Chapter 428: Ten Percent Monthly Interest, the Beginning of the Heaven's Collapse

Lin Feng stood frozen in place, a buzz sounded in his mind, and everything went blank.

He even suspected his own ears had a problem.

Monthly interest……ten percent?

What does that mean?

This means that if you deposit ten million, you need do nothing, and after one month you will gain an extra one million out of thin air.

Over a year, that becomes twelve million.

The principal not only more than doubles, it even exceeds what the vast majority of Golden Core cultivators can earn in a lifetime!

This isn't finance, it's robbery! No, it's printing money!

No, even printing money isn't this fast!

"Gr... Great Elder..."

Lin Feng's voice was dry and hoarse, carrying fear and trembling he himself hadn't even noticed,

"How... how are we supposed to pay this interest? Forget ten percent monthly interest, even one percent, the total annual profit of all industries in Qingfeng City wouldn't cover our monthly interest..."

He was afraid.

He really was afraid.

The previous scheme of depositing money to receive cultivation techniques and spiritual energy,

although exaggerated, it was still within his comprehension—nothing more than burning money to gain market share.

But this now has completely surpassed his understanding.

This is playing with fire, hanging an immortal mountain from a single hair on the edge of a cliff!

"Who told you we need to use profit to pay the interest?"

Gu Linjiang turned his head, looking at Lin Feng's ashen face and cold sweat streaming down, a flicker of approval flashed in his eyes.

Knowing fear is a good thing.

It shows he hasn't been addled by this sudden wealth.

"Then... what should we use?" Lin Feng asked instinctively.

Gu Linjiang didn't answer, merely lifted his tea cup, gently blew on the floating leaves, and slowly sipped.

……

When the news of the "Gu Clan Immortal Cultivation Finance Supreme Edition" spread through the city via the huge light screen at the bank's entrance,

all of Qingfeng City first fell into an eerie silence.

Every cultivator who saw the notice, regardless of cultivation level or status, stood frozen as if immobilized, eyes bulging, mouths open wide enough to fit an egg.

After three breaths.

Boom——!!!

An indescribable uproar erupted, like a volcano that had been building for ten thousand years suddenly exploding!

"Am I seeing wrong? Monthly interest……ten percent?!"

"Crazy! Gu Bank is crazy! This world is crazy!"

"Fake! It must be fake! How could such a good thing exist in the world!"

Doubts rose and fell, but more people's eyes began to burn with a flame called greed.

"Never mind if it's real or fake! Let's go check it out first!"

"Go go go! Hurry to the bank! Late and you might not even squeeze through the door!"

The crowd surged like a breached flood, from all directions of the city, wildly rushing toward that ninety-nine-story Glazed Jewel Pagoda.

And when they saw inside the bank hall, dozens of beautiful Nascent Soul-stage female cultivators smiling as they presented the first batch of depositors who had signed Soul Contracts with that purple-gold token symbolizing Supreme Noble Guest status, even the last shred of reason was burned to ash.

It's real!

It actually is real!

"Sell! Sell the sect's Guardian Mountain Great Array!"

In the eastern part of the city, the sect leader of a third-rate sect on the spot crushed a transmission jade slip and roared at the elder on the other end,

"Sell the land too! Sell the Spirit Beast Garden! Sell everything that can be exchanged for immortal crystals! I want to see ten million within a day! No, twenty million!"

"Master! No! That's our ancestral property passed down for three hundred years!"

"Ancestral property? Can ancestral property yield a ten percent monthly interest?! In one month we'll earn back everything we sold! After a year we'll be the top sect in Qingfeng City!"

Similar conversations played out on every corner of the city.

Countless cultivators smashed pots and sold iron, liquidating their assets.

Some mortgaged ancestral magic treasures, some sold the caves they lived in, and others, to reach that ten million threshold, did not hesitate to sign harsh life-and-death contracts with dozens of fellow cultivators, pooling everyone's wealth.

The entire First Heaven was plunged into an unprecedented financial frenzy.

……

Ruined Heaven World, Immortal Dynasty Capital.

Minister of Revenue Qian Bapi frowned, looking at the glaring red warning data on the light screen.

"What's going on? Why have funds in the Eastern Region of the First Heaven seen such a massive abnormal outflow in just three days?"

His eyes, skilled at calculation, were filled with doubt.

As the God of Wealth of the Immortal Dynasty, he knew every large flow of immortal crystals in the Ruined Heaven World like the back of his hand.

But this time, the situation carried an inexplicable strangeness.

Those funds did not flow toward any known power or guild, but instead vanished into an account called Gu Bank, which he had never heard of, like mud oxen entering the sea.

"Come here!"

"Your Excellency, Minister."

Check it out for me immediately! This Gu family bank—where exactly does it come from! I want to see all its information within the time it takes to burn an incense stick!

After the time it takes to burn an incense stick.

When Qian Bapi looked at the investigation report about the Gu family bank in hand, on Qian Bapi's chubby face, the blood instantly drained.

"Monthly interest... ten li?"

"Principal and interest guaranteed, a soul contract?"

Pat

The jade slip slipped from their trembling hand, fell to the ground, and shattered into pieces.

"Something big has happened! Your Majesty! Something big has happened!"

Soon, the highest echelons of the Xian Dynasty were thoroughly shaken.

In the imperial study, the Xian Dynasty's emperor looked at the emergency memorial submitted by the Ministry of Revenue, and the emperor's dragon visage flared with anger.

"How outrageous! In broad daylight, to engage in such poison‑drinking‑to‑quench‑thirst, state‑foundations‑shaking sorcery! This Gu merchant guild, just what kind of monster is it, and what does it intend?!"

Please calm your anger, Your Majesty.

An old man with white hair and beard, wearing a python robe, slowly stepped out from among the officials.

He bore a faint smile, his composure calm — indeed, he was the incumbent prime minister, Li Si.

According to this old subject, this is not merely not a bad thing; on the contrary…… it is a tremendous blessing.