Chapter Summaries

Mu Shuang promoted the Langhuan Jade Pavilion’s high-interest fixed-term deposits with lavish gifts, drawing a rush of Cultivators and prompting customers to withdraw their money from rival money houses. The chapter ended with Wang Defu threatening Shopkeeper Zhou after the shopkeeper delayed returning his deposit.

• Merchants were tempted by the Langhuan Jade Pavilion’s generous deposit rates, while money-house proprietors suspected it might be planning to run off with the deposits.
• Ye Changhai argued that the Langya Merchant Association’s reputation and scale made a grab-and-run scheme unlikely, and Su Mo questioned his admiration for its young master.
• Mu Shuang unveiled a cauldron full of pills and offered increasingly valuable gifts, including Langhuan Treasure Pendants, to customers who made large, long-term deposits.
• Cultivators rushed to deposit their Spirit Stones, and one man ran off to withdraw his savings from Dongmo Money House and move them to the Langhuan Jade Pavilion.
• Wang Defu demanded his one thousand Spirit Stones from Shopkeeper Zhou, who said fees left seven hundred and fifty and threatened to withhold the money; Wang grabbed him by the collar and demanded payment.

Wang Mu’s Langhuan Jade Pavilion deposit promotion triggered a mass rush to withdraw money from rival banks, which could not pay everyone at once. Taishutong warned the Three Great Merchant Associations that Wang Mu’s fixed-term deposits might let the Langya Merchant Association build enough wealth to challenge them directly.

• Shopkeeper Zhou tried to stop a crowd from withdrawing their deposits, but the cultivators stormed his bank, beat him, and wrecked the entrance.
• Su Mo received an urgent report as several other banks faced similar runs from customers eager to move their money to Langhuan Jade Pavilion.
• Tang Qian blamed Wang Mu for provoking the crisis, while the merchant association executives debated whether to wait for his scheme to fail.
• Taishutong argued that Wang Mu intended to use fixed-term deposits to build a vast financial reserve for the Langya Merchant Association.
• Taishutong warned that if Langhuan Jade Pavilion expanded across the Northern Region, it could gather enough wealth to threaten the Three Great Merchant Associations.

Wang Mu completed his Golden Core cultivation and ordered the expansion of his banks, the Ascension Convention, and the Foundation. As the Three Great Merchant Associations tried to imitate his banking model, he dismissed their efforts and decided to start a lottery.

• Taishutong urged the Three Great Merchant Associations to copy Langhuan Jade Pavilion's banking benefits to keep customers from withdrawing their Spirit Stones, though the leaders hesitated over the costs.
• Wang Mu reached the Ninth Revolution of the Golden Core Realm and advanced his physical cultivation to the late Third Order.
• Wang Mu told Nie Tingting to expand the banks across major cities and grow the Ascension Convention and Foundation using bank funds.
• Nie Tingting reported that the Three Great Merchant Associations were copying their banking system, and Wang Mu said they should focus on expanding and signing cooperation agreements before mobile payments launched.
• Nie Tingting relayed Mu Shuang's request for ways the banks could earn profits, and Wang Mu proposed starting a lottery.

Wang Mu planned to build the funds and mobile-payment infrastructure needed to launch Langya Mall and survive a price war with the Three Great Merchant Associations. Meanwhile, Mu Shuang rapidly expanded Langhuan Jade Pavilion’s branches and attracted huge deposits, including a five-hundred-year deposit from Azure Roaming Immortal Palace.

• Wang Mu reviewed his plans for Communication Talismans, online services, banking, and Langya Mall, and decided the marketplace could not launch until he had built enough funds to withstand a money-burning war.
• Wang Mu identified mobile payments as the centerpiece of his preparations and listed paid reading, films and shows, games, and livestreaming as services they could enable.
• Mu Shuang read Nie Tingting’s message about a lottery, praised Wang Mu’s idea, and resolved to expand Langhuan Jade Pavilion’s bank branches.
• Langhuan Jade Pavilion opened more than twenty branches in each of three major immortal cities and at least four or five in nearby smaller cities, drawing wealth and large deposits from cultivators and powerful organizations.
• The Great Elder of Azure Roaming Immortal Palace deposited five hundred million Low-Grade Spirit Stones for five hundred years at a four-percent interest rate, and Mu Shuang celebrated the new deposit.

