[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"origin-level-4-human-in-a-ruined-world":3,"chapter-level-4-human-in-a-ruined-world-level-4-human-in-a-ruined-world-chapter-185":6},{"origin":4,"title":5},"english","Level 4 Human in a Ruined World",{"chapter":7,"nextChapterSlug":19,"prevChapterSlug":20,"totalChapters":21,"novelImage":22},{"id":8,"novel_id":9,"title":10,"slug":11,"index":12,"content":13,"wordcount":14,"created_at":15,"updated_at":15,"volume":16,"translator":17,"content_hash":18},1848372,2454,"Chapter 185","level-4-human-in-a-ruined-world-chapter-185",185,"\u003Cp>[Translator – Night]\u003C\u002Fp>\n\u003Cp>[Proofreader – Gun]\u003C\u002Fp>\n\u003Cp>Chapter 185: Everyone’s Strongest Sword (5)\u003C\u002Fp>\n\u003Cp>「Prism Pager」 – General Tool\u003C\u002Fp>\n\u003Cp>【ICheaper rates than death! Prism Credit.】\u003C\u002Fp>\n\u003Cp>A caller that summons a loan company of the universe, whose origins are shrouded in mystery.\u003C\u002Fp>\n\u003Cp>As Yeongwoo toyed with the device, consisting of just a small button, Jeonggu, holding a second bun, asked,\u003C\u002Fp>\n\u003Cp>“Why take out a loan? You’ll be protected by the Strongest Swords… or rather, you’ll receive compensation for your life, so isn’t tax settlement simple after that?”\u003C\u002Fp>\n\u003Cp>“That’s true.”\u003C\u002Fp>\n\u003Cp>“Then why call them? It may not cost money, but…”\u003C\u002Fp>\n\u003Cp>“There’s no reason not to call.”\u003C\u002Fp>\n\u003Cp>Yeongwoo double-checked his current funds.\u003C\u002Fp>\n\u003Cp>* Available Karma: 8,954,500\u003C\u002Fp>\n\u003Cp>A total of 8.95 million Karma.\u003C\u002Fp>\n\u003Cp>“To receive money, you first need to succeed in your mission, right? So you should invest all your current funds into your abilities.”\u003C\u002Fp>\n\u003Cp>Today marks the 5th day since the reset.\u003C\u002Fp>\n\u003Cp>Therefore, even ordinary mutants appearing later would be much stronger in accordance with the first day.\u003C\u002Fp>\n\u003Cp>Even for non-high-risk types.\u003C\u002Fp>\n\u003Cp>“And surprisingly, there may not be many Strongest Swords visiting Gwangjin-gu… It’s wise to have insurance. At least you should know how much you can borrow. Aren’t you curious?”\u003C\u002Fp>\n\u003Cp>If the loan is provided in the form of currency like Dogo’s card, it means it can be copied with a ‘blank check’.\u003C\u002Fp>\n\u003Cp>In other words.\u003C\u002Fp>\n\u003Cp>‘It means there’s a way to pull in money in large quantities. It doesn’t have to be right now.’\u003C\u002Fp>\n\u003Cp>Knowing that space taxes are imposed more than imagined, it was very important to have an outlet ready to release money at any time.\u003C\u002Fp>\n\u003Cp>Click.\u003C\u002Fp>\n\u003Cp>So eventually, Yeongwoo pressed the small caller.\u003C\u002Fp>\n\u003Cp>Squeak.\u003C\u002Fp>\n\u003Cp>As before, a part of the empty space opened slightly, revealing only someone’s silhouette, as if placing opaque glass against it.\u003C\u002Fp>\n\u003Cp>– Prism Credit, did you call?\u003C\u002Fp>\n\u003Cp>Finally, a voice whispered from somewhere in outer space.\u003C\u002Fp>\n\u003Cp>It was the first time hearing the sales pitch of an unfamiliar loan company.\u003C\u002Fp>\n\u003Cp>It was even more baseless than mediator Kubu’s greetings.\u003C\u002Fp>\n\u003Cp>With no proper self-introduction or regard for the other party……\u003C\u002Fp>\n\u003Cp>“What is this… some kind of hole-in-the-wall?”