Our eldest brother never hides good things from us.

After a moment of excitement, Chang Wen suddenly realized the flaw in this entry.

It's true that you can get red envelopes while the game is running, but even the lowest-level red envelope takes ten days to arrive, which is a bit slow.

However, just as the thought crossed his mind, there was a sudden knock on the door.

The newcomer wore a moon-white robe, with a piece of fine jade hanging from his waist. He had a gentle smile and walked with ease.

Han Xiao, son of the master of Qionghua Peak.

This person is often well-versed in literature.

Last time, Lin Yuan ate all the food from all the guests and had no money to pay for it, so he borrowed money from this person at a high interest rate.

As the son of the peak master, Han Xiao held a superior position and would surely rise rapidly in cultivation if he wanted to, but unfortunately, he was only interested in money.

In the entire Haoran Immortal Sect, if Han Xiao is second in terms of how to make money, then probably no one would dare to claim to be first.

"Senior Brother Chang, it really is you guys."

Han Xiao smiled and cupped his hands in greeting, his gaze sweeping over the table full of spiritual food before landing on Chang Wen's face. "I recognized him downstairs and thought I'd come up to say hello."

"So it's Junior Brother Han, please have a seat."

Chang Wen remained calm and asked the waiter to add a chair.

"Hehe, it's said throughout the sect that Senior Brother Chang is incredibly kind to his junior brothers and sisters. Now that I've seen him, I can confirm that his reputation is well-deserved."

Han Xiao smiled and sat down in the empty seat, facing Chang Wen directly.

"I think so too."

Lin Yuan stopped what he was doing, said something to Han Xiao, and then began to wolf down his food again.

"She was incredibly kind to her junior brothers and sisters, I think..."

Su Xiaoman looked at Chang Wen beside her and recalled the Rebirth Pill that Chang Wen had given her, feeling a deep sense of agreement.

To receive such a generous gift right after just meeting someone—you couldn't find a senior brother like that even with a lantern.

Xiaoman is so lucky, hehe.

"Oh, it's nothing but empty fame."

Chang Wen didn't take it to heart; he was just doing what the senior brother should do.

"Senior brother is too modest. Just the fact that you treated Junior Brother Lin Yuan to a meal shows that your reputation is well-deserved."

Han Xiao looked at Lin Yuan, who was wolfing down his food, and continued, "However, I heard from the waiter downstairs that you ordered quite a lot of dishes, so I can't help but feel a little worried."

"This food is indeed delicious, but it's also quite expensive. I know about Senior Brother Chang's monthly allowance. The sect's spirit stone distribution has been delayed these past few months. Senior Brother Chang, tell me honestly, will you be able to manage to make money after ordering so much food?"

Chang Wen remained silent, roughly understanding Han Xiao's purpose in coming.

This kid probably wants me to borrow money again...

However, this time is different from the last time. Isn't he worried about not having any resources to invest in?

While there are many returned items, they cannot be used in a nested investment scheme. To trigger another return, new resources must be acquired. Therefore, isn't Han Xiao the best choice?

He would borrow money from him to invest with his junior classmates, and then return the money to him after receiving a return.

It exploits a system vulnerability while allowing me to continuously invest in my junior colleagues! A win-win situation!

As for those exorbitant interest rates, Chang Wen might have hesitated a bit in the past, but now, they are nothing to worry about!

Seeing Chang Wen's silence, Han Xiao thought he had touched on his heart, and his tone became even more earnest, "Senior brother, please don't think I'm being nosy. Over the years, I've seen too many junior brothers and sisters in the sect borrow spirit stones from dubious sources because they were short of money. The interest compounded, and in the end, the hole kept getting bigger and bigger, and good seedlings of immortality were ruined. It really pains me to see that."

Chang Wen...

Are you sure you're not talking about yourself?

He had heard that of the disciples who had borrowed spirit stones from Han Xiao, eight out of ten were still paying off their debts. The remaining two either ran away or signed indentures to serve Han Xiao like a slave.

However, he is now in a comfortable position and naturally doesn't care about these details.

Han Xiao was also a smart man. He took out a stack of written documents from his sleeve, gently placed them on the table, and said unhurriedly:

"To prevent such behavior, I recently discussed it with some fellow disciples from Qionghua Peak and came up with a small business. It specifically provides fellow disciples with emergency spirit stones for cash flow. If you're interested, I can introduce it to you."

After speaking, he lowered his gaze slightly, waiting for Chang Wen to speak.

"Tell me about it. I'm planning to renovate my house in Haoran Peak, and I do need some funds."

Chang Wen casually came up with an excuse.

"it is good."

Han Xiao seemed to have anticipated that Chang Wen would speak, and immediately pushed over a jade slip with several lines of terms clearly engraved on it.

"The daily interest rate is 0.5%, with a 20-day cycle. It's okay if you can't repay on time; you can renew. I prioritize renewing for old clients. Senior Brother Chang, look at those lenders outside the sect; aren't they all charging over 1% daily interest? I'm doing this purely out of camaraderie with my fellow disciples. I'm not after money; I just want to prevent my fellow disciples from being scammed."

Daily interest rate of 0.5%!

Chang Wen's eyelids twitched. What a great way to prevent his fellow disciples from being deceived!

A daily interest rate of 0.5% may sound small, but when converted to an annual interest rate, it amounts to 180%!

This means that if you borrow 100, you'll have to pay back 280 after a year! What a huge trap!

Han Xiao's gaze was sincere. "Senior Brother Chang, I just glanced downstairs. Your meal today will cost about 500 low-grade spirit stones. How much is the monthly allowance for Haoran Peak? You still have several junior brothers and sisters to support, so it's normal to be short on money. Don't be embarrassed. How about taking 30 mid-grade spirit stones to be on the safe side?"

One mid-grade spirit stone is equal to one hundred low-grade spirit stones. Thirty mid-grade spirit stones are equivalent to three thousand low-grade spirit stones, which is not a small amount for any disciple.

"Senior brother, no—"

Lin Yuan finally realized what was happening and immediately stopped eating. If his eating caused his senior brother to take out a loan, he would rather go hungry.

"It's okay, I'll borrow it."

Chang Wen reached out to stop Lin Yuan and looked at Han Xiao.

A huge business opportunity delivered to his doorstep—why not take it? He loves loan sharking!

Lin Yuan was stunned.

A look of surprise flashed across Han Xiao's eyes.

He had thought he would have to use a lot of persuasion, and even try to reason with him, but he didn't expect Chang Wen to agree so readily.

"Senior Brother Chang is indeed a straightforward person."

Han Xiao's smile deepened as he took out a spirit contract pen from his sleeve. "Shall we sign the agreement? It'll be more reassuring for both of us to have it in black and white."

Chang Wen took the jade slip and glanced at it.

"Junior Brother Han, please wait a moment."

Chang Wen put down the jade slip.

Han Xiao's heart tightened, and he tentatively asked, "What is it? Are you worried about not being able to pay it back? It's alright, we're all family, we can talk things over."

That's not what I meant.

Chang Wen looked at Han Xiao and said calmly, "I just feel that thirty mid-grade spirit stones are not enough. Since we're going to borrow them, we might as well borrow more."

Han Xiao sat up straight instantly. "How much do you need, Senior Brother?"

"Renovating Haoran Peak is no small undertaking. How much do you have?"

He's borrowed money from loan sharks, so he must be borrowing as much as he can afford!

The private room fell silent instantly.

Han Xiao frowned, his expression turning serious. "Senior brother, you're not joking with me, are you?"

Chang Wen smiled and said, "Of course I'm not joking. It's all written down in black and white. You think I'd renege on my promise?"