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The player who had initially doubted the loan system now stood utterly convinced after witnessing the sheer volu of Transformation Books.

Never assu Transformation Books were worthless. In the Mysterious World, countless players sought to avoid risk.

For instance, mbers of established factions could purchase these books to bypass the dangers of Class Change Dungeons entirely—especially useful for recruits lacking the strength to survive such trials.

Without Bai Lian’s intervention in his own Class Change Dungeon, the mortality rate would have been catastrophic.

At best, a third of participants survived. So dungeons wiped out entire groups.

This scarcity made Transformation Books highly sought after, often exceeding supply!

And Bai Lian’s stockpile? It marked him as a hidden powerhouse in the player’s eyes.

“G-Great Boss… Can I really borrow Rule Points here?” The player stamred, visibly awed.

“Of course.”

Bai Lian assessed the player—a post-class-change veteran with decent gear. Their equipnt alone could fetch a hefty price.

The player brightened. “C-Can I borrow 10,000 Rule Points?”

He’d eyed an item but lacked funds. Why risk dungeons when loans existed?

“Write an IOU and fingerprint it,” Bai Lian replied.

The player scribbled eagerly, already plotting to default. What’s the worst they can do?

Bai Lian accepted the note, checked the na, and transferred the points via the Player Panel.

“Done. Check your balance.”

The player’s eyes bulged. “Th-Thank you, Great Boss!”

Regret hit instantly. Should’ve asked for 20,000!

“100% monthly interest. Repaynt in two months,” Bai Lian added.

Miss the deadline, and the system would confiscate all assets—skills, Rule Points, items. Defaulting wasn’t an option.

“Y-Yes! I’ll repay on ti!” The player fled before Bai Lian could reconsider.

Word spread. Soon, players flooded the shop:

“Elder, we heard you lend Rule Points!”

“I need 10,000!”

“20,000 for !”

Bai Lian disbursed 70,000 Rule Points swiftly. Latecors groaned, missing their “golden opportunity.”

“Let’s see how my ‘investnts’ perform,” Bai Lian mused, watching them leave. Defaulters would learn: debts always collect.

Player Space

Bai Lian stretched and initiated dungeon matching.

【Dungeon Search in Progress…】

【Match Found. Players Queued: 35/100】

【100/100. Entering Dungeon—Prepare!】

Darkness swallowed him.

A flicker of light revealed a silhouette—a prisoner in a bloodied jumpsuit, muttering:

“Why am I here? My na’s Cheng… They caught . No escape… They’ll kill !”

“Trust no one. Not even friends.”

Bloodstained scenes flashed: Cheng’s repeated captures, his desperation mounting.

The vision faded.

【Skill Extraction in Progress…】

【Extraction Complete!】

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