Black-Hearted Peace Bank

"Yama Loan?!"

The young cultivator grew uneasy at that tone and asked apprehensively, "Brother Zhang, why are the first two called Clearwind and Everpeace? They sound rather elegant. But this last one—its name is so terrifying..."

The blue-robed cultivator shook out the hem of his robe, clasped his hands behind his back, and looked up at the mist-shrouded Lan Yin Mountain with a scoff. "Yama Loan wasn't a name coined by Peace Bank itself."

"The bank originally called it Heaven-Piercing Loan, meaning that by borrowing this merit, one could gain heaven-piercing power and cross the Death Seclusion before them."

"But that name is only used by people within the bank. Outside, who doesn't call it Yama Loan?"

The young cultivator grew even more alarmed and hurriedly asked, "Why?"

The blue-robed cultivator sneered. "Because the interest on Yama Loan... is calculated three times a day."

"What?!"

Before the young cultivator could cry out, the blue-robed cultivator continued, "Once in the morning, once at noon, and once again at night."

"If you borrow ten gui today, you'll have to repay thirteen tomorrow, seventeen the day after. Before ten days have passed, the principal and interest will have multiplied several times over. And the Yama Loan term is extremely short—one month at most. Once that month is up, if you can't produce the merit to repay it..."

At this point.

The young cultivator sucked in a breath and staggered back two steps.

"With such outrageous interest and such harsh rules, does anyone really borrow it?"

The blue-robed cultivator's smile faded, and his gaze turned distant. "Why wouldn't they? Everyone says cultivation is bitter, but when life and death hang in the balance, or when you encounter a once-in-a-thousand-years opportunity and are just one breath short, who can resist the temptation of reaching heaven?"