147: Chapter 147 Sudden Increase in Assets, Designing a Home Office

Li Jiayi arrived in Dubai on the afternoon of the next day.

Chen Hu went to pick her up at the airport; Li Xin didn't go, he waited at home. When she walked in, she was carrying a laptop bag, wearing a white shirt, her hair loose, looking as if she had traveled a long way.

"Li Jiayi, you've worked hard," Li Xin said, taking her suitcase. "Want to rest for a bit?"

"No need." She changed her shoes, walked straight into the living room, placed the laptop bag on the coffee table, and asked, "You said you wanted to establish a family office; how exactly do you want to do it? Do you have a plan?"

Li Xin smiled, pulled a bottle of water from under the coffee table, and handed it to her.

She took it, unscrewed the cap, took a few sips, and leaned back on the sofa, looking at him.

"I have a sum of money on hand now," Li Xin said. "It's a significant amount, and I can't just let it sit there."

"How much?"

"A lot, anyway."

She glanced at him and didn't ask further. Having spent so much time with this person, she knew his temperament; she didn't ask about things she shouldn't.

"How do you plan to handle it?"

"I want to set up a family office to manage the money and handle wealth succession."

Li Jiayi was stunned for a moment, then nodded. "The idea is sound. I happened to research this recently."

"You've researched it?"

"I looked into it when I had some free time. The company's assets are quite substantial now, and I thought it might come in handy later. I didn't expect to use it so soon." She opened her laptop.

"There are two types of family offices: single-family offices and multi-family offices. In your situation, it's definitely a single-family office. You need a trust at the top, a capital platform in the middle, and SPVs at the bottom."

Li Xin smiled. "Inviting you here was the right decision."

"Of course it was." She smiled too.

The two talked for nearly two hours.

Li Jiayi took a whiteboard marker from her bag and walked over to the whiteboard in the living room to draw the organizational structure. It was pyramid-shaped, and she wrote a line of text at the very top.

"Ziweihong Family Trust."

"Based in Singapore, permanent and irrevocable, fully discretionary." She tapped the whiteboard with her pen.

"The assets under the trust don't belong to you personally; they belong to the trust. Even if someone sues you, they can't touch this money. You are the sole asset protector and the lifetime primary beneficiary, and you have final approval on all decisions."

Li Xin nodded. "Go on."

She wrote as she spoke.

"Under the trust, there are two offshore entities: Xinyuan Capital International Group and Xinghong Global Holding Group."

"Xinyuan manages financial liquid assets, including global secondary markets, US stock holdings, private equity, foreign exchange, and derivatives."

"Xinghong manages physical value-preservation assets, such as real estate, gold and silver, rare metals, and energy minerals. Both sides operate independently and do not interfere with each other."

"Further down, we will acquire or establish three private banks: Honghuang Wealth Bank (Bahamas), Universe Asset Management Bank (Switzerland), and Yansheng International Bank (Singapore). The trust will hold 100% of the shares."

"The one in the Bahamas will serve as a top-secret vault to store the main base assets, with internal traceless transfers and a refusal of cross-border judicial assistance."

"Switzerland will serve as a neutral risk-aversion reserve, with Swiss Franc and Euro allocations plus physical gold custody."

"Singapore will serve as the sole compliant external window, connecting to brokers like Interactive Brokers and Charles Schwab, and handling formal CRS reporting."

"The three banks will use their own internal clearing system, bypassing public systems. When money moves between these three, no one will be able to trace the source."

Li Xin smiled. "That's a bold move."

"If your budget is big enough, I dare to do big things." She smiled as well.

She then drew the bottom layer. Cayman and BVI SPVs were written all over the board.

"BVI equity holding shells, with a fixed prefix 'Jingheng', are only used for equity nesting layer isolation; they don't open accounts or trade."

"Cayman investment SPVs, with a fixed prefix 'Chen', are dedicated to holding US stock and financial positions. Each asset category is set up separately so that risks don't spill over. If someone investigates, they can only find the BVI shell; anything further down is just a fog."

Li Xin looked at the four-tier structure on the whiteboard and nodded.

AI System remarked in his mind: "Boss, you're building a financial labyrinth here."

Li Xin ignored it.

Li Jiayi put down the pen, put her hands on her hips, and looked at the whiteboard, letting out a long breath. "I can't handle this structure alone. I need to find a professional team."

"I know," Li Xin said. "You're responsible for building the framework. Lawyers, accountants, trust managers—you go find them. Money is not an issue. You will coordinate the Ziweihong Family Office, which will serve as the internal operations hub and not conduct business externally."

She nodded. "Alright. I'll start making contacts tomorrow."

The next morning, the two met again in the villa's conference room.

Li Jiayi was even more prepared, bringing a stack of materials, all about trust structures and offshore companies. She had stayed up until 3 AM last night, checking everything she could.

When Li Xin entered the conference room, he saw the dark circles under her eyes and frowned. "Didn't you sleep last night?"

"I did, but it wasn't restful." She pushed a cup of coffee toward him. "Sit down, let me tell you my thoughts."

Li Xin sat down and picked up the coffee.

She opened her notebook. "There are a few key points in the Ziweihong structure that need to be finalized."

"Go ahead."

"First, who will be the trust protector? According to the law, there must be a protector to supervise the trustee. This person cannot be you, because you are the beneficiary."

Li Xin thought for a moment. "You be it."

She was stunned for a moment. "Me?"

"Yes. You are the person I trust the most." His tone was flat but serious. "You handle the trust matters."

She was silent for a few seconds, then nodded. "Okay. I'll take it."

"Second, the three private banks need actual capital injection, not just shells. How much do you plan to put in?"

Li Xin thought for a moment. "Five billion in each for now. We can add more if it's not enough."

