He switched careers to become a loan shark, handed over his assets to the state, and then profited g

Reborn into a parallel world, Wu Bai awakens to a unique and terrifying profession: the ultimate loan shark. The mechanics of his trade defy conventional logic: anyone who borrows from him doesn't just repay with interest—they surrender their attributes, talents, and buffs straight into his hands. Recognizing the extraordinary potential of this power, his parents decisively hand him over to the state, officially launching his legendary career as a state-backed creditor. Need to double your physical attributes? Take out an attribute loan. Struggling with a mediocre innate talent? A talent loan can rewrite your very potential. Facing an impenetrable boss? Buffer loans will level the playing field. In this world, whatever your problem may be, Wu Bai has a loan for it. Operating under the ultimate mandate to exploit the world through lending and revitalize the nation, Wu Bai wears two faces. Domestically, he is hailed as a national treasure and a miracle worker. To the outside world, however, he is a ruthless financial overlord whose predatory interest rates and relentless collection methods strike fear into the hearts of all who cross him. The experience points are his. The equipment is his. And the future of the nation rests in his ledger.