\u003C\u002Fp>\n\u003Cp>Jeonggu, feeling something was off, looked at the silhouette of Prism Credit with suspicious eyes.\u003C\u002Fp>\n\u003Cp>Upon hearing Jeonggu’s dialogue, Prism Credit showed a reaction from its side.\u003C\u002Fp>\n\u003Cp>– Oh, sorry.\u003C\u002Fp>\n\u003Cp>Bending over like a flatterer, all one could see was the other party bowing.\u003C\u002Fp>\n\u003Cp>It was somewhat cimucal, but Yeongwoo proceeded with the loan consultation.\u003C\u002Fp>\n\u003Cp>“You mentioned a credit loan, so what are the criteria for credit assessment by your company?”\u003C\u002Fp>\n\u003Cp>– First, we consider the actual income amount, and second, we prioritize universal grades.\u003C\u002Fp>\n\u003Cp>As expected of a loan company, they seemed to value substance over status.\u003C\u002Fp>\n\u003Cp>– Of course, the possession of assets is also one of the reference conditions. We also process secured loans.\u003C\u002Fp>\n\u003Cp>A space loan shark, chuckling unpleasantly.\u003C\u002Fp>\n\u003Cp>Upon this, Yeongwoo thought to himself.\u003C\u002Fp>\n\u003Cp>‘My recent two-day income is 34 million… Will they lend me the same amount?’\u003C\u002Fp>\n\u003Cp>Even if they did, it would be somewhat wasteful to use a blank check.\u003C\u002Fp>\n\u003Cp>‘It could be a currency that I won’t be able to get again… Unless it’s really urgent, I should go for billions to make copies.’\u003C\u002Fp>\n\u003Cp>Yeongwoo set his own limit and asked the other party,\u003C\u002Fp>\n\u003Cp>“So, according to my current standards, how much loan can I get?”\u003C\u002Fp>\n\u003Cp>Then, as if waiting for it, the other party answered.\u003C\u002Fp>\n\u003Cp>– 1.6 billion.\u003C\u002Fp>\n\u003Cp>“What…?”\u003C\u002Fp>\n\u003Cp>– Up to 1.6 billion is possible. However……\u003C\u002Fp>\n\u003Cp>Swiftly, a presence beyond the curtain pointed a finger-like object at Yeongwoo’s waist.\u003C\u002Fp>\n\u003Cp>– You must set that sword as collateral.\u003C\u002Fp>\n\u003Cp>“……!”\u003C\u002Fp>\n\u003Cp>As soon as Yeongwoo heard this, he felt chills all over his body.\u003C\u002Fp>\n\u003Cp>It was because of his intuition that Prism Credit hadn’t come to ask for interest or profit.\u003C\u002Fp>\n\u003Cp>‘These guys are also aiming for the Bastard.’\u003C\u002Fp>\n\u003Cp>But if that 1.6 billion were paid out in currency and it was a loan that allowed early repayment, it could bring huge profits.\u003C\u002Fp>\n\u003Cp>Yeongwoo tried to hide his panic as much as possible and asked again,\u003C\u002Fp>\n\u003Cp>“If I were to borrow 1.6 billion, would that money be paid out entirely in currency?”\u003C\u002Fp>\n\u003Cp>– That’s correct.\u003C\u002Fp>\n\u003Cp>‘Good grief.’\u003C\u002Fp>\n\u003Cp>Yeongwoo swallowed his saliva and asked the next question.\u003C\u002Fp>\n\u003Cp>“What about the repayment schedule and interest rate?”\u003C\u002Fp>\n\u003Cp>– You will see in the contract, but the schedule can be freely set by you. It can be from one day to eternity.\u003C\u002Fp>\n\u003Cp>“……?”\u003C\u002Fp>\n\u003Cp>– However, the interest rate is 10% per day, and early repayment is possible from the 2nd day.\u003C\u002Fp>\n\u003Cp>“… If the loan amount is 1.6 billion, I would have to pay 160 million every day.”\u003C\u002Fp>\n\u003Cp>Essentially a daily laborer.\u003C\u002Fp>\n\u003Cp>Since early repayment is possible from the 2nd day, they would pocket 20% of the principal as profit just by initiating the loan.