Mu Shuang’s Langhuan Jade Pavilion drew more depositors as the Forum explained how the association could profit by investing their fixed-term deposits. The Three Great Merchant Associations copied its interest-bearing model, and Mu Shuang decided Langhuan Jade Pavilion was ready for its next move.

• Wealthy customers deposited hundreds of millions of Spirit Stones in Langhuan Jade Pavilion for long terms.
• A popular Langya Forum post argued that the association could earn far more by using depositors’ principal than it paid in interest, prompting more Cultivators to open accounts.
• The Three Great Merchant Associations reopened their banks and began offering interest and gifts, but their damaged reputation limited their success in Lixiao Immortal City.
• A subordinate told Mu Shuang that Langhuan Jade Pavilion had at least one branch in every major Northern Region city, and Mu Shuang said it was time.

Langhuan Jade Pavilion launched the Zhu Dao Lottery, drawing desperate cultivators and hopeful gamblers toward its enormous prize. Su Yao rushed to try to win medicine for Li Hanqiu, while Song Shuhang and Lin Yan also saw the lottery advertisement, and the Northern Region’s branches soon filled with customers.

• Langhuan Jade Pavilion announced the Zhu Dao Lottery, offering a grand prize of up to eighty-eight million Spirit Stones for tickets costing ten Spirit Crystals.
• Li Hanqiu told Su Yao that she needed costly Pure Void Grass to recover from her injuries, and Su Yao blamed herself for their sect’s losses.
• Su Yao saw the lottery advertisement, resolved to buy tickets for a chance to save Li Hanqiu, and flew off despite her Senior Sister’s protest.
• After Liu Ruyan rejected Song Shuhang for Long Aotian, Song Shuhang noticed the lottery advertisement on his Communication Talisman.
• Lin Yan saw the lottery notice and found exactly ten Spirit Crystals, enough to buy one ticket, while Langhuan Jade Pavilion branches across the Northern Region filled with customers.

The Three Great Merchant Associations planned to copy the Zhu Dao Lottery with rigged drawings and threats against genuine winners, while Lin Yan joined the crowd for Langya Merchant Association’s first live drawing. After the first three winning symbols matched his ticket, Lin Yan was left stunned by his apparent luck.

• Tang Qian and Taishutong assessed the Zhu Dao Lottery’s immense profits and Langya Merchant Association’s reputation, which had persuaded people to buy tickets.
• Taishutong proposed a simpler lottery, and Tang Qian suggested rigging the results with their own winners and silencing outsiders who won.
• Lin Yan arrived at a Langhuan Jade Pavilion with his last ten Spirit Crystals invested in one ticket and told Dan Xuan he trusted Wang Mu’s efforts to change the Cultivation World.
• Langya Merchant Association began broadcasting its drawing, and the first winning symbol, Earth Dog, matched Lin Yan’s ticket.
• The second and third balls revealed Earth Loss and Earth Prisoner, which also matched Lin Yan’s ticket and left him staring in disbelief.

The lottery draw produced many winners, including Su Yao, who won enough Spirit Stones to treat her injured senior sister, and a neglected Yan Family youth who claimed a major prize. A Black Robe-clad youth then revealed an even brighter winning ticket, prompting Langhuan Jade Pavilion’s shopkeeper to call for a guard as Nascent Soul Realm experts surrounded him.

• The lottery results were revealed, and winning tickets across the crowd shone according to how many celestial signs they matched.
• A scruffy old beggar won dozens of Spirit Stones, while Su Yao won over a thousand and planned to buy medicine for her injured senior sister.
• A neglected youth born to a Yan Family concubine won a Third Prize worth several thousand Spirit Stones.
• A Black Robe-clad youth’s ticket cast a snowy-white beam of light that stunned the crowd and sparked rumors of the eighty-million-Spirit-Stone First Prize.
• Shopkeeper Mo called the Pavilion’s guards, and several Nascent Soul Realm experts appeared and surrounded the Black Robe-clad youth.

