Morax is dead, Liyue will fall into my hands.

Yes, that's where we first met.

Thinking of this, Gan Yu nodded gently and said, "Okay, definitely."

Li Ye: "Of course, definitely."

Chapter 1: Li Ye was so unlucky that he could only travel by horse-drawn carriage.

As the "People's Daily" unveiled the "mysterious business," Liyue Harbor was immediately thrown into an uproar.

Despite the many high-profile events that have recently taken place in Liyue Harbor, the launch of the new concept money exchange has still sparked widespread discussion.

Whether they are shareholders of the Chamber of Commerce, core members of the management team, idle rich kids, or ordinary people in the lower tiers of Lili, they all inevitably feel a deep sense of disappointment when they first see that the so-called "mysterious business" is actually a money exchange.

After all that hype, building up everyone's appetite, all you're trying to tell me is that you, Mr. Li, are going to open a money exchange?

That's it? That's it? That's it?

Putting aside whether it's good or bad for you, Mr. Li, to run a money exchange, what does it have to do with us ordinary folks? We don't have any opportunity to use money exchanges, so this is just playing with us like monkeys and dogs.

However, this feeling of disappointment came and went quickly.

Because after "Wanmin Money Shop" was exposed, the newspaper immediately reminded everyone in bold font that "Wanmin Money Shop" mainly focused on savings services.

Unlike the "Northern Bank", depositing money at "Wanmin Money Shop" not only does not require any handling fees, but also earns a considerable amount of interest.

A three percent annual interest rate!

Save 10,000 Mora for a year, and get 300 Mora for free;

Deposit 100,000 Mora for a year, and receive 3,000 Mora for free;

Save 100,000 Mora for 10 years, and you can earn 30,000 Mora for free without doing anything!

A series of simple yet striking numbers form the most impactful message.

Ordinary people yearn to get rich overnight, but they abhor risk even more.

If an investment has only a 99% chance of success, then what's the difference between rounding up and suicide?

This is not entirely due to excessive caution; to a large extent, it's because people can't afford to gamble.

Winning might mean getting a young model at a club, but losing could mean losing everything, or even ruining your family.

This is why the people of Liyue would rather earn less in exchange for stable employment without any risk.

This also explains why they are so fond of the "iron rice bowl" (guaranteed job).

Now Li Ye has launched "Wanmin Qianzhuang". As long as it doesn't go bankrupt, you can deposit money and then do nothing or take any risks, and automatically receive a fixed income.

It can be said that it almost perfectly met the expectations of the people of Liyue.

What happens if the money exchange goes bankrupt?

In the past, many banks in Liyue went bankrupt, and ultimately there were only two outcomes:

One type is that the person who runs the money exchange has Mora, and can successfully balance the accounts for all customers who deposit money in the money exchange;

One scenario is that the person running the money exchange didn't have Mora, so the Liyue Seven Stars took over the mess and used the Mora produced by the Golden House to help balance the accounts.

Anyone who runs a money exchange in Liyue knows that it's best to be able to balance the books yourself if you go bankrupt. Otherwise, once the Seven Stars of Liyue are acquired, you'll be liquidated at best, and your whole family will end up in jail at worst.

Therefore, unless there are extreme circumstances, the risks of running a money exchange will not be borne by the users.

Moreover, in the interview with Ningguang, Ningguang herself said that if "Wanmin Qianzhuang" went bankrupt due to poor management, she would be willing to invest in its acquisition, even if it was just for Li Ye.

This statement, in a sense, also served as an endorsement of "Wanmin Qianzhuang," dispelling the last remaining concerns of some Liyue citizens who were still hesitant.

If the people of Liyue are full of anticipation for the "People's Bank," then the merchants of Liyue are like hungry wolves that have smelled blood, and they are all in a state of excitement.

Compared to the ordinary people of Liyue, the wealthiest people are the merchants of Liyue.

The emergence of the new money exchange seems to announce that Liyue is about to enter an era where capital can continuously acquire vast wealth without having to do anything.