\u003C\u002Fp>\n\u003Cp>But even this would be nullified if they were to copy the loan of 1.6 billion.\u003C\u002Fp>\n\u003Cp>“Well then…”\u003C\u002Fp>\n\u003Cp>Yeongwoo was about to ask to see the loan agreement, but hesitated for a moment.\u003C\u002Fp>\n\u003Cp>– Shall I draft the contract?\u003C\u002Fp>\n\u003Cp>Prism Credit seemed to sense something and attempted to show the contract, prompting Yeongwoo to reiterate one thing.\u003C\u002Fp>\n\u003Cp>“Currency.”\u003C\u002Fp>\n\u003Cp>– …?\u003C\u002Fp>\n\u003Cp>“You said the loan of 1.6 billion would be paid out in currency, but is it a single currency? Like a card.”\u003C\u002Fp>\n\u003Cp>Upon this, Prism Credit’s loan officer sighed silently.\u003C\u002Fp>\n\u003Cp>– The loan will be paid out in multiple currencies.\u003C\u002Fp>\n\u003Cp>“How much exactly?”\u003C\u002Fp>\n\u003Cp>Yeongwoo asked again, slightly annoyed, and the response came as if the other party had no choice.\u003C\u002Fp>\n\u003Cp>– Physical currency worth 10 million each, a total of 160 pieces.\u003C\u002Fp>\n\u003Cp>“Ah.”\u003C\u002Fp>\n\u003Cp>That makes sense.\u003C\u002Fp>\n\u003Cp>Things seemed to fall into place easily.\u003C\u002Fp>\n\u003Cp>After all, the top loan company wouldn’t be unaware of the variable known as the blank check.\u003C\u002Fp>\n\u003Cp>So, they couldn’t allow the duplication of currency to facilitate early repayment or to stop interest.\u003C\u002Fp>\n\u003Cp>Especially when it’s more profitable to induce defaults and take collateral, as in this case.\u003C\u002Fp>\n\u003Cp>“Then, it won’t be possible to receive that money all in one currency.”\u003C\u002Fp>\n\u003Cp>– We are not capable of that, even technically. It’s a skill that only top-tier companies can handle.\u003C\u002Fp>\n\u003Cp>Merging the originally divided cash into a card or the like at will.\u003C\u002Fp>\n\u003Cp>That alone being possible indicates they belong to the top-tier, as Prism Credit describes.\u003C\u002Fp>\n\u003Cp>That’s understandable, as it’s essentially creating a new currency.\u003C\u002Fp>\n\u003Cp>In other words,\u003C\u002Fp>\n\u003Cp>‘Dogo must be one of those top-tier companies.’\u003C\u002Fp>\n\u003Cp>It seemed even more impressive now to see the capabilities of Chairman.\u003C\u002Fp>\n\u003Cp>“Alright. So, all you can offer me is an unsecured credit loan, and the interest rate is 10% per day, right?”\u003C\u002Fp>\n\u003Cp>– That’s correct. Shall we calculate the loan amount?\u003C\u002Fp>\n\u003Cp>Since the other party asked so insistently, Yeongwoo felt there was something else and asked back.\u003C\u002Fp>\n\u003Cp>“To calculate the loan amount, do you need access to my data?”\u003C\u002Fp>\n\u003Cp>[Translator – Night]\u003C\u002Fp>\n\u003Cp>[Proofreader – Gun]\u003C\u002Fp>\n\u003Cp>– …Yes.\u003C\u002Fp>\n\u003Cp>“Then I decline. See you next time.”\u003C\u002Fp>\n\u003Cp>As Yeongwoo declined data access in one go, the other party showed an embarrassed expression.\u003C\u002Fp>\n\u003Cp>However,\u003C\u002Fp>\n\u003Cp>Click.\u003C\u002Fp>\n\u003Cp>Yeongwoo pressed the caller again and closed the area of Prism Credit that had been partially connected to this side.\u003C\u002Fp>\n\u003Cp>Swoosh!\u003C\u002Fp>\n\u003Cp>“Indeed, both Earth and space loans are risky.”\u003C\u002Fp>\n\u003Cp>“10% per day is insane. In ten days, you’d only be paying off interest.”