Transmigration Loan—Make It Big Over There

"Since you don't have the toll, take out a loan."

With that, Su Mu handed the A4 paper to Han Xiaopao.

I, Han Xiaopao_ (ID No.: ___________), due to the matter of toll fees, owed "ten treasures" on ________ year ____ month ____ day. Following negotiations between both parties, the annual interest rate shall be 15.4%.. Any inflation compensation, emotional distress compensation, transportation expenses, lost wages, or other losses incurred by the creditor in collecting this debt shall be borne by the debtor. Both parties unanimously agree that this agreement shall have compulsory enforcement effect. This document is hereby established! Debtor: Su Mu (signature and fingerprint)

After reading it, Han Xiaopao was dumbfounded, his eyes full of disbelief.

No way?

Before transmigrating, I was saddled with a mortgage. Now that I've transmigrated, I still have to take on a freaking "Transmigration Loan"??? In this life, am I really never going to escape loans? Han Xiaopao stood there in a daze, holding the contract as he cried inwardly.

I haven't even finished paying off my freaking mortgage yet!! Su Mu smiled when he heard that. "You have to pay a toll to pass through. Those are the rules."

Han Xiaopao looked at this seemingly harmless River Warden. Why is he exactly like my damned landlord? "What does this 'treasure' in your contract mean?"

"What kind of thing counts as a 'treasure'?"

Han Xiaopao spotted the loophole in the contract and hurriedly asked.

"Anything I consider a treasure is a treasure," Su Mu said flatly.

At those words, painful memories began attacking him. Isn't this the legendary 'the company reserves the right of final interpretation'? "Are you signing or not?"

"If you don't sign, I'm not moving."

"Wait, wait!"

"I'll sign! I'll sign!"

Han Xiaopao said, "I don't have any ink pad. I can't leave a fingerprint."

"Bite your finger and use blood for the print."

"That'll show sincerity."

Su Mu crossed his arms and urged him on.

Han Xiaopao could not argue with him and could only obediently press down a Blood Seal.

After taking back the contract and confirming that everything was in order, Su Mu smiled and extended his right hand. "Pleasure doing business."

"Pleasure. Doing business." Han Xiaopao wanted to cry, but no tears would come.

"Little Han, when you get over there, don't just lie flat. You need to work hard."

"If you find any treasures, make good use of them. Save more money. Spend what should be spent, but don't spend what shouldn't. Don't go to overly dangerous places either. Life is important."

"And once you've made it big over there, I'll personally come see you."

Su Mu earnestly advised Han Xiaopao.

"Thank you. Thank you for your concern."

Han Xiaopao thought, Save more money? You mean save money for you! And come see me? You mean come collect the debt!

Hmph. Once I get over there, who cares about some bullshit contract? I'm not paying attention to it.

"You're not planning to default, are you?"

Afraid that Han Xiaopao would renege on the debt, Su Mu reminded him in advance.

"Of course not. Once I make it big over there, I'll definitely repay what I owe!"

Han Xiaopao patted his chest.

Repay my ass!! Once I get over there and make it big, I refuse to believe you'll really have the ability to come after me! "Please believe me. I, Han Xiaopao, am not the kind of person who borrows money and refuses to repay it."

Han Xiaopao continued flattering him.

"Not bad. You've got spirit."

Su Mu heavily patted him on the shoulder, jumped off the boat, and floated in the water. Waving goodbye to Han Xiaopao, he said, "Go on. Make it big over there."

"Work hard!"

Just like that, Su Mu jumped off the boat and casually fiddled with something beneath it. The Small Boat began moving.

He watched Han Xiaopao leave until he disappeared from sight.

After returning to shore, Su Mu looked in the direction Han Xiaopao had gone, feeling a surge of envy.

What exactly went wrong with my transmigration? Why did it trap me in this godforsaken river?

You have maintained River Order. Favor Points +200

After sending Han Xiaopao away, Su Mu received a full two hundred Favor Points for maintaining order and public safety.

Perhaps something had gone wrong halfway through his transmigration.

Since he could not leave this place for the time being, he might as well settle down here.

He would first refine this river, escape from here, then find a sect to cultivate in and climb to the peak of life step by step!

Su Mu built a simple house from stones and wood along the riverbank and settled down there.

Host: Su Mu

Cultivation: Qi Refining Fifth Stage

Mastered Divine Abilities: Water Control, Swimming

Controlled Water Beasts: None

River Affinity: 0.01%)

River Favor Points: 380 Points

River Favor Points +10

As the system announcement sounded, he discovered a pattern: as long as he guarded the river for a full day, he would gain ten River Favor Points.

These "River Favor Points" were very useful. For now, Su Mu had only discovered that they could be used for lotteries and raising River Affinity.

Su Mu came to the riverbank, preparing to draw once.

This lottery was random. It consumed Favor Points for a draw, and the range covered the entire Myriad Realms. It all depended on luck.

If he drew from some garbage world, he would be in deep trouble! One River Favor Point corresponded to an "Ordinary Lottery."

Ten River Favor Points corresponded to a "Bronze Lottery."

One hundred River Favor Points corresponded to a "Silver Lottery."

One thousand River Favor Points corresponded to a "Golden Lottery."

The higher the lottery tier, the easier it was to draw good items from higher worlds.

However, it was still possible for an Ordinary Lottery to yield treasures from higher worlds, though the odds were extremely low.

"A single draw can work miracles!"

Su Mu spent one point and chose an "Ordinary Lottery."

1 River Favor Point consumed. "Ordinary Lottery" about to begin.

Drawing...

The next second—

A white treasure chest leaped out of the river and landed on the shore at Su Mu's feet.

When he opened the white treasure chest, he found a jade seal inside. It was four inches square, with five intertwined dragons carved on its knob. Its face bore the inscription: "Mandated by Heaven, may it prosper forever."

Name: Imperial Jade Seal

World of Origin: Qin Dynasty World

Description: After Qin Shi Huang unified the realm and declared himself Emperor, Chancellor Li Si had a jade craftsman carve the Imperial Jade Seal from Lantian Jade, using it as a token of "the divine mandate of imperial power and legitimate orthodoxy." The eight bird-and-worm seal script characters "Mandated by Heaven, may it prosper forever" were engraved on its face. It was a token of legitimacy for China's successive orthodox emperors.

When Su Mu saw that it was the Imperial Jade Seal, his eyes lit up.

Good heavens, the Imperial Jade Seal!

But after the excitement faded, his interest immediately waned. Though it was the Imperial Jade Seal, it was indeed an ordinary item. What he needed were treasures with divine abilities.

Still, he carefully put it away. If he could return to Blue Star one day, bringing the Imperial Jade Seal back with him would fulfill one of the great wishes of Dragon Country's people.

At that moment, Su Mu spotted a little carp stranded on the shore and immediately released it back into the river.

Favor Points +5

Su Mu realized that as long as he properly maintained the order of this little broken river, he would gain River Favor Points.

"Ten draws!"

Su Mu directly spent ten Favor Points and carried out ten Ordinary Lotteries!