39: Chapter 39 I have no money, but you can take my life.

Gu Han replied immediately, "Yes, brother, I have them. Exactly 100, ready to ship at any time."

The other party replied instantly, "Great, great! I've already communicated with the higher-ups. From now on, we can take up to a thousand of your goods daily! It's still the 10% discount we agreed on, is that okay with you?"

"No problem."

Gu Han readily agreed. He quickly entered his Divine Kingdom, packaged the one hundred newly matured White-Feathered Six-Winged Beasts, and proceeded as before.

After deducting the transaction fee, 190,000 credits safely arrived in his account.

With the other party's confirmation, Gu Han didn't delay and immediately used his remaining credits to purchase Reproduction-age Female Six-Winged Beasts.

A total of two hundred Female Six-Winged Beasts instantly packed the Reproduction area.

Gu Han drove all the Six-Winged Chickens out of the Reproduction area and handed them all over to the Ant-man Race to raise, only needing to arrange regular Reproduction packages for the Six-Winged Chickens.

He planned to divide his Divine Kingdom into two parts.

Gu Han drew a boundary, setting aside a small portion as an absolutely safe Reproduction area dedicated to cultivating White-Feathered Six-Winged Beasts, with the Iron Vine Snake Banyan forming a barrier zone around the perimeter.

Afterward, he moved the Ant-man Race's habitat to the outer edge of the Reproduction area, stationing them there to patrol day and night to ensure his cash cow was perfectly safe.

As for the remaining larger area, Gu Han planned to completely change his approach; he wanted to transform his Divine Kingdom into a brutal Asura arena.

However, the remaining hundred thousand or so credits were nowhere near enough to modify the terrain.

Gu Han stroked his chin, took out another 100,000-year spirit-enlightening flower from his Divine Kingdom, and skillfully opened the "Qiankun Large Loan" app to upload the collateral.

Half a minute later, the application was approved. However, the app's valuation was more conservative this time, only granting a limit of two million credits.

Gu Han didn't dwell on it and clicked to withdraw the funds immediately. His account balance filled up once again.

He opened the terrain card section of the trading platform and went on a wild shopping spree.

"C-grade Snow Environment Card, 400,000."

"C-grade Miniature Desert Card, 450,000."

"C-grade Active Volcano Leyline, 600,000."

"C-grade Deep Saltwater Lake Card, 550,000."

In the blink of an eye, the two million credits were completely spent. Gu Han used all four terrain cards, which transformed into four beams of light and shot into his Divine Kingdom.

The land of the Divine Kingdom began to tremble violently.

In the distance, a volcano spewing black smoke rose from the ground, sending rolling heatwaves sweeping across the land, while the surrounding area was filled with swirling yellow sand, turning into a desolate wasteland.

Large tracts of land at the edge of the Divine Kingdom collapsed, connecting to the rivers on the outskirts of the land. The deep saltwater lake formed a small ocean, glaciers stretched out continuously, and snowy plains formed near the shore.

The four distinctly different miniature terrains caused the climate within the Divine Kingdom to change instantly. Hot and cold air currents collided, and fierce winds began to howl in some areas.

The Ant-men, who had originally adapted to the plains climate, appeared somewhat flustered by the sudden climate shift and retreated back into their underground nests one after another.

Looking at it this way, the 700,000-square-meter Divine Kingdom was truly small. The five terrains were barely squeezed together, but at least it had begun to take shape.

Gu Han let out a long breath. Looking down at his drastically changed Divine Kingdom, he handed down a brand-new divine oracle to the Ant-man Race.

"Ant-man Race, a new era has begun."

"From this day forth, the tribe shall practice survival of the fittest! Only the strong shall hold the right to reproduce!"

"The world is changing, and the landscape is being reshaped. Step out of your nests, conquer the desperate straits, and trample over every obstacle in your path!"

The vast divine will, like heavenly thunder striking the earth, descended precisely into the consciousness of every single Ant-man underground.

The Ant-man Race, which had just been anxious and uneasy due to the drastic terrain shifts and extreme weather, froze completely at this moment.

In the next second, the entire underground nest erupted in a frenzy!

Densely packed Ant-men prostrated themselves and kowtowed. In their pitch-black compound eyes, all panic receded, replaced by an extreme fanaticism.