\u003C\u002Fp>\n\u003Cp>“But still, I do have some income.”\u003C\u002Fp>\n\u003Cp>Yeongwoo looked down at Bastard at his waist.\u003C\u002Fp>\n\u003Cp>Didn’t even a loan company whose origins were unclear called for 1.6 billion karma in collateral loans?\u003C\u002Fp>\n\u003Cp>This opportunity allowed him to glimpse the value of mythical equipment.\u003C\u002Fp>\n\u003Cp>Moreover,\u003C\u002Fp>\n\u003Cp>‘I might get some idea of how loans work on the other side.’\u003C\u002Fp>\n\u003Cp>Looking at the top companies, there must have been major banks, equivalent to the number one financial sector on Earth, somewhere.\u003C\u002Fp>\n\u003Cp>That means, with solid capital and status, much more stable loans could be obtained.\u003C\u002Fp>\n\u003Cp>‘Of course, whether they’ll allow copying with a blank check is questionable.’\u003C\u002Fp>\n\u003Cp>As Yeongwoo spent quite some time conversing with the dealer, the window outside was already glowing red.\u003C\u002Fp>\n\u003Cp>So, Yeongwoo said,\u003C\u002Fp>\n\u003Cp>“Why is the sky already turning red…?”\u003C\u002Fp>\n\u003Cp>While checking his watch, he suddenly realized.\u003C\u002Fp>\n\u003Cp>It was only just noon now.\u003C\u002Fp>\n\u003Cp>“What, what’s going on? Why is the sky like that?”\u003C\u002Fp>\n\u003Cp>Jeonggu also looked out the window with widened eyes.\u003C\u002Fp>\n\u003Cp>Is it reasonable for the sky to turn so red around lunchtime?\u003C\u002Fp>\n\u003Cp>This is probably…\u003C\u002Fp>\n\u003Cp>“It’s because of the mutants.”\u003C\u002Fp>\n\u003Cp>“Is a dragon coming today for real?”\u003C\u002Fp>\n\u003Cp>The return of the chaebols.\u003C\u002Fp>\n\u003Cp>It seemed like the dragons were being treated differently.\u003C\u002Fp>\n\u003Cp>Previously, there were no signs of any mutants until their appearance time.\u003C\u002Fp>\n\u003Cp>“Father should leave for Dobong in advance, right? Even a little delay and the whole city might go up in flames.”\u003C\u002Fp>\n\u003Cp>As Yeongwoo said this, Jeonggu hesitated for a moment before nodding.\u003C\u002Fp>\n\u003Cp>“Y-yeah, you’re right. It’s definitely okay to lend Negwig this time…?”\u003C\u002Fp>\n\u003Cp>* * *\u003C\u002Fp>\n\u003Cp>12:03 PM.\u003C\u002Fp>\n\u003Cp>As Yeongwoo and Jeonggu stepped out of the lobby of the Parnas Hotel, Lim Suna, who was turning back to give instructions to the staff, noticed the two.\u003C\u002Fp>\n\u003Cp>“Yeongwoo…!”\u003C\u002Fp>\n\u003Cp>Her shadow rushing towards them was entirely crimson.\u003C\u002Fp>\n\u003Cp>It was because the sky had turned even redder during that time.\u003C\u002Fp>\n\u003Cp>“We’ve already evacuated all the residents in our district. The hunters are just waiting at their original locations, ready to clean up the monsters.”\u003C\u002Fp>\n\u003Cp>It meant that Taewon and the monster contractors from Gangnam Police would engage in battle as before.\u003C\u002Fp>\n\u003Cp>Leaving monsters unchecked just because high-risk mutants appeared would result in buildings used as residences being destroyed tonight.\u003C\u002Fp>\n\u003Cp>“Yes. But if by any chance, a dragon appears… tell everyone to run away without hesitation.”\u003C\u002Fp>\n\u003Cp>“Understood.”\u003C\u002Fp>\n\u003Cp>And then, followed by,\u003C\u002Fp>\n\u003Cp>“Hey, Yeongwoo!”\u003C\u002Fp>\n\u003Cp>Yangju’s Strongest Swordsman, Choi Jongseon, appeared from afar, waving her hand.