Qingye: So I've Been a Lunatic All Along?

No, it's not just about bloodlines!

If I could give Minato Namikaze a permanent loan and obtain his data, I could even easily master the Flying Thunder God Technique.

Now that the Mangekyo Chakra Loan is paid off, Qingye can borrow a new permanent loan to learn Ninjutsu.

The Flying Thunder God Technique was precisely the Ninjutsu that Qingye had been eagerly anticipating.

But now that we can control things by lending money to Minato Namikaze, there's no need to borrow money ourselves and then endure the daily grind of 6...

He used up his Chakra limit to miserably pay off his loan.

"The Flying Thunder God Technique also has a one-year repayment period—"

Qingye suddenly felt a toothache.

No way!

Absolutely not!

He was almost numb from the Mangekyo Chakra Loan that year.

I'll wait until Minato Namikaze's lending interest reaches its maximum before I issue a permanent loan myself.

This way, not only the Flying Thunder God Technique can be inherited, but also Minato Namikaze's powerful reflexes can be inherited as well.

The Flying Thunder God Technique is indeed powerful, but without corresponding perception and reaction abilities, you can simply teleport in front of the enemy and then be killed with a single strike.

Just like in the Fourth Shinobi World War in the original timeline, Senju Tobirama used the Flying Thunder God Technique to launch a sneak attack, but he was still turned into a hedgehog by the resurrected one-eyed Madara.

Without sufficient reaction speed, even if an average person learns the Flying Thunder God Technique, they still can't master it!

"Hmm, not only the Flying Thunder God Technique and Reflexes, but also Minato Namikaze's Sealing Jutsu, Sage Mode ----"

If these are acquired through loans, it would require Chakra Loan for a considerable period of time!

Qingye can indeed master the Sage Mode of the Three Great Sage Lands through system loans, but each Sage Mode requires repaying a year's worth of Chakra Loan.

"However, Minato Namikaze doesn't seem to have mastered Sage Mode very well right now—perhaps he could stack Jiraiya's Sage Mode on top of that?"

Give both of them Chakra Loan!

Let them pay off the loan gradually; I won't take out another loan myself.

But if all of this can be obtained by lending money to others, then would one still need to borrow money to learn some kind of Ninjutsu?

Qingye had previously reviewed the Ninjutsu he could currently learn through loans, and the range of techniques he could learn was quite extensive.

Aside from various Fire Style and Lightning Release Ninjutsu, there are also various attribute-neutral Ninjutsu and Secret Technique, and even some Yin Release Secret Technique, all of which can be borrowed and learned.

However, most Ninjutsu are not very valuable to learn.

"Never mind, no rush. We can decide on this later."

I just finished Chakra Loan, so taking a few days off now won't hurt.

Qingye opened the "Permanent Loan" interface again, looked at the two sub-sections, and suddenly thought of something, "System, to obtain the data of others by issuing permanent loans, can I just issue any permanent loan?"

[yes.]

Is that really true?

Doesn't that mean that, theoretically, by giving someone a permanent loan like a "Great Fireball," you can easily obtain the loan recipient's data?

Qingye thought about it for a moment, then felt it was somewhat unrealistic.

Who would borrow money to learn some worthless Ninjutsu?

It's estimated that only one-time permanent Talent Enhancement, and things like Sage Mode or Flying Thunder God Technique, would likely attract borrowers.

"In that case, if I want to learn a certain Ninjutsu, can I lend it to someone so they can learn it, and then I can acquire it by assimilating their data?"

"That way I won't have to work so hard to pay off the loan myself!"

"Wait, something doesn't seem right!"

"System, is the data I obtained about the loan recipients before the loan was taken out for Talent Enhancement or Ninjutsu Learning, or after the loan was completed?"

[Before.]

"----What about the data after the loan is issued?"

[Once the loan recipient has completed their repayment, a special termination ceremony must be performed. The host can then use this ceremony to reclaim the recipient's data after the repayment period and assimilate it into their own system.]

