Treasure-Dropping Golden Coin, Money Laundering Methods

Rhine followed Hagrid through Diagon Alley and soon arrived before a magnificent building.

This was the famed Gringotts.

Warnings for thieves were even engraved upon Gringotts' doors, and Hagrid solemnly assured Rhine.

"Gringotts is the second safest place in the entire wizarding world. Other than Hogwarts, nowhere is safer than here."

Rhine twitched the corner of his mouth and forced out an awkward yet polite smile.

It seemed Hagrid had not yet gone to fetch Harry Potter, but apparently, on the day Harry Potter came to the wizarding world, Gringotts had been robbed.

Then, during Harry Potter's seventh year, he had broken into Gringotts with Ron and Hermione, stolen the Golden Cup of Hufflepuff from within, and even released the Ukrainian Ironbelly fire dragon beneath Gringotts.

This second-safest place in the wizarding world did not seem all that safe, did it?

But on second thought, compared to the disaster-ridden Hogwarts, Gringotts was still much better.

At least Gringotts was only robbed twice in seven years, while Hogwarts was infiltrated by criminals every single year.

Rhine then stepped forward and followed Hagrid into Gringotts.

"Exchange money for a new Hogwarts student."

Hagrid's booming voice rang out.

Rhine's expression shifted as he added a question.

"Does Gringotts cooperate with Muggle banks? If so, you can transfer it directly from my Muggle bank account."

"London Bank, Santander Bank, HSBC Bank... any of them will do. I have VIP accounts with all of them."

The goblin behind the counter, who had been casually receiving customers while working an abacus, suddenly raised his head. A glint appeared in his eyes, and his attitude became far more attentive.

"Ah, yes, of course. Gringotts has discreet partnerships with Muggle banks."

"Sir, my name is Ragnok. May I know your name?"

Rhine gave his name.

"Rhine Snow."

Ragnok immediately called to the goblin beside him who was also working an abacus.

"Go check Mr. Rhine's accounts."

A moment later, strip after strip of paper came spitting out from the magical printer nearby.

Ragnok and the other goblin froze for a moment before their faces filled with enthusiasm.

"Mr. Rhine, please come to the VIP room. It is far too noisy here."

Yet they failed to notice that a hint of eagerness had also flashed through Rhine's eyes as he looked at them.

Another notification appeared on the system screen.

You encountered the independent cultivators Xiao Sheng and Cao Bao by chance on Wuyi Mountain. They were playing a game of chess and, seeing you pass by, invited you for tea.

Though these two had mediocre cultivation, they had jointly refined an extraordinarily wondrous magical treasure—the Treasure-Dropping Golden Coin—which could bring down all treasures under heaven.

Form a Casual Acquaintance with Xiao Sheng and Cao Bao to obtain the Feast on Wind and Drink Dew talent. Similar to Essence of Sun and Moon, it allows you to absorb the spiritual energy needed for cultivation from wind, rain, and dew. These two talents work even better together.

Form a Close Friendship with Xiao Sheng and Cao Bao to obtain the Exceptional Chess Path talent. The two played chess on Wuyi Mountain all year round and had profound mastery of the game, enough to be called grandmasters. Obtaining this talent will grant you exceptional aptitude in chess.

Form a Life-and-Death Friendship with Xiao Sheng and Cao Bao to obtain the Treasure Dropping Money Refining Method. The Treasure-Dropping Golden Coin can bring down all treasures, even magical treasures such as the Sea-Calming Pearl.

After experiencing this several times, Rhine had gradually grown accustomed to the system's warped eyesight.

Why could Gringotts not be Wuyi Mountain?

Wuyi Mountain was shrouded in clouds and mist, while Gringotts was also located within Diagon Alley, which was concealed by hiding magic.

Two goblins working abacuses—why could that not be a chess match? Counting beads and chess pieces were pretty much the same!

His gaze settled on the words "Treasure-Dropping Golden Coin," and he could barely tear his eyes away.

This was an exceptionally stunning magical treasure from Fengshen.

Back then, Zhao Gongming had cut an imposing figure, driving Daoist Burning Lamp into such straits that he could neither flee to heaven nor hide in the earth. The Sea-Calming Pearls in his hand had beaten the Chan Sect members until they wailed like ghosts and howled like wolves.

Yet at Wuyi Mountain, upon encountering the Treasure-Dropping Golden Coin, he had suffered a crushing loss.

Although he killed Xiao Sheng, the Sea-Calming Pearls had been seized by the Treasure-Dropping Golden Coin and fallen into Daoist Burning Lamp's hands.

The twenty-four Sea-Calming Pearls became Daoist Burning Lamp's treasure for attaining the Dao, and were also the origin of the twenty-four heavens of the Western Buddhist sect.

Even an incredible magical treasure like the Sea-Calming Pearl could be brought down, which showed just how formidable the Treasure-Dropping Golden Coin was.

If Rhine could truly produce the Treasure-Dropping Golden Coin in the wizarding world, he was not asking for much. It only needed to bring down treasures on the level of the Elder Wand, and perhaps collect a few Horcruxes along the way.

Dumbledore? Voldemort?

If they really fought, he would disarm their wands and settle it with close-quarters brawling!

Besides, even forming a Casual Acquaintance with these two goblins and gaining the Feast on Wind and Drink Dew talent would be quite good.

Once he later obtained the Essence of Sun and Moon talent from the Owl Roberts, the two might work together well enough for Rhine to cultivate Primordial methods in the wizarding world!

As for that Exceptional Chess Path talent...

Perhaps it would be useful for socializing?

Wizard Chess was quite popular, and Professor McGonagall seemed to have studied it as well. What if he could use it to grow closer to Professor McGonagall?

With that in mind, after arriving at the VIP reception room with Hagrid, Rhine listened as the two goblins explained the wizarding world's currency system.

"One Galleon equals seventeen Sickles, or four hundred and ninety-three Knuts. The exchange rate with Muggle Pounds Sterling is one to five."

"However, this exchange rate fluctuates. Though an honored guest such as yourself may not have such intentions, we must still offer a reminder: unlike wizards, we goblins study modern finance."

"The last Muggle-born wizard who tried to use financial tricks to extract wealth from Gringotts is still repaying his debts to Gringotts."

Then Ragnok smiled.

"Lord Rhine, since you are a young Hogwarts wizard and have not yet come of age, the number of Galleons you may exchange each term is limited by regulation."

Rhine raised an eyebrow and spoke to Hagrid.

"Hagrid, I have another matter of business to discuss privately with Gringotts. Could you wait for me a moment?"

Hagrid froze for a moment, hesitation appearing on his face as he warned Rhine in a "low" voice.

"Rhine, Gringotts goblins only care about money. No creatures are greedier than they are, so don't sign any agreements with them."

Only after Rhine nodded did Hagrid leave the reception room beneath the unfriendly stares of the two goblins.

Rhine looked at the goblins and lowered his voice.

"Any rule can be circumvented, especially so-called clauses restricting minors."

"I am sure you have a way to reasonably and legitimately help me exceed the Galleon exchange limit. I do not want to arrive at Hogwarts and have to count every penny."

A strange gleam appeared in Rhine's eyes.

"There are plenty of ways to launder money in the Muggle world. Don't tell me Gringotts has none."

"In exchange, you can take a twenty percent handling fee."

"Consider it my way of making friends with you."