Lin Yan was surrounded after winning the Langhuan Jade Pavilion’s lottery, but Shopkeeper Mo assured him the Langya Merchant Association would protect its prize winners. Lin Yan chose to leave with a powerful Great Void Record talisman, and Dan Xuan confirmed it held no hidden trap.

• Lin Yan prepared to fight the surrounding Nascent Soul Venerables and silently asked Dan Xuan to help him escape if necessary.
• Shopkeeper Mo recognized Lin Yan, confirmed his lottery prize of 88,880,000 Spirit Stones, and declared that the Langya Merchant Association would protect its guests.
• Shopkeeper Mo offered the prize winners shelter or Spatial Teleportation Talismans, and most chose to stay while a few departed.
• Lin Yan chose to leave and received a Great Void Record talisman capable of transporting him ten thousand miles.
• Dan Xuan examined the Great Void Record and told Lin Yan it was genuine and had no hidden measures.

Lin Yan won the Zhu Dao Lottery’s grand prize and escaped pursuing cultivators with the Great Void Record, while the Langya Merchant Association’s generosity won public praise. Online, Tang Qian read a heated argument about whether the lottery was genuine and grew furious.

• Shopkeeper Mo explained that Wang Mu had arranged the Great Void Record to help lottery winners escape safely, and Lin Yan asked him to convey his thanks.
• As cultivators closed in on Lin Yan to seize his winnings, Lin Yan activated the Great Void Record and vanished beyond the reach of their Divine Senses.
• The Langya Merchant Association announced the lottery results and related updates on the Langya Forum, where the results post drew billions of comments.
• Forum users celebrated the lottery and discussed Lin Yan’s enormous win, while one commenter accused the Langya Merchant Association of faking the giveaway.
• The commenter traded insults with defenders of the association, and Tang Qian stared furiously at the argument on his Communication Talisman.

Tang Qian tried to discredit Lin Yan and the Zhu Dao Lottery on the Forum, but readers mocked him and praised Wang Mu after learning about Lin Yan’s past. Meanwhile, winners discussed how the Langya Merchant Association had protected them, leaving the lottery’s reputation stronger than before.

• Tang Qian angrily replied to Forum users who insulted him, but the Forum blocked his abusive comments and warned that his account could be banned.
• Tang Qian opened a trending post detailing Lin Yan’s feud with Wang Mu, in which Lin Yan’s Dao Companion pursued Wang Mu and Lin Yan was crippled and demoted after attacking him.
• Forum users praised Wang Mu’s restraint and dismissed Tang Qian’s claim that Lin Yan’s lottery win had been arranged by the Langya Merchant Association.
• Tang Qian closed the Forum and messaged his sister on Xianliao to say someone had cursed him.
• Other Forum users reported that the Langya Merchant Association had arranged expert protection and teleportation talismans for lottery winners.

Wang Mu considered the benefits of Lin Yan’s lottery win, then checked on the online banking system and asked Su Hongyuan to develop a detailed navigation system for Communication Talismans. The project would begin with usable maps and expand toward covering the Five Regions, with detailed city information supporting Langya Mall.

• Wang Mu accepted that Lin Yan’s lottery win would accelerate Lin Yan’s cultivation and benefit him in return.
• Su Hongyuan told Wang Mu that the online banking system’s framework was complete and its first batch could enter testing within days.
• Wang Mu asked Su Hongyuan to build a navigation system integrated into Communication Talismans, with routes and precise location information.
• Wang Mu explained that the system should be expandable until it covered the Five Regions and integrated with services such as Langya Mall.
• Wang Mu told Su Hongyuan to map every shop, its hours and function, and every Cave Mansion, and assigned Tingting to help recruit surveyors for the Langya Mall Project Team.

