People in Conferred Gods: Rising from humble beginnings, I am the God of Wealth

"I presume you have already devised a specific plan? Why don't you tell us about it?"

Dao Ancestor Hongjun didn't think much of it and asked with a smile.

"Dao Ancestor, don't be anxious. This matter is quite simple." Yang Xuan smiled slightly. "As long as Heaven and Earth agree, the Great Dao of Commerce that I created will be able to complete the merit loan."

Yang Xuan's tone was calm, but when it reached the ears of Hongjun and the others, it caused a huge uproar.

Over the years, they have gained a relatively comprehensive understanding of Yang Xuan's business philosophy.

They all knew that Yang Xuan's supernatural powers—which involved advocating fair trade while actually seizing other people's magical treasures—were an application of the great principles of commerce.

This great path of commerce, just like the transactions in the Three Realms, involves mandatory transactions by fulfilling certain specific conditions.

They just didn't expect that Yang Xuan would be able to set the objects of the transaction as the Heavenly Dao and the Earthly Dao.

Although Yang Xuan said that the granting of merit loans required the approval of both Heaven and Earth,

But based on their understanding of Yang Xuan, if Yang Xuan himself wanted to borrow the merit loan, even if Heaven and Earth did not agree, they estimated that a unilateral fair transaction could still be carried out.

"This business philosophy is so domineering; is this the unique characteristic of a self-created path?"

The expressions of the various sages differed, but their thoughts were largely the same: they were astonished by the power of the business world.

Yang Xuan didn't elaborate on this point, but continued to explain the specific details of the Merit Loan. After all, this was a loan that all living beings in the prehistoric world applied for from the Heavenly Dao and the Earthly Dao, and it wouldn't work without specific rules and regulations.

The three most crucial issues are: eligibility and loan amount, repayment method, and interest rate.

Firstly, the eligibility and amount of the loan are determined by the borrower's moral character and karmic capacity.

The less karma one has and the higher one's spiritual cultivation, the more merit one can borrow.

When applying for a loan, you can emulate the two Western saints and make some great vows that benefit the primordial world, which can increase the loan amount accordingly.

Yang Xuan had already finalized the specific standards, and with a gentle wave of his sleeve, a jade book appeared before everyone.

This jade book is covered with dense text, all of which are regulations concerning loan eligibility and limits.

After reading it, the two Western Saints looked slightly strange and secretly rejoiced.

Fortunately, when they made their grand vow, Yang Xuan had not yet become a saint, and there was no such lending rule yet; otherwise, they might not have been able to borrow so much merit.

Even if you do manage to borrow it, you'll likely face more restrictions.

Before they could think further, Yang Xuan brought up the second point: how to repay the loan.

This is actually quite simple. Just like the two Western Saints, fulfilling the grand vows you have made and doing more things that are beneficial to the primordial world is enough to repay your debt.

In addition, the Chaos Gods and Demons and the God and Demon Realm are also a major method of repaying loans.

If the Primordial World wants to evolve into the Eternal True Realm, besides evolving on its own, it can also accelerate its evolution by plundering the origins of other worlds.

When Yang Xuan brought the Ancient Tree Great World to Mount Sumeru, he united the Twenty-Four Heavens, the Pure Land of Ultimate Bliss, and many other worlds on Mount Sumeru to create the myriad worlds.
One of the main reasons why they were able to gain so much merit was that they integrated the origin of the Ancient Tree World into the Primordial World, thus strengthening the origin of the Primordial World.

Similarly, the fall of the chaotic gods and demons could also strengthen the origin of the primordial world.

If we conduct an equivalent evaluation of the things in the broken world origin and the realm of gods and demons that can increase the primordial origin, including the lives of chaotic gods and demons, and create a list of merit values, we can achieve this.

So, as long as the lender brings these valuable items that can enhance the origin of the primordial world to the primordial world, offering them as sacrifices to the Heavenly Dao, or slaying gods and demons,

You will then receive the merits listed on the list, which can be used to repay the loan.