Her hand paused, and she looked up at him.

Five billion. Fifteen billion for all three.

She didn't ask any more questions and lowered her head to make a note of it.

"Third, the number of SPVs. How many in Cayman and BVI each? Too many will increase management costs, too few won't hide things well enough."

"Twenty in Cayman, thirty in BVI. Let's set it at that for now and adjust later depending on the situation. For naming, follow what you said last night: use the 'Jingheng' prefix for BVI and the 'Chen' character for Cayman."

She nodded and continued taking notes.

"Fourth, the affiliation relationship. Xinyuan Capital will hold Singapore Yansheng Bank and all Cayman investment SPVs. Xinghong Holdings will hold Bahamas Honghuang, Switzerland Universe, and all BVI holding shells. The financial and physical lines will be completely separated."

"Correct," Li Xin said. "Additionally, the underlying personnel only do the work and don't know the scale of the funds. Middle management only knows their sector and doesn't know the full picture. External partners only handle business and don't see the top-level ultimate controller. Only I know the full picture."

She wrote "Permission Hierarchy Isolation" in her notebook.

"I've also organized the fund flow. Major funds are stored in the Bahamas and don't move; transaction flows go through Singapore; risk aversion and value preservation are placed in Switzerland. Transfers within the three banks use the internal network and leave no external transaction traces."

The two talked for nearly another hour, going over every detail of the architecture.

Finally, she closed her notebook. "I have a rough idea of the architecture now. Next is finding people, registration, and capital injection. It will take at least three months."

"No rush," Li Xin said, leaning back in his chair. "Just make sure it's solid. Don't forget the tax and CRS layout."

"Singapore trusts follow the foreign trust tax exemption policy; the Bahamas and Switzerland operate with local low reporting requirements to compress the scope of information exchange. Only Singapore Yansheng Bank will handle formal CRS reporting, serving as the only public-facing exit for the entire structure."

Her eyes lit up. "You thought about this more carefully than I did. What about the emergency contingency plan?"

"The entire system is pre-set with a one-key internal asset transfer channel. In extreme conditions, assets can be quickly shifted within the three proprietary banks without passing through any external third-party financial institutions."

"Correct," Li Xin said. "Ready to avoid risks at any time, ready to hide at any time."

After discussing the architecture, Li Xin pulled a document from a folder and pushed it over.

"For you."

She looked down—'Employment Contract'. She opened the first page, saw the annual salary figure, and rubbed the paper with her fingers.

Three hundred million USD.

She looked up at him, her expression didn't change much, but something was moving in her eyes.

"This salary is probably the highest in the world right now." Her voice was a bit tight.

Li Xin smiled. "You are managing assets worth hundreds of billions, even trillions; it's not something a regular company can compare to. The entire Ziweihong system, the top-level trust, the two major groups, the three private banks, and the massive number of offshore SPVs—all need you to coordinate and operate."

She stared at the contract for a few seconds, pulled a pen from the pen holder, flipped to the last page, and signed her name.

She pushed the contract back and looked up at him. "Xinzi, don't worry. I'll only do this one thing for the rest of my life, helping you guard this business."

"I'm not asking you to just guard it," Li Xin said, rare in his seriousness. "I'm asking you to help me master this system. More assets will come in the future, and you need to be able to handle them."

She nodded. "Understood. Not just maintaining, but expanding."

"Exactly." Li Xin stood up and walked to the window, looking at the Dubai skyline. "Money is a tool, not the goal. What I want is influence."

She also stood up and walked to his side. "Then what are you planning to do next?"

Li Xin turned around. "Investment. Artificial intelligence, new energy, biotechnology. The trends of the next decade."

"Which ones specifically?"

"NVIDIA, Tesla, OpenAI, and a few early-stage biotech companies. I've researched them all; they have potential."

She wrote it down in her notebook. "Alright, I'll go back and make an investment plan and give it to you next week."

"No rush. Focus on the family office matters first."

She nodded and closed her notebook.

The two stood by the window, the sunlight streaming in from the floor-to-ceiling windows, bright and dazzling.

Li Jiayi suddenly spoke up. "Xinzi, let me ask you something."

"Go ahead."

"Where exactly did this money come from?" She turned to look at him. "I'm not trying to pry into secrets; I just want to know if these things are clean."

Li Xin was silent for a few seconds, looking out the window.

"Don't worry, the source is legitimate, and it's not illegal. I can't tell you exactly how it came about right now."

She stared at him for several seconds, then nodded. "Okay, I won't ask."

She picked up her laptop bag and turned to leave. When she reached the door, she stopped and looked back at him.

"Xinzi."

"Hmm?"

"Thank you for trusting me."

Li Xin smiled. "Don't you trust me too?"

She smiled, pushed the door open, and went out.

Li Xin stood alone in front of the window.

His phone vibrated. Li Jiayi sent a message: "Contract received. Starting work tomorrow. The entire Ziweihong system architecture will be built within three months."

He replied with one word: "Good."

He put his phone back in his pocket and opened the system panel.

Cumulative Gold: 1903.1057 tons.

Account Balance: 435 billion USD + 7.1 billion USD.

Looking at these numbers, he took a deep breath.

AI System spoke up: "Zhuzi, what now?"

The corners of Li Xin's mouth moved. "Rest for two days. Then get down to business."

He closed the panel, walked back to the sofa, sat down, and took a sip of the cold coffee.

The sunlight outside the window was very bright, and the sea breeze blew in from the balcony, carrying a salty, fishy smell.

He leaned back on the sofa and closed his eyes.

His mind was already thinking—when to enter positions in NVIDIA, whether there is still room for OpenAI's valuation, and how to build the internal clearing system for those three private banks.

The entire Ziweihong system architecture had only just begun.