Lottery sales at the Langhuan Jade Pavilion surged as more people learned that buyers could win, while the Three Great Merchant Associations launched a competing lottery. Old Six and Baleful Five bought tickets before joining a Shadow Sect ambush against Ouyang Qingxuan, which Wang Mu interrupted, leaving him to challenge the sect to seek revenge at the Northern Darkness Sacred Ground.

• A cultivator heard that Mu Qing had won more than six hundred Spirit Stones from a lottery ticket, but after waiting for hours at the crowded Langhuan Jade Pavilion, he failed to buy one.
• The Three Great Merchant Associations began selling Wanfu Lottery tickets outside Dongmo Money House, and Old Six bought several despite Baleful Five's objections.
• Baleful Five and Old Six joined the Shadow Sect assassins in a gorge, where they prepared a killing formation for Ouyang Qingxuan.
• Ouyang Qingxuan was trapped and badly wounded by eight Golden Core assassins until Wang Mu broke the formation with three punches and obliterated the attackers, leaving Baleful Five alive.
• Wang Mu fed Ouyang Qingxuan a spirit pill, identified himself, and dared the Shadow Sect to come to the Northern Darkness Sacred Ground for revenge.

Ye Mo rescued Ouyang Qingxuan from Shadow Sect assassins, explained his grudge against the Wang Family, and promised to help her sect against the Black Lotus Sect. He left her with a jade talisman and a lottery ticket, while she hoped its prize could help rebuild her sect.

• Ye Mo killed Baleful Five and brought Ouyang Qingxuan to a Cave Mansion to recover.
• Ye Mo told Ouyang Qingxuan that Wang Mu was responsible for the Langya Merchant Association's earlier pursuit of him, and said he would seek revenge when he was stronger.
• Ouyang Qingxuan explained that the Black Lotus Sect had repeatedly attacked her sect and that her Master, Shuiyue True Person, had been injured; Ye Mo promised to deal with the matter.
• Ye Mo gave Ouyang Qingxuan the assassins' Storage Bags, and she found a Wanfu Lottery ticket that she believed could win money from the Langya Merchant Association.
• Ye Mo left to report back to the Sacred Land, giving Ouyang Qingxuan a jade talisman for emergencies; she hoped the lottery prize could help rebuild her sect.

Mu Shuang learned that the Three Great Merchant Associations had rushed to launch their Wanfu Lottery with incomplete preparations and struggling ticket sales. Tang Qian and the others moved up the Lixiao Immortal City drawing, where five people won the first prize and the crowd was impressed by the apparent number of winners.

• Mu Shuang heard that the Three Great Merchant Associations had sold few tickets so far, launched lotteries at different times, and used separate drawing teams in each city.
• Tang Qian proposed holding the Lixiao Immortal City drawing early and increasing the number of winners, and Taishutong agreed.
• The Three Great Merchant Associations moved the Lixiao drawing forward by a day and held it on a crowded plaza.
• Su Mo conducted the drawing, and five ticket holders won the first prize of thirty million Spirit Stones.
• The crowd reacted with excitement as many more people appeared to have won smaller and medium prizes.

The Three Great Merchant Associations awarded five first-prize winners in Lixiao Immortal City, and the unusually high number of winners convinced crowds to rush out and buy Wanfu Lottery tickets. The news spread to Taihao Immortal City, where Zhong Yan set out to buy tickets despite Lou Huan’s suspicions.

• Su Mo distributed thirty million Spirit Stones to each of the five Wanfu Lottery first-prize winners as the crowd watched enviously.
• Han Feng and Zhao Tong hurried to buy tickets for the next drawing, and crowds across Lixiao Immortal City followed them to the Three Great Merchant Associations’ money houses.
• Cultivators who faced long queues asked friends in other cities to buy Wanfu Lottery tickets for them, while the Three Great Merchant Associations’ executives watched with satisfaction.
• After news of the high winning rate spread to Taihao Immortal City, Zhong Yan invited Lou Huan to buy tickets, but Lou Huan doubted the Three Great Merchant Associations had changed.
• Zhong Yan left to buy tickets on his own, and Lou Huan returned to cultivation.