To prevent borrowers from slacking off, a repayment deadline and a minimum repayment amount need to be set.

You must make a minimum payment every so often, otherwise the loan amount will increase. If you are late too many times, you will be punished by heaven.

In this way, not only can the primordial origin be increased and the evolution of the primordial world be accelerated, but the borrowers will also feel pressure and work hard for the evolution of the primordial world.

After the introduction, Yang Xuan waved his sleeve again and took out a jade book that was also filled with writing.

The vast amount of content in this jade book covers the repayment rules for everyone from Great Luo Golden Immortals to Saints. It is extremely detailed and has almost no loopholes.

Even if it exists, there's a contingency plan at the end—

The right of interpretation belongs to Heaven, Earth, and Humanity, as well as to the master of the business world.

After reading it, the two Western Saints looked even stranger, with a hint of relief on their faces. They leaned slightly away from Yang Xuan.

"Luckily, we became saints first, otherwise we would have truly become henchmen of the Heavenly Dao..."

The other sages also looked rather unnatural.

Loaning merit to all living beings in the primordial world seems to be giving them an opportunity to go further, or even to attain the Primordial Dao.

However, once you take out a merit loan, you are completely bound to the primordial world, and it will take a huge amount of time and merit to repay the loan.

If you are late, you will have to repay even more merits. If you are late multiple times, you will be punished by heaven and eventually die.

If this continues, the benefits that Heaven and Earth can gain will surely far exceed the merits released.

It can increase the cultivation level of cultivators in the primordial world, increase the primordial origin, and make all living beings in the primordial world more active. It can be said to be a triple benefit!
Most importantly, even if the beings of the primordial world knew all this, they would still be willing to do so in order to gain merit, for the hope of attaining the Dao and becoming a sage.

Therefore, all living beings in the primordial world would be more concerned with how to borrow more merit.

As for how to repay the loan, we can wait until we have enough merit to repay it. If we can repay the loan, how can we not repay it?

Especially those powerful individuals like Styx and Zhen Yuanzi, who have the potential to become saints, would certainly spare no effort to accumulate more merit in order to seize that sliver of hope for sainthood.

“So cruel…”

All the sages had similar thoughts. Yang Xuan's actions could be said to have taken the belief of all living beings in the prehistoric world who wanted to attain sainthood to the extreme.

They squeezed every last drop of value from them.

Although this move was for the future of the prehistoric world, the saints still felt a chill down their spines, fearing that Yang Xuan might also lend them a loan.

Yang Xuan ignored the reactions of the crowd, waved his sleeve again, and took out the third jade book.

This jade book contains information about interest calculations and penalties for overdue payments.

Finally, Yang Xuan bowed to Houtu and Hongjun respectively, and said in a deep voice:

"These are the specific rules for the Merit Loan. If Your Majesty and the Dao Ancestor find them acceptable, please communicate with the Earthly Dao and the Heavenly Dao so that I may establish the Merit Loan!"

Houtu and Hongjun exchanged a glance, then looked at the sages below and asked:

"Does anyone have any objections?"

Tongtian and the others remained silent for a moment, then all shook their heads.

Yang Xuan's jade book was clearly prepared in advance. Given his personality, he must have carefully considered it and made sure there were no problems before taking it out today.

The sages examined it repeatedly, but indeed they could not find any flaws.

Even if it exists, the statement "All interpretation rights belong to the three realms of Heaven, Earth, and Man, as well as the master of the business world" can always fill in the gaps.

Seeing that no one had any objections, Hongjun and Houtu nodded in succession and said in a deep voice:
"Can!"

As their words fell, the Heavenly Dao and the Earthly Dao emerged in the Purple Cloud Palace, granting partial access to their authority. At that moment, Yang Xuan also mobilized the Great Dao of Shang, silently establishing a completely new rule—

Merit Loan!
"Is this the end?"