Over ninety percent of the Ant-man population was female, none of whom could reproduce under the suppression of the Ant Queen. As long as they became strong members of the tribe, they could enjoy the right to reproduce and could even become a new Ant Queen.

All living creatures have the desire to reproduce, and worker ants and soldier ants were no exception. With the help of Gu Han's skills, they would definitely be able to give birth.

Under the intervention of the Divine Lord, the advantages that individual differences could bring in combat or survival would be passed down as superior genes, making the species' evolution accelerated and controllable.

He planned to buy various ferocious creatures that fed on ants and throw them in later. As long as he avoided species that were naturally hostile to each other, he could maintain a high-pressure ecological cycle targeted at the Ant-men.

Only under the pressure of life and death would this group of Ant-men be rapidly filtered and selected.

However, his money was all spent now. He could only wait for the one thousand White-Feathered Six-Winged Beasts to mature tomorrow, which would bring in over 1.7 million credits in revenue—and it would be like this every day.

His family's debts, his own loans, and the development of his Divine Kingdom would all have stable financial support.

Just as Gu Han was about to log out of his Divine Kingdom to rest, his handheld console suddenly vibrated wildly, and a bright red warning prompt popped up.

It was an in-app message from the "Fangxin Loan" software.

"Dear user, due to a system malfunction in our company, there was a serious misjudgment of your Divine Kingdom's prosperity level and repayment ability yesterday. You are now required to immediately return the full loan amount (2,000,000 credits). If you cannot settle it in a lump sum, please sign the following supplementary agreement, and our company will process an extension for you."

Gu Han frowned and tapped open the supplementary agreement.

With just one glance, a layer of cold sweat broke out on his back.

The originally promised one-month interest-free period was directly voided. The new interest calculation method was: an annual interest rate of 5%, increasing by 1% every month, with no upper limit!

This was no normal loan; this was a flat-out usury trap! Once he signed it, under the compounding interest, it wouldn't take more than a few years before he lost both himself and his Divine Kingdom.

These people specifically targeted students who had just awakened. With the Divine Kingdom Core as leverage, they could easily control the borrower. Wasn't this just bullying honest people?

At the very bottom of the message, there was another line of bold red text.

"If you do not return the outstanding amount within one hour, or if you refuse to sign this agreement, our company will initiate enforcement procedures and conduct an armed crusade against your Divine Kingdom until you compromise. Any losses caused to your Divine Kingdom during this period will be borne solely by you."

An armed crusade?

Gu Han was stunned for a moment, then almost burst out laughing.

What did a Divine Lord fear most? It was having their Divine Kingdom's coordinates exposed, being invaded by external forces, having their ecology destroyed, or even having their Core demolished. The loan company was targeting this exact weakness to force borrowers to submit.

But was Gu Han afraid? He was just worrying about not being able to find suitable opponents to train the Ant-men. Buying creatures himself cost money, so wasn't this free sparring partner just delivering themselves to his doorstep?

Gu Han typed a line of text directly into the reply box.

"I'm not signing. If you want money, I have none; if you want my life, take it."

He clicked send.

In less than ten seconds, the other party replied: "Our company is about to implement crusade measures against your Divine Kingdom until you return the funds or sign the terms. Any losses caused to your Divine Kingdom during this period will be borne by you."

...

Meanwhile, in the city center of Jiangcheng City, on a high floor of an office tower.

In a cubicle, an employee dressed in a suit looked at the reply on his computer screen, slammed his desk, and sneered.

"Another one who doesn't know the height of the heavens!"

He turned to complain to his colleague in the neighboring cubicle, "Why are all these people the same nowadays? They won't shed a tear until they see the coffin, and they won't behave until they get beaten up. This is really hurting my performance targets today."

As he spoke, he clicked a few buttons in the system, packaged the two-million-credit order, and sent it to his colleague opposite him. "Same old rules, help me connect this to the debt collection outsourcing."

The colleague smiled and glanced over the transmitted information.

"A Divine Kingdom with only a C-grade evaluation awakened a Core? He doesn't even have a decent intelligent race." The colleague exhaled a smoke ring disdainfully. "These kinds of poor bastards are the most troublesome; you can't squeeze much oil out of them. Alright, I'll find someone to give him a beating and mess up his Divine Kingdom. He'll definitely sign the papers obediently."