Zhong Yan celebrated the Wanfu Lottery’s many winners while Lou Huan remained wary and chose Langhuan Jade Pavilion’s lottery instead. In a smaller city, Wanfu Lottery employees secretly selected an unwon combination as the winning result, while Ouyang Qingxuan realized she had bought their ticket instead of a Langhuan Jade Pavilion ticket and could not collect interest from them for Brother Ye.

• Zhong Yan told Lou Huan he had won small prizes in the Wanfu Lottery and planned to buy at least a hundred tickets next time, but Lou Huan refused to join him and said he preferred Langhuan Jade Pavilion’s lottery.
• At the local Wanfu Lottery headquarters, the manager ordered employees to record every ticket sold and choose an unwon combination as the winning numbers.
• Zhang Ze left to meet his wife, and a gust of wind and his colleague’s rearrangement of the papers disrupted the stacks of ticket data being checked.
• The manager’s staff finished reviewing the tickets, chose a combination no one had bought, and confirmed that it would bring no prize payouts.
• Ouyang Qingxuan learned that her ticket was for the Wanfu Lottery rather than Langhuan Jade Pavilion’s Zhu Dao Lottery and abandoned her plan to make money from them for Brother Ye.

Ouyang Qingxuan discovered that the lottery ticket she had taken from a Shadow Sect assassin had won the First prize, worth thirty million Spirit Stones. After the lottery officials verified it and paid her, she left the city while the steward secretly set people after her.

• Ouyang Qingxuan followed the crowd to Wanfu Lottery's drawing and found that every number on her ticket matched.
• Ouyang Qingxuan claimed the First prize, surprising the steward, who believed the winning numbers had been chosen so no outsider could win.
• The steward arranged to have Ouyang Qingxuan's ticket inspected, and the treasure mirror confirmed its authentic anti-counterfeit Rune.
• The steward paid Ouyang Qingxuan her share of the Spirit Stones, and she left the city as he watched with a murderous expression.

After Ouyang Qingxuan won a fortune, she was ambushed by Golden Core cultivators from the Three Great Merchant Associations. She escaped with the help of Ye Mo’s jade talisman, but the attackers decided to pursue her before she could reveal their crime.

• Ouyang Qingxuan disguised herself with her Master's treasure mask, shook off her pursuers, and left the city with her winnings.
• Five Golden Core cultivators trapped Ouyang Qingxuan in an array and revealed they were from the Three Great Merchant Associations, demanding her money and threatening to erase her memories.
• Ouyang Qingxuan refused to surrender and fought the five attackers, but her injuries worsened as they overwhelmed her.
• Ouyang Qingxuan shattered Ye Mo’s jade talisman, summoning a figure whose strike destroyed the array and killed two attackers.
• Ouyang Qingxuan used another talisman to flee, while the surviving attackers recognized the Heavenly Emperor Seal and agreed to chase her.

Wang Mu discovered that the Three Great Merchant Associations' Wanfu Lottery had a loophole: covering every possible combination would cost far less than the grand prize. After he posted the calculation on the Forum, Lou Huan and Zhong Yan prepared to borrow heavily to exploit it.

• Mu Shuang reported that Langhuan Jade Pavilion was losing lottery buyers, and Wang Mu told Nie Tingting to post an explanation of the Wanfu Lottery's odds.
• Wang Mu calculated that the lottery had 2,598,960 possible combinations and explained that buying them all would guarantee the thirty-million grand prize for roughly 260,000 Spirit Stones.
• Nie Tingting published Wang Mu's calculations on the Forum, prompting users to realize the Three Great Merchant Associations had made a costly mistake.
• Lou Huan told Zhong Yan he planned to borrow 260,000 Spirit Stones to buy every combination, and Zhong Yan agreed after reading the post.
• Zhong Yan proposed borrowing from an underground bank whose owners favored male Cultivators, while Lou Huan reacted with confusion.