Spirit Coins

Biodata

Origins

By the three hundred thousandth year of the Immortal Palace, Spirit Stone veins had largely been exhausted and Spiritual Qi was becoming thinner. The authorities created Spirit Coins to replace Spirit Stones in everyday circulation among the general population 1.

Spirit Stones retained their value as resources that could be used directly for cultivation. Although they could still be traded, holders generally preferred to keep them rather than exchange them for currency 1.

Forms and Transactions

• Physical coins: Chen Fan pays at Handong University’s testing facility while holding two crystal coins engraved with spirit patterns. The payment totals twenty Spirit Coins 9.
• Campus card balances: Cultivation loans can be deposited directly into a student’s campus card account 5 6.
• Registered accounts: Chen Fan’s official Spirit Coins account is linked to his Jingfu University student registration and used during identity-verified borrowing 43.
• Electronic transfers: Loan repayments can be transferred into a platform’s dedicated repayment account 43.

Value and Purchasing Power

Spirit Stone Exchange Values

Documented Prices and Financial Benchmarks

Role in Cultivation

Purchasing Resources

• Spirit Coins buy auxiliary potions, including Spiritual Qi supplements and enhancers. Qing Song presents access to these products as a way for students with implanted Spirit Roots to accelerate their progress 5.
• Chen Fan allocates 500,000 Spirit Coins to a continuing supply of Qi Refining resources, requesting body-tempering, Qi Gathering, and turbidity-cleansing potions 6.
• He favors frequent, smaller purchases to maintain turnover. Qing Song notes that this also reduces the chance of major black-market suppliers noticing him and raising prices 6.
• For early-stage cultivation, Spirit Coins are more convenient than high-grade Spirit Stones because they purchase suitable supplies, particularly potions. The text identifies potions as more efficient for Chen Fan’s needs at that stage 42.

Cultivation Loans

• Student financing: Chen Fan receives a 20,000-Spirit-Coin student loan after qualifying for higher education 1.
• Standard promotion: Qing Song advertises a lending channel with zero interest for the first month 5.
• Chen Fan’s preferential terms: Qing Song secures six months of zero interest, no hidden charges, and a repayment period suited to freshman cultivation. His credit limit can rise as his cultivation improves 5.
• Loan commissions: Qing Song earns Spirit Coins through resource promotions and loan referrals, using legitimate channels to fund his own cultivation 5.

Major Story Events

Chen Fan’s Market Trading

Chen Fan receives an initial campus-card loan balance of 1,000 Spirit Coins, then borrows through additional platforms until his balance reaches 10,000. Through contrarian trades involving Spiritual Power Batteries, Spirit Gathering Formation Components, Flying Sword Rentals, and Spirit Rice Futures, his total assets reach one million Spirit Coins 6.

He subsequently reduces his exposure to speculation and commits half that amount to cultivation potions, prioritizing a dependable resource supply over continued all-in trading 6.

The Testing Fee

• Chen Fan resents paying twenty Spirit Coins for one hour of mandatory testing and privately vows to seek a reduction to five per hour if he becomes a professor 9.
• After the results bring university recognition and valuable rewards, he acknowledges that the fee was worthwhile but still intends to file a report 13.
• He later jokes about the charge during his freshman representative address, prompting laughter and complaints from the audience 16.

Spirit Stone Laundering Plans

Chen Fan’s Eight Bushels of Wealth trait supplies high-grade Spirit Stones rather than Spirit Coins. After accumulating one million stones, he hesitates to spend them because large transfers must be registered and their source traced 10 39.

He later plans to siphon one million Spirit Coins from an illegal lender and route the funds through underground accounts, mixing in his own Spirit Stones to legitimize their origin. This remains a proposed scheme in the supplied events 42.

Treasure-Gathering Spirit Loans

The platform’s seven-day loan terms include fifty-percent interest, a ten-percent daily overdue penalty, and additional collection charges. These terms violate the Immortal Palace’s financial prohibitions 43.