobles as soon as possible.”

"This is called borrowing first to encourage borrowing later, and repaying first to encourage repayment later."

"Furthermore, considering the impact of the war on the Kingdom of Coran, my master Ryan said that the money in Ryan's Treasury is not being lent out, but rather called financing... the fusion treasury."

“The money in Ryan’s Vault comes from Baron Ryan, but once the noble lords return the money they have received to Ryan’s Vault in their own names, their names will naturally be imprinted on the list of nobles in Ryan’s Vault.”

"At that time, the name of Ryan Vault can be Ryan Galan Vault, or a longer name."

Hearing it this way, it wasn't so humiliating anymore, and the nobles were more or less able to accept the proposal. Of course, there was an important reason: Grand Duke Guérin.

Grand Duke Gaelan was the first nobleman in the Ryan Treasury to obtain the qualification, even though he didn't need it at all. However, after the Grand Duke endorsed Baron Ryan of the Empire, he naturally gained the trust of the nobles of the Kingdom of Coran. Moreover, Ryan clearly stated in his letter to the Grand Duke that the money given to him did not need to be repaid.

Since it doesn't need to be repaid, no matter how it's explained, it can't be explained as a loan, and it won't affect the prestige of the Grand Duke's family in the slightest.

With the Grand Duke's support for the Ryan Treasury, coupled with his authority in the Kingdom of Coran during this period, the Ryan Treasury was fully established, and the King even ordered that it be granted a considerable piece of land in the royal city.

King Coran believed that once the nobles restored their territories and power, they would distance themselves from Grand Duke Gelan and become his loyal followers once again.

This is quite possible, as it was an exchange between the missionary Sven and the king.

When Ryan's treasury arrived, the nobles were not in a hurry. They wanted to maintain their composure, otherwise everyone would know that his family had fallen on hard times.

That wouldn't do, so for the first time, the royal city of Coran had a nightlife.

Previously, the Dawn Church held immense authority, and the nobles of the Kingdom of Coran lived devoutly without entertainment.

until now.

Of course, on the first night, the nobles were determined not to admit that they had come there to borrow money.

Once they arrive here, they'll argue with anyone who doesn't say that the nobles are only here to borrow money.

So what happened on the first night?

She danced lightly, dressed in revealing clothing, her deep, dark areas partially obscured. Crucially, she was a nun, a devout nun.

The scene of wine pools and meat forests was unprecedented for the nobles; they saw wine being squandered in such extravagance, and they were perfectly willing to lie down and suck the hot liquid between the mounds of naked women.

They were so overwhelmed by the sights that it took them a long time to catch their breath and realize, with everything becoming rather dull, why they had come all this way.

Everything was glittering and golden; this place was called Ryan's Vault.

How can I obtain the qualification?

The nobles asked Beard for his opinion, and the steward of the Frozen Territory suggested that the nobles put on their clothes first.

"The qualification to obtain Ryan's Vault is actually a points system."

"If you have enough points, you can get priority access to Ryan's Vault's help."

"For example, if your territory, Baron Dean, has extraordinary crops that the Northern Merchant Guild needs, then you can earn a certain number of points."

"It depends on the scale and cycle of the extraordinary crop being grown."

"What if we don't have it?"

The nobleman asked, "No noble territory in the Kingdom of Coran has any connection with the Northern Merchant Guild."

"That's alright, it's not the only way. If there are enough adventurers in your territory, you can also earn points. Usually, one adventurer who has entered the Northern Territory is worth one point."

"In addition, if anyone from your territory, Lord Dean, obtains the qualification for the Frozen Territory Alchemy Academy, it will also increase your points. Our lord values ​​alchemists highly; they are as noble as mages."

"Furthermore, in the Knights Duel Tournament, if a knight wins the title of Eight Knights, he will directly obtain the highest priority access to the Ryan Vault."

"The Ryan Vault currently belongs only to Lord Ryan. Of course, it may belong to you, Lord Dean, in the future. But until then, if you withdraw one gold coin from the Ryan Vault, you will need to return two gold coins."

"This is called the Joint Treasury."

"Two?"

The baron's eyes widened in disbelief; it was too high.

"Not high, not high at all."

"Once you obtain the qualifications, you can take away one thousand gold coins tonight. Yes, one thousand. They will be delivered to you immediately, and they will even help you safely return them to your territory. Any accidents that occur during the process will be borne by Ryan's Vault."

"But the two thousand gold coins you are to hand over to the United Treasury are not a one-time thing; they can be completed little by little over ten years."

"You can get a thousand gold coins in a day. With your wisdom, Baron Dean, can't you turn them into two thousand in ten years?"

"Even if it's not possible, I'm just saying even if it's not possible in ten years, what about twenty years? I think it's certain that no nobleman could not earn two thousand gold coins in such a long time."

"If that really happened, then I'm very sorry, Ryan's Vault made a mistake and the qualification was not distributed fairly."

"And then what?"

Baron Dean answered with some curiosity, and then he regretted it.

“Ryan’s Vault will use the most extreme means to take back those two thousand gold coins.”

"Including killing nobles."

His body shuddered, and as soon as he finished shuddering, Baron Dean went again, looking at the graceful nuns outside.

"Tomorrow, I'll come again tomorrow and give you an answer."

The next day, the Northern Warriors Guild appeared. This Northern Warriors Guild did not belong to Ryan, nor to Grand Duke Galan, but to the King of Coran.

Ryan never forgot this true king.

In the Northern Warriors Guild of the Kingdom of Coran, the King holds 60% of the shares, while Baron Ryan and Grand Duke Gaelan each hold 20%.

Of course, in reality, Ryan received far more than 20%.

According to the agreement, all the weapons of the Northern Warriors Guild are supplied by the Frozen Territory. This is to ensure the quality of the brand, but it is also a way for Ryan to monopolize and control the Northern Warriors Guilds outside.

Can the Northern Heroes Guild be considered legitimate without weapons forged by Master Brok?

The king gained significant leverage in the assessment of qualifications, which indirectly affected the power of the Grand Duke of Gelan once again.

Grand Duke Gaelan didn't come away empty-handed either; he took 20% for free, and together with Ryan's treasury, they could continue to generate a steady stream of income. This was another benefit he received after making the compromise.

The King, Grand Duke Gaelan, and Baron Ryan formed a community of shared interests at this table, giving Ryan the confidence that these two 'allies' would not easily betray him.

Meanwhile, the Dawn Cult was another means by which Ryan used to control the Kingdom of Coran.

With a combination of internal and external influences, and relying on the Ryan Treasury, Ryan firmly established himself on the land of the Kingdom of Coran.

His name is synonymous with power.

“From this day forward, I, Ryan, will be qualified to influence 99 percent of the policies of the Kingdom of Coran.”

"That's power, the art of maneuvering, the way to acquire power with gold coins."

"Have you learned it?"

Ryan looked at his student, Kermon Gerald, who was already so shocked by Ryan's description of the future of the Kingdom of Coran that he could not close his eyes.

"If you can understand these things, then you will never think of the third way to control the Kingdom of Kolan."

"I will change the lives of everyone in the Kingdom of Coran, whether they are nobles, commoners, or slaves."

“I will change them, and then they will never be able to go back.”

"The Kingdom of Coran, which can never be returned to, will have Ryan's name etched into their history."

"Once you turn it over, there won't be a chance to wipe it off."

(End of this chapter)