Chapter 160: Star Sea Genius Rating, Innate Mining Holy Body!

Qin Shi logged into Entropy Sea Bank through an orange little dog, unlike the "Killed It" cracked version; its level seemed very high, usable only normally, unable to perform internal operations.

He made the most of the 【Electronic Engineering】 bestowed by the Divine Spirit Pillar to fabricate a fake account name, avoiding being traced by others.

"The background of this Entropy Sea Bank is absolutely not ordinary."

Qin Shi carefully scanned his personal information and the various services provided, and couldn't help but click his tongue inwardly.

The other party not only possessed a very rigorous and meticulous credit assessment system, but also many seemingly incredible collateral replacement items.

For example, signing a betting contract, with a term of ten years, twenty years, or even fifty years; if unable to break through to the corresponding realm, all previously exchanged cultivation resources would be reclaimed, and personal freedom for an equal amount of time would be deprived.

That is, working for Entropy Sea Bank to pay off the debt!

Besides this, there is the so-called "time debt," using one's own potential and future as collateral; generally speaking, the higher the potential, the greater the future, the more lenient the debt.

Possibly doing a few things, or helping complete a few tasks, and so on.

Products like "Cultivation Loan" and "Karma Loan" that sound terrifying just by hearing them have surprisingly high sales.

The former is exchanging cultivation resources of different specifications, then repaying in installments with one's own cultivation; if unable to repay, the martial path would enter service as an escort fleet for the Merchant Alliance, while the energy path would voluntarily become a "humanoid mining machine," heading to the Netherworld to mine Xu Kong Coins.

The mechanical path would be assigned to laboratories and workshops; of course, the most miserable fate is becoming a component of a super-large computing power crystal element.

Anyway, in short, it's working like an ox and a horse.

As for the latter, it is even more bizarre.

It is said that specifically targeting the energy path, some cultists, or devotees and believers, once used their "Black Household" status to shear wool and take out small loans.

So, Entropy Sea Bank launched the "Karma Loan," more like a means of accountability; once overdue and unpaid, one would be forcibly purchased into the Karma Loan, generating a conceptual connection.

According to customer service, the Karma Loan is like an unremovable debuff buff, always existing as interest stacks; even if the energy path discards the flesh body, it would still take effect.

It could even be passed down through bloodlines, generation to generation, making the saying "a person dies but the loan remains, one loan passes to three generations" widely spread.

"Behind this, there is at least one Divine Spirit Pillar; otherwise it would be impossible to launch such an outrageous product."

The more Qin Shiyue pondered, the more he felt Entropy Sea Bank was extraordinary; many businesses involved the two great concepts of "Time" and "Karma."

He put away the crooked thought of using a fake identity to take out small loans; being able to bypass multi-layered defense systems and create fake identities to open accounts was probably out of respect for the Dongxia Four Great Pillars' 【Divine Machine】.

"This platform can provide me with another channel for resource acquisition."

Qin Shi always remembered what Lin Yunqing told him: beneath the Star Sea, resources are king.

Only giant enterprises and consortia that can control resources, mobilize resources, and even monopolize resources deserve the title of "Superpower" and be promoted to the First Echelon of the great universe.

He counted the string of zeros in his personal account, about seven digits, roughly a million in net worth.

This million was not measured using Dongxia's credit currency.

But rather Entropy Sea Bank's own launched "Entropy Coin."

Although it cannot circulate widely in the Star Sea, it can be exchanged at par for "Xu Kong Coins" recognized by all major financial centers.

"About one thousand seven hundred pieces. This Xu Kong Coin is very valuable!"

Qin Shi frowned; one must know, the million net worth given by Entropy Sea Bank was based on his mortal body potential, growth space, and roughly mastered Martial God Inheritance, Dao Guan Inheritance, and other comprehensive factors.

Through communication and understanding with customer service, he discovered Entropy Sea Bank valued the future more.

In its assessment system, a professional level does not necessarily score higher than an amateur level.

"Age, talent, inheritance, comprehension, the path walked... even birthplace, parents, ancestors are all included in the scoring parameters."

Qin Shi's mouth corner twitched; what big data risk review, this is treating an individual as an investment project.

His finger swiped, seeing a pyramid diagram; Entropy Sea Bank divided all living beings into different tiers.

For Dongxia humans, there are "Genius," "Hero," "Strange Person," "Peerless True Dragon," "Innate Divine," "Unique Dao Seed," "Son of Transcendence," and so on.

The reason for emphasizing Dongxia humans is because at the very top of the pyramid, there are not a few existences born powerful.

Like Star Gods far ahead, looking down on all heroes, as well as the few starry sky giant beasts.

They belong to "Mythic Species," "Star Species," from birth located at the top of the great universe food chain, almost without natural enemies.

"It's actually just 'Hero,' second to last."

Qin Shi bared his teeth, somewhat displeased; even if Entropy Sea Bank looked down on his talent and effort, can the extraordinary endowment under the Stele Panel bonus not even mix into a "Peerless True Dragon" level!