\u003C\u002Fp>\n\u003Cp>She had rushed out at once upon seeing the sky turning red.\u003C\u002Fp>\n\u003Cp>She even had her baby with her.\u003C\u002Fp>\n\u003Cp>“Oh, Mrs. Choi.”\u003C\u002Fp>\n\u003Cp>As Yeongwoo raised his hand in response to Jongseon, Jeonggu muttered beside him.\u003C\u002Fp>\n\u003Cp>“Why did she bring the baby out? Why are there only crazy people around you?”\u003C\u002Fp>\n\u003Cp>“Well, if mother is the Strongest Swordsman, wouldn’t it be safest by her side?”\u003C\u002Fp>\n\u003Cp>Of course, the baby’s face had to be well covered.\u003C\u002Fp>\n\u003Cp>To prevent the baby from being blinded by the flames or getting burned.\u003C\u002Fp>\n\u003Cp>“Hyung-niiiiim…!”\u003C\u002Fp>\n\u003Cp>Finally, Kim Jongsu, who had stuck Yeongwoo’s body together that was hacked in two pieces in Chungju, appeared.\u003C\u002Fp>\n\u003Cp>Yeongwoo knew well that the reason Jongsu survived in this world was to see the ‘dragon’ in person, so he couldn’t help but laugh.\u003C\u002Fp>\n\u003Cp>And not only that, Jongsu was now making an ecstatic expression while looking at the red sky.\u003C\u002Fp>\n\u003Cp>“It feels like a dream, hyung-nim.”\u003C\u002Fp>\n\u003Cp>“Don’t be too excited. There’s still a chance it might not be a dragon.”\u003C\u002Fp>\n\u003Cp>At the bizarre conversation, Jeonggu and Jongseon, as well as Suna, showed signs of fatigue.\u003C\u002Fp>\n\u003Cp>Meanwhile, the entire Gangnam District was in a state of emergency.\u003C\u002Fp>\n\u003Cp>Just the fact that the sky turned red made all the residents anxious, and even the monster contractors, who usually didn’t believe, were now praying to the gods.\u003C\u002Fp>\n\u003Cp>“If my body falls apart again this time, you’ll have to stick it back together.”\u003C\u002Fp>\n\u003Cp>As Yeongwoo joked like this and was about to open the system window to invest in his abilities…\u003C\u002Fp>\n\u003Cp>Kwang…!\u003C\u002Fp>\n\u003Cp>Suddenly, lightning and thunder struck one after another from inside the red sky.\u003C\u002Fp>\n\u003Cp>And then,\u003C\u002Fp>\n\u003Cp>–Seoul, have you prepared someone to face me?\u003C\u002Fp>\n\u003Cp>–Those with courage, step forward and reveal your name.\u003C\u002Fp>\n\u003Cp>A deep voice resonated endlessly from somewhere beyond the sky.\u003C\u002Fp>\n\u003Cp>A powerful presence that dared not to answer.\u003C\u002Fp>\n\u003Cp>It was undoubtedly one of the high-risk mutants scheduled to appear today.\u003C\u002Fp>\n\u003Cp>“….”\u003C\u002Fp>\n\u003Cp>At this, everyone instinctively looked at Yeongwoo.\u003C\u002Fp>\n\u003Cp>Thud.\u003C\u002Fp>\n\u003Cp>But unexpectedly, Yeongwoo…\u003C\u002Fp>\n\u003Cp>“Chwaat!”\u003C\u002Fp>\n\u003Cp>Already shouting while swinging the myth sword ‘Bastard’ towards the sky.\u003C\u002Fp>\n\u003Cp>“I am an orphan, the master of the mythical sword ‘Bastard’, Joseon’s Strongest Swordsman, Jeong Yeongwoo…!”\u003C\u002Fp>\n\u003Cp>“…What? Yeongwoo, that’s a lie.”\u003C\u002Fp>\n\u003Cp>“I’ll fighttttt!”\u003C\u002Fp>\n\u003Cp>[Translator – Night]\u003C\u002Fp>\n\u003Cp>[Proofreader – Gun]\u003C\u002Fp>",1989,"2026-06-09T07:03:45.853Z",1,"novelbin.me","74350ec39f892bbf31092d2da7e613458a3ad4146c02efe172d6fbfebc62f536","level-4-human-in-a-ruined-world-chapter-374","level-4-human-in-a-ruined-world-chapter-373",688,"https:\u002F\u002Fnovelzhen.com\u002Fimages\u002Fcovers\u002Flevel-4-human-in-a-ruined-world-cover.jpg"]