The Celestial God slowly rose, his previous arrogance gone; after all, the arrogant Dragon God Child was now dead beyond repair.
"My Angel Clan purchases 10,000 'Red Divine Gifts'."
Having said this, the Azure Dragon slowly approached and traded 500 million 'Universal Stones' with him.
The transaction was successful, and each clan began to announce their quantities.
"My Light Elf Clan purchases 8,000 'Red Divine Gifts'."
"My Human Emperor Clan purchases 7,000 'Red Divine Gifts'."
"My Dark Elf Clan purchases 6,000 'Red Divine Gifts'."
"My Wind Elf Clan purchases 6,000 'Red Divine Gifts'."
"My Dwarf Clan purchases 4,000 'Red Divine Gifts'."
…
Fang Xian watched them continue trading with satisfaction; this time, their 'Universal Stone' income would be around 10 billion.
"Universal Stones" are useless to level 1000 players, but for those who haven't reached the level cap, they can be used as experience pills.
However, most people wouldn't be that extravagant, since the experience gained from "Universal Stones" is minimal.
Seeing their transaction complete, Fang Xian felt he could continue to squeeze more out of them.
"Everyone, the 'Red Divine Gift' is only available today. Once it's gone, it's gone forever. Won't you buy some more?"
Silence fell; no one answered.
It wasn't that they didn't want to buy, but they had run out of "Universal Stones," and many had even had all their savings drained by Fang Xian.
After a moment of silence, Fang Xian smiled and offered them a solution.
"Everyone, I know you don't usually carry many 'Universal Stones' when you're out and about, so I've decided to relax the policy and lend them some."
Upon hearing this, everyone exchanged bewildered glances.
In this vast world, the concept of loans was nonexistent. After all, their focus was on leveling up, and monetary transactions were largely ignored.
Besides, their actions of burning, killing, and robbing were commonplace; they didn't need such restrictive rules.
Dongfang Cangjue bowed slightly and asked curiously,
"What does Alliance Leader Fang mean by 'loan'?"
Fang Xian smiled slightly, explaining.
"It's simple. I'll give you the 'Red Divine Gift' first, and you can repay the 'Universal Stones' you owe me within a year."
They looked at each other in disbelief. Such a good deal?
Someone, emboldened by their excitement, immediately asked,
"Alliance Leader Fang, can you really give us the 'Red Divine Gift' first?"
"Of course."
Fang Xian maintained an innocent expression and continued explaining.
"However, I'll be charging interest, 120% annually."
The people of the Great Thousand Worlds still didn't quite understand the concept of a 120% annual interest rate.
Fang Xian smiled and patiently explained.
"Let me explain it to you in simple terms. If you buy 100 million worth of 'Red Divine Gift' from me, you'll need to pay me 10% monthly interest."
"That means if you borrow 100 million, you'll need to pay me 10 million in interest every month, in addition to the principal."
If there were any people from China here, they'd probably be cursing.
According to Chinese standards, an annual interest rate exceeding 13.8% is considered usury.
Fang Xian's proposed annual interest rate of 120% is the highest level of usury.
Even the most unscrupulous merchants would exclaim upon seeing this:
—I'm so damn kind!
After Fang Xian's explanation, their faces darkened, brows furrowed, and lips pressed tightly together, afraid they might blurt out something offensive.
They disliked this kind of tactic, but that didn't mean they were stupid.
Borrowing 100 million, with monthly interest payments of 10 million—anyone with a brain knew Fang Xian's heart was black, black to the point of being purplish-black.
But they were also deeply manipulated by Fang Xian; the allure of a long-lasting youth was simply too great.
Especially for powerful families like the Angel Clan, Light Elf Clan, Human Emperor Clan, and the Mystic Clan, the temptation was even greater.
As long as they took out loans from Fang Xian here and bought a large quantity of "Red Divine Gifts," they wouldn't have to worry about repaying the loan, and might even receive greater rewards from their families.
They hesitated for a moment, then decisively applied for the loan.
Tian Shenwei remained expressionless and spoke directly.
"My Angel Clan wants a loan of 10 billion worth of 'Red Divine Gifts'."
This statement caused an uproar.
A 10 billion loan at an annual interest rate of 120% means 1 billion in interest to be paid monthly.
The Angel Clan can only leave "Divine Stone Mountain" after a month, meaning they will undoubtedly have to pay that month's interest.
Buying 400,000 "Red Divine Gifts" for 11 billion is an astronomical figure in the eyes of others, but in the eyes of the Heavenly God, this deal is absolutely worthwhile.
The rarity of "Red Divine Gifts" justifies the price.
Moreover, 400,000 "Red Divine Gifts" is beneficial to the entire Angel Clan.
This is exactly the effect Fang Xian wanted. He was going to rip off the major families anyway; he didn't care about the smaller ones.
He looked at the Azure Dragon, who smiled and nodded. The people around him had already recorded the scene as evidence.
Fang Xian smiled, looking at Tian Shenwei with satisfaction.
"Your Highness Shenwei is so generous! 10 billion, I, Fang Xian, will borrow it."
Tian Shenwei's lips twitched slightly. Fang Xian's overbearing manner made him seem like a truly generous and righteous man to anyone who didn't know better.
It was as if he was saying: he wasn't lending money at exorbitant interest rates, he was being righteous.
He was getting a good deal and then acting innocent, gaining both face and substance.
But Tian Shenwei dared not say anything, and could only grit his teeth and swallow his anger.
With Tian Shenwei leading the way, other powerful families also followed suit, spending lavishly.
"My Light Elf race requests a loan of 10 billion worth of the 'Red Divine Gift'."
"My Human Royal Clan requests a loan of 10 billion worth of the 'Red Divine Gift'."
"My Wind Elf race requests a loan of 10 billion worth of the 'Red Divine Gift'."
"My Dark Elf race requests a loan of 10 billion worth of the 'Red Divine Gift'."
Bai Lengshen looked at them and smiled coldly.
As one of the major clans, he had truly felt the humiliation of "poverty" today. Now that he could get a loan, he was going to have a good time and vent his anger.
He straightened his back, slightly raised his chin, and shouted loudly with an air of invincibility and dominance:
"My Mystic Clan requests a loan
—50 billion."