Although... it was like that before, at least back then you had to take on some risks, unlike now where you don't even have to take on any risks.

Other small and medium-sized chambers of commerce, or even shops, have a lot of spare money but do not intend to use it for venture capital. This money can only be kept at home or buried in the ground for safety.

The emergence of "Wanmin Money House" helped them solve a major concern.

The reason why everyone is still discussing this is mainly because of what Li Ye is trying to achieve by doing this.

If you don't make any money, but you have to pay out of your own pocket to hire employees and even pay interest to people who deposit money, wouldn't you lose a fortune?

......

On the flagship of the Southern Cross Fleet, the Death Star, the sailors gathered together.

"Hey, what do you think Mr. Li is up to? Not only does he not charge fees for deposits and withdrawals, but he's also making me lose money. What's he after?"

"Who knows? But Master Li invited our boss over early this morning, I don't know what they were discussing. To be honest, Master Li's actions are always baffling. If we all understood, we wouldn't need to continue being sailors."

"Master Li has been wanting to do charity lately and has raised a lot of money. I heard he's already looking for places to build schools and canteens. Do you think Master Li might be addicted to doing charity?"

Although Master Li's businesses in Liyue Harbor aren't small, if they keep losing money like this, they won't be able to sustain themselves sooner or later, right? Wan Ye, what exactly do you think Master Li is planning?

Sitting on the flagpole, Kaede Manba heard someone calling him from below. After thinking for a moment, he said, "I don't know, but he's been making money, and he's making more and more."

Since the incident with Inazuma, Kaedehara Manyo has stayed with the Southern Cross Fleet. Upon returning to Liyue, he heard about Li Ye's rise to power.

Although he couldn't understand how Li Ye did it, Maple Leaf keenly noticed that every step Li Ye took brought him massive profits.

More importantly, these profits are not being exploited, but are instead being used to support the lower-class people of Liyue Harbor.

Maple Leaf believed that Li Ye would not lose money this time either, and might even be able to bring him more profits through the money exchange.

Maple Leaf suddenly felt envious of Liyue. If Inazuma could also have a Li Ye, that would be wonderful.

Although Inazuma has now escaped the effects of war, the shadow of poverty still lingers.

In Li Ye's opinion, the people of Liyue were living in terrible conditions. They couldn't afford to go to school or see a doctor, and they wouldn't even buy their wives a new dress during the Lunar Festival. It was just too unfair!

Little did they know that this kind of life was already very fortunate for the people of Inazuma. They were able to eat their fill, stay warm, and were not affected by war. What more could they ask for?

Thinking about the growing gap between the lives of people in Liyue and Inazuma, Maple Leaf wondered if he should suggest that when he returned to Inazuma with Beidou next time, he should recommend that Thor send some smart people to Liyue to learn from Li Ye's experience and methods of both benefiting the people and making money.

In this way, the people of Inazuma can get rid of poverty as soon as possible.

However, Kaedehara Manyo could never have imagined the immeasurable impact his decision would have on Inazuma.

Chapter Two: Sister Beidou, aren't we brothers?

Inside the office of "Wanmin Money Shop," Li Ye was trying to drum up business for himself: "Sister Beidou, please don't mind. I was supposed to go there, but I was really too busy today."

Beidou has a straightforward personality and doesn't care about such formalities at all. She waved her hand and said, "Why say such useless things? Everyone knows that you, Lao Li, are extremely busy right now, especially during this period, you've probably worn your lips out from talking so much."

"Tell me, what brings you here? Is it related to the money exchange?"

Li Ye scratched his head and said with a silly smile, "Hey, Sister Beidou was right. Actually, I came here this time to discuss with Sister Beidou whether she would be willing to open an account at the bank for the crew of the Southern Cross Fleet."

The crew members get paid every month, right? Sister Beidou, you can deposit some money in the bank.

When it was time to pay wages, Sister Beidou would send someone in charge of the accounts to hand over the money to the bank staff, directly transferring a portion of the deposited funds to the crew members' accounts.