"I see----"

Qingye nodded slowly, feeling that it seemed quite reasonable.

If that's the case, then what kind of permanent loan should I offer to others?

Flying Thunder God Technique?

This is indeed Ninjutsu that the vast majority of people in the entire Shinobi World would want.

However, if you only lend out a Ninjutsu or a Sage Mode, the benefits you gain from data recovery after the borrower repays the loan are very limited.

These are the only techniques that are truly valuable.

By lending money to several people in this way, one can indirectly master the relevant techniques. It probably won't take many lending sessions for one to acquire all the necessary skills.

Even if you master a skill you've already learned, mastering it a few more times probably won't bring you much additional benefit.

"In contrast, if you're lending someone a permanent loan to Talent Enhancement, and through data recovery you obtain the increased Chakra or bloodline from the borrower, the benefits can accumulate indefinitely!"

"But if we do it this way, we might really Earth Flow in the future!"

We must be careful!

A single Kage-level expert could almost single-handedly take on an entire ninja village!

If someone of the Five Kage's caliber were to receive a permanent loan to enhance their talent, they might actually be able to single-handedly wipe out an entire ninja village!

"So, if we're really going to do it this way, we need to maintain a good balance."

"For example, while giving the Fourth Raikage a perpetual loan, also give Ōnoki a perpetual loan!"

"There can be a sequence to lending. Those who increase their power through lending first, and then threaten others, should also increase the borrowing willingness of those threatened, thus facilitating new lending!"

"Yes, we'll need to try again to see how to increase other people's willingness to borrow."

Qingye just observed Konoha using the Kotoamatsukami Dōjutsu and did not find any target with a full loan intention value.

"Wait, right, System, I don't think I had this restriction when I borrowed from Yongjiu Loan before?" Qingye suddenly realized a blind spot. "Is it because I, as the host, don't need to consider the borrower's intention when borrowing from Yongjiu Loan?"

[The host's willingness to borrow has consistently been 100%.]

66

Second"

Qingye slowly typed out a question mark.

No, system, what do you mean by this?

Based on the targets previously identified through Dōjutsu, the areas with the highest willingness to lend money in Konoha mainly come from two regions:

One is the Hyuga Clan.

The other is Konoha Prison.

But whether it was the Hyuga Branch Family or the prisoners who were permanently detained, Qingye didn't see anyone whose willingness to borrow money reached 100%!

But now I find that my borrowing intentions are always full?

Am I really that crazy?

"Wait! It seems, it appears, that I really am like that—"

Qingye gradually came to her senses.

Based on my previous speculation, the willingness to borrow is determined by a person's comprehensive psychological desire for power.

What was my state before I obtained the system?

Ta-ta-kai, a self-drawn Ta-ta-kai!

If you're not going to die from this, then go all out and do it!

Knowing that he lacked talent, he didn't care about the dangers of the mission and pinned his hopes on advancing his Sharingan in a life-or-death battle!

Even after that, when he was targeted by Uchiha Madara, he did not back down because the other party was Uchiha Madara, but instead turned around and plotted against Uchiha Madara!

So, you see—

Qingye's lips twitched, and in his eyes seemed to be a progress bar that had reached its maximum. "Actually, I've always been a Uchiha?"

Because they understand the immense power ceiling of this Shinobi World, how powerless ordinary ninjas are before Six Paths level experts, and how utterly despairing the Bloodline Theory of this Shinobi World truly is.

Therefore, ever since I awakened to my past life memories at the age of three, I have been aware of this, and my desire to borrow money has been maximized!

After figuring it out, Qingye didn't pay much attention to it.

Let it be.

If you don't act crazy, you're not Uchiha!

At most, different Uchiha have different methods of inversion!

"Well, next, on one hand, I need to determine what Ninjutsu I can borrow and learn, and on the other hand, I need to try to increase other people's willingness to borrow and find suitable borrowing targets."

Just then, a voice suddenly reached my ears.

"Uchiha Aoya, Uchiha Aoya ----"

Consciousness followed the call and entered that strange space.