The saints were astonished. Although Hongjun and Houtu, the two representatives of the Heavenly Dao and the Earthly Dao, had given their approval, Yang Xuan's actions were also beneficial to the prehistoric world, and the Heavenly Dao and the Earthly Dao could not possibly oppose them.

However, the fact that Yang Xuan established the rules for the merit loan in an instant without making any move still greatly shocked them.

From this day forward, all beings in the primordial world who make a great vow can borrow merit from the Heavenly Dao and the Earthly Dao, gain corresponding merit, and become a glorious borrower.

Of course, all of this was done intentionally by Yang Xuan. If he wanted, the moment this rule was established, all living beings in the prehistoric world would know about it.

He chose to do it silently in order to maintain the order of the primordial world.

Once people learn about the merit loan, many beings will surely make grand vows to borrow money from the Heavenly Way and the Earthly Way, inevitably leading to some chaos.

Therefore, it would be best to find an opportunity to make the merit loan public again, so that all living beings in the primordial world can borrow merit loans in a more orderly and reasonable manner.

Yang Xuan established the Merit Loan program to enhance the combat power of the high-level forces in the Primordial World, not to cultivate deadbeats.

Coincidentally, since the sage needs to gather all the great beings of the primordial world to spread his teachings, he can take the opportunity to propose the merit loan after the sermon.

After Yang Xuan presented his idea, all the sages nodded and agreed with his proposal.

Afterwards, the saints departed one after another and returned to their respective temples.

clang!clang!clang!
Just then, three consecutive bell tolls resounded throughout the primordial world.

Those beings born in recent times, such as Nezha and Shen Gongbao, are puzzled by the sound of the bell and do not know its meaning.

However, many powerful beings who had experienced the Lich Wars were excited upon hearing this.

A moment later, someone on the Three Realms Network explained the meaning of the three bell tolls.

"The bells of Zixiao Palace?!"

Seeing the news spread instantly across the Three Realms Network, all the beings of the primordial world looked up at the sky with anticipation.

The next instant, an ancient Daoist voice resounded throughout the primordial world.

"I am the Dao Ancestor Hongjun. Today, I will expound the Dao of the Three Realms of Great Luo, Quasi-Saint, and Hunyuan in the Zixiao Palace. Those who are destined may come and listen!"

As the Dao Ancestor's words fell, suddenly purple qi came from the east, transforming into an ancient road leading to the Chaos Purple Cloud Palace.

In an instant, countless beings felt their hearts race. Whether they were Taiyi Golden Immortals, Daluo Golden Immortals, or even Quasi-Saints, they were all extremely excited.

When the Dao Ancestor preached last time and passed on the orthodox lineage of the primordial world, he established the positions of the Six Sages of the Heavenly Dao. What about this time? Will there be new Primordial Purple Qi, and will new sage positions be established?

No matter what, we can't miss this opportunity!

Without any hesitation, in the blink of an eye, the many powerful beings made their decision and flew towards that ancient road to heaven.

They still vividly remember their experience of preaching at Zixiao Palace last time.

If they had managed to secure a seat back then, they would now be among the Six Sages of Heaven.

This time, they already know the secrets of heaven, so how could they possibly fall behind?
For a moment, Kunpeng, Styx, and the others all exerted their full strength, not daring to relax in the slightest.

But just as the group of powerful beings were on edge and were flying away with all their might, a clear, cold voice echoed throughout the prehistoric world.

"I am Yang Xuan. Today, I will be giving a lecture at the Heavenly Court's Temple of Destiny on the paths of the Great Luo, Quasi-Saint, and Primordial Chaos realms. I will be speaking on the Great Dao of Commerce, the Great Dao of Destiny, the Great Dao of Cause and Effect, and the Great Dao of the Sun. All those who are destined are welcome to come and listen!"

After he finished speaking, a golden ancient road descended from the sky and led directly to the Heavenly Court's Temple of Fate.