Upon hearing Li Ye's suggestion, Bei Dou raised an eyebrow and said, "What's the benefit of doing this? When the crew needs money, they'll have to come to your money exchange to withdraw it. Isn't that redundant?"

Li Ye waved his hand and denied Beidou's idea, saying, "Sister Beidou is completely wrong to think like that. Let's talk about the Southern Cross Fleet. How many of the crew members are married? How many are single young men?"

Every time Sister Beidou pays them their wages, these guys not only drink, eat, and find women, but they also like to gamble!

Nine out of ten gamblers lose, and in the end, they squander all their money in just three to five days. How many of them can actually save any money?

How can someone who develops such extravagant spending habits save money to get married? And even if they do get married, will they be able to make ends meet?

Besides, there's no problem running a ship when you're young, but what about when you get older?

With no savings, destitute, and struggling to make ends meet, suffering from arthritis and rheumatism left over from years of drifting at sea, does Sister Beidou want to see her former little brother living like this?

You can just deposit your money with a money exchange, and I'll keep it for you, plus interest.

If you really need to withdraw money, you can do so anytime. Don't you think that makes sense?

After hearing Li Ye's explanation, Bei Dou thought about it for a moment and immediately realized it made a lot of sense.

There are few entertainment options for the crew at sea, so once the ship docks, they often eat, drink, have fun, and find women, squandering their wages like crazy.

She had always wanted to persuade these crew members to save more money, because no one can stay on a ship forever.

It doesn't matter if I don't have savings now, since the ship provides food and drink. But when it comes to marriageable age, who would want to marry someone like that? They're clearly not the type to settle down and build a life together.

Seeing that Beidou was somewhat tempted, Li Ye quickly said, "Sister Beidou, if your crew members deposit money with me, they will not only receive 3% interest, but I will also give them an extra promise."

If they unfortunately die in an accident while at sea, in addition to the money they have deposited in the bank, which they can withdraw with interest, I will also provide an extra sum of money to subsidize their families.

"So, Sister Beidou, am I a good brother?"

Upon hearing this, Beidou couldn't help but mutter to himself, "He's a true brother, but I'm a little scared."

"Only you, Old Li, could have said that. If it were anyone else, I'd seriously suspect they were setting me up."

"What trap are you trying to set? Once a contract is signed in black and white in Liyue, do you think I'd go back on my word?"

As Li Ye spoke, he took out a contract and handed it to Bei Dou, saying, "Sister Bei Dou, take a look. As long as the crew member has deposited money with me for more than a year, after an accident, the compensation will be at least 50,000 Mora and at most 500,000 Mora, depending on the amount of money deposited."

The Southern Cross Fleet rarely had crew members encountering accidents, though such incidents did occur.

Usually, after an accident, Sister Beidou provides compensation, and I also provide compensation. Together, the two compensations are enough to help the families of the deceased crew members get by.

Beidou saw the contents of the contract, which were written very clearly.

As long as the crew of the Southern Cross Fleet open a bank account and deposit at least 10,000 Mora for a full year, the money exchange will provide a certain subsidy if they encounter an accident at sea.

Beidou is a bit confused. It's one thing to give interest on deposits, but why give compensation when someone has an accident at sea? Has this kind of charity gone mad?

"Old Li, what's wrong with you this time?"

Li Ye laughed: "I'm rich and willing, so what do you say? Sister Beidou, are you interested?"

Little did Beidou know that Li Ye had started his insurance business after the bank was established.

It's also said that insurance was provided free of charge to the crew of the Southern Cross Fleet, but it wasn't actually free.

Ordinary Liyue citizens come to the money shop to deposit money, and give rice, flour, oil, and clothes as gifts;

Since the crew didn't need these things, Li Ye simply gave them an insurance policy.

These are all just tactics used to attract customers to deposit money in money shops; they're simply different ways of addressing specific needs.

It also serves as a way to promote the insurance business.