"Forget it, endure and keep a low profile."

Qin Shi didn't take advantage and act cute; Entropy Sea Bank at most judged comprehensive potential through filled identity information, as well as mental spirituality and flesh vitality.

For example, various achievement traits, panel improvements, and so on.

He began browsing the many businesses provided by Entropy Sea Bank, simply encompassing everything.

"My credit is only second tier, yet the open exchange list is dazzlingly full, with many I've never even heard of."

Qin Shi marveled, and couldn't help but recognize Entropy Sea Bank, planning to flip through it whenever he had time, to see if he could exchange some cultivation resources he could use; anyway, Hengzhou's blockade was about to be lifted, and by then cross-planet transmission wouldn't be difficult.

……

……

Beyond countless light years, within the Artificial Star Domain, sits the universe-renowned Entropy Sea Bank.

It is like a giant structure of the void, floating above four core-stripped planets; they seem like some kind of gravity anchor points, firmly fixing an unimaginably huge building cluster.

The outer layer is covered with "Star Skeleton Alloy"; this material is extracted from the "skeletons" after a supernova explosion, presenting flowing silver-gray ripples in a vacuum, capable of absorbing ninety percent of energy attacks.

The surface is engraved with the symbolic emblem of a certain Divine Spirit Pillar, layer upon layer, densely packed, countless; when encountering an attack, they light up in sequence, unfolding a spirit shield illuminating half a star domain.

Overall it presents an inverted twelve-crystal structure, symbolizing "wealth gathers at the apex." Each facet embeds city clusters, like beehives, with spaceships coming and going, a scene of bustling prosperity.

The office hall on the ninth layer is a dome of immense proportions.

This is called "Tear of the Stars," with a great origin. It is said to be carved from an entire wormhole core, with countless miniature star models inlaid inside, forming a real-time evolving galactic map.

Looking over, countless office cubicles, clusters of light similar to spirit bodies flicker, carrying out work.

"Just now the Star Archive seemed to have some fluctuation."

This Entropy Sea Bank Risk Control Specialist with item number SH18825444 was operating, when suddenly he felt something wrong.

He opened the Star Archive, found the source of the anomaly: a customer from the Dongxia Republic of the Galaxy.

"Let me check the 'Racial Correction Coefficient' — just the lowest-tier humans, huh."

Risk Control Specialist No. SH18825444 queried internal data; the Entropy Sea Bank had set differentiated standards for different races — carbon-based lifeforms had vast growth potential but short lifespans, and the vast majority of individuals were rather mediocre, whereas silicon-based lifeforms ranked higher, possessing stable energy cores.

"With a Racial Correction Coefficient this low, he actually pledged credit worth millions. Could his Combat Power Index be exceptionally high?"

The Risk Control Specialist performed his duties conscientiously and diligently.

The so-called Combat Power Quantification was the "Combat Power Index" assessed by the Entropy Sea Bank.

It was evaluated from three dimensional parameters: Instant Destructive Power, Sustained Deterrence Value, and Rare Profession Premium.

The baseline standard for Instant Destructive Power was the scale of the interstellar fleet a client could destroy within a fixed time;

Sustained Deterrence Value was the deterrence brought by the client's very existence;

Rare Profession Premium — for instance, the conceptual abilities a Star God is born with, the unique branches forged by those who opened powerful paths, like the Mechanical Sovereigns the Iron People could ascend to through Mechanical Ascension during the Turbulent Age of Dongxia.

Placed in the Vast Star Sea, they all belonged to extremely terrifying professions that made countless civilizations lose their courage at the mere rumor, turning pale at the mention.

"All three Combat Power Index parameters are clearly not high……"

The Risk Control Specialist was thoroughly baffled — a million credit worth 1,500 Xu Kong Coins required at least the strength to pilot a Divine Machine and blast through a space fleet.

"Could it be sufficient assets."

He queried the Star Archive again, pulling up more specific data on that newly registered client.

"Physical Assets: none. Virtual Assets: none. The client is suspected to have accepted the inheritance of the high-risk figure He Lanchan, placing him at the 'Heroic' tier. According to the Entropy Sea Bank's 'Karma Chain,' the client has a 3% Martial God Probability, a 17% Grandmaster Probability……"

The Risk Control Specialist suddenly realized — the Entropy Sea Bank's core system was precisely a "Karma Chain" manufactured by a certain existence.

Whether Time Debt or Karma Loan, both were accomplished based on this layer.

Similarly, the assessment of a client's future potential and achievement space was likewise so.

"A 3% Martial God Probability is indeed worthy of a million-credit rating."

The Risk Control Specialist knew well that among the boundless living beings of the Star Sea, the odds of reaching the endpoint of a path were minuscule to the point of being negligible — even one in ten thousand counted as high.

For that client to reach 3% meant he had tremendous potential.

"Surname Qin, enter into the Level Two intelligence database, submit for higher-up review."

The Risk Control Specialist stamped a seal-like brand; he could not see the client's full information, limited by his rank he could only know part.

This was also the Entropy Sea Bank's privacy protection for the client himself.