At the same moment, three more Daoist voices resounded in the primordial sky:
"I am the Supreme Celestial Venerable of the Great Purity and Morality. Today, I will be expounding the Dao of the Three Realms of Great Luo, Quasi-Saint, and Primordial Chaos at Shouyang Mountain. The lecturer is... All those with affinity are welcome to come and listen!"

"I am the Primordial Heavenly Venerable of Jade Purity. Today, I will be expounding on the Dao of the Three Realms of Great Luo, Quasi-Saint, and Primordial Chaos in the Jade Void Palace of Chaos. The lecturer is... All those with affinity are welcome to come and listen!"

"I am the Supreme Pure Spiritual Treasure Heavenly Venerable. Today, I will be expounding on the Dao of the Three Realms of Great Luo, Quasi-Saint, and Primordial Chaos in the Chaos Biyou Palace. The lecturer is... All those with affinity are welcome to come and listen!"

As Sanqing finished speaking, three more ancient roads appeared out of thin air, extending into Sanqing's sacred site.

Following that, Houtu, Nuwa, and the two Western Saints also spoke, setting up four ancient roads that led directly to the four Saints' sacred sites.

The powerful cultivators who were vying to reach Zixiao Palace were all stunned and greatly alarmed when they saw the eight ancient paths that had just appeared.

"What's going on? Why are all the sages of the primordial world preaching together today?"

While the powerful beings of the primordial world were astonished, they also felt a vague unease.

There must be something fishy going on when things are out of the ordinary; even a three-year-old child in the primordial world knows this.

Today, Hongjun, Houtu, the Six Sages of Heavenly Dao, and Yang Xuan all opened their mountain gates at the same time to spread their teachings throughout the primordial world. No matter how you look at it, this is a highly unusual situation.

Especially Yuanshi Tianzun, this saint is known for being very concerned about his image and has extremely high requirements for his disciples.

Even though the Chan Sect lost many disciples during the Investiture of the Gods, it did not open its gates wide.

Now he suddenly wants to spread his teachings throughout the primordial world, which is completely different from his previous style.

This is so unusual that it makes one wonder if there's some hidden secret behind it.

Even a near-sage has no right to fathom the thoughts of a sage.

No matter how much the beings of the primordial world pondered, they could not come up with a reason.

Moreover, how could one possibly miss such an opportunity as for a sage to preach?

The beings of the primordial world quickly suppressed their unease, but looking at the nine ancient roads that stretched from the sky to the earth, they were at a loss again.

Even the three quasi-saints of the human race found it difficult to make a decision for the time being.

These nine ancient roads all lead to the sacred sites of sages, each with its own unique features, and each a genuine opportunity to attain the Dao.

It can be said that all roads lead to heaven, and now they have to choose one of them, which is really a difficult decision.

In the end, it was the Styx Daoist who made the first choice and flew towards the dark ancient road leading to the Nine Netherworlds.

Although Zixiao Palace is desirable, with his current cultivation level, he would definitely be among the fastest to enter it and secure a good position, perhaps even obtaining a wisp of Primordial Purple Qi.

But over the years he'd followed Yang Xuan, his temperament had become more composed. He knew that his path lay not in the heavens, but on the earth.

The teachings that Lady Houshi wants to impart are undoubtedly more suitable for him and will be of greater benefit to him!
At almost the same time, the three human emperors also made their choices.

The Earthly Emperor Shennong flew towards the Netherworld, the Heavenly Emperor Fuxi headed to Shouyang Mountain, and the Human Emperor chose Zixiao Palace.

The Buddha of the West, along with his disciples Manjushri, Samantabhadra, and others, went to the sacred site established by these two Western saints.

Of the three immortals, Qiongxiao and Yunxiao naturally chose to go to Biyou Palace.

After a brief hesitation, Bixiao flew towards the Temple of Fate. Zhao Gongming thought for a moment and followed her to the Temple of Fate. He felt that Yang Xuan's way was more suitable for him.

The other powerful beings of the primordial world also made their choices in an instant, entering different ancient paths to listen to the sage's teachings! (End of Chapter)