After processing this order, the Risk Control Specialist received another exchange request.

"Also a Galactic Regime, Dongxia Republic client, withdrawing five hundred Xu Kong Coins on behalf of the Ying Clan of the Nine Surnames nobility, and requesting the Resource List be opened…… this client's risk coefficient is quite high, a potential Karma Loan target."

During the Risk Control Specialist's operation, the Karma Chain responsible for the Entropy Sea Bank's operation responded, ruling that Ying Lin's death coefficient had risen by seven points, deeming that the resources he over-exchanged might not be fillable.

"Who knows what this guy did, to make his death coefficient spike this much."

The Risk Control Specialist grumbled a line, silently rejecting this order and lowering the exchangeable Resource List, lest high-grade materials like "Star Skeleton" and "Xu Kong Crystal Marrow" leak out.

……

……

At the Haizhou Twin Towers, Luo Bing soon received a reply, his brows tightly knitted:

"Why aren't the Star Skeleton and Xu Kong Crystal Marrow Young Master Ying needs most on the Resource List! Without these two high-specification resources, those top-tier geniuses signed to big companies might not be tempted, willing to risk offending the Nanhuang Dojo and personally take action."

Reasonably speaking, with Young Master Ying's status and the assets he holds, he should already qualify for Level Three — there's no reason the full Exchange List wouldn't be opened.

Luo Bing gritted his teeth; he couldn't possibly question the Entropy Sea Bank — that was a superpower of the greater universe, backed by the Neutral Camp's Upper Pillar, 【World String】.

As the Exclusive Steward of the Ying Clan's direct line descendants, Luo Bing had access to much classified information.

For instance, there existed Twelve Upper Pillars in the greater universe; they were like the most solid foundations within this infinitely vast, boundlessly wide house, firmly supporting the most macroscopic and most microscopic scale rules.

The Dongxia Highest Research Center divided them into "Chaos," "Order," and "Neutral."

Among them, the Order Camp consisted of 【Taiyi】, 【Divine Machine】, 【Heavenly Human】, 【True Dragon】.

The Neutral Camp consisted of 【Door】, 【Transfer Station】, 【Pasture】, and 【World String】.

The Chaos Faction — they were the source of ninety-nine percent of the Secret Sect gangs and heretic organizations in the Star Sea.

There were 【Myriad Changes】, 【Paradise】, 【Doomsday Bell】, and 【Mother Nest】.

These Upper Pillars, their existences spawned countless variables and uncontrollable factors.

For example, emerging forces like the 【Dark Web】, 【Lost Paradise】, 【Business Assembly】 belonged to several Upper Pillars of the Neutral Camp; otherwise they wouldn't have escaped Dongxia's sphere of control.

"Can only settle for the next best thing. Exchange for the next tier of Mineral Essence, Energy Liquid."

Luo Bing said with regret; although these military-grade strategic resources were equally precious, they were by no means scarce.

For top-tier geniuses of extraordinary birth, they lacked strong attraction.

……

……

"One gram of Star Skeleton costs ninety-seven Xu Kong Coins — what the hell, that's expensive!"

Qin Shi was a bit addicted to the Entropy Sea Bank; through this cross-universe financial institution he had broadened his horizons considerably — he originally thought Mineral Essence and Energy Liquid were already rare resources.

"One Xu Kong Coin can exchange for three bottles of Mineral Essence, yet ninety-seven Xu Kong Coins only get you one gram of Star Skeleton."

He couldn't help but hesitate — whether to use his million credit to obtain this resource, unique in the entire Taian Metropolitan Area, from the Exchange List.

Regarding the Entropy Sea Bank, Qin Shi harbored wariness in his heart — after all, taking out predatory loans was a road of no return.

Come to think of it, Xu Kong Coins are this valuable — can't I earn them myself?

Using the Netherworld, refine essence, then condense cryptocurrency imbued with extraordinary properties……

Qin Shi pondered, then turned his gaze onto Super Xiao He.

The latter suddenly shivered, opened his eyes, and asked expressionlessly:

"What are you planning?"

Qin Shi coughed twice, counted on his fingers, and poured out his grievances:

"Lately I've gone bankrupt, owe Lao Chen and Lao Zhang a lot of favors, Miss Lin even dipped into her savings to replenish my cultivation resources, sigh, every day I open my eyes and feel crushed by 'poverty' until I can't breathe……"

Super Xiao He's corner of mouth twitched; as Qin Shi's own Dao Nature Avatar, how could "he" not know what "he" himself was calculating.

"Your Spiritual Residence Inner Landscape, plus the Four Pillars' Symbolic Emblems, qualifies as an Innate Mining Holy Body! There's absolutely no need to worry! You keep cultivating the Xu Kong Meditation Method, unlock layers, and wealth will just flow endlessly…… you think He Lanchan is all alone with no home or career, how did he get onto the First Generation Ten Greats.

He is the Entropy Sea Bank's ninth-tier Supreme VIP, known as the 'Underworld Mine Boss'."

(Chapter End)