198: Chapter 194 Demon Sea Bank
Time passed, and when Yang Hang was awakened by his Divided Soul from the Fate Platform again, it wasn't because the third day had arrived, or because the basic vegetable production task of the Farm Realm had been completed.
Instead, he was awakened by his Divided Soul from the Fate Platform on the evening of the second day.
Yang Hang woke up from a seclusion equivalent to five and a half days. A glimmer flashed in his eyes. After receiving the information transmitted by the Fate Platform, he understood the reason, and a look of astonishment appeared on his face.
...
Magic Sea Era, 25th Day, 00:01 AM.
A pinned announcement popped up in the Symphony Realm of the Fate Platform. Issuer: Revival Red Federation · Comprehensive Coordination Department.
Announcement Title —
[Announcement on the Official Establishment of the Revival Red Federation Magic Sea Commercial Bank]
Main Text:
[Following a unanimous vote by the Council of the Revival Red Federation, it is hereby announced: The Revival Society Magic Sea Commercial Bank (hereinafter referred to as "Magic Sea Bank") is officially established and open for business as of 23:59:59 on the 25th day of the Magic Sea Era.]
[1. Deposit Business Rules]
[1. Account Opening Method: Transfer any amount of karma points to the official account of Magic Sea Bank (Account: YG0532****25) through the transfer function of the Cause and Effect Fate Platform. This shall be deemed as opening an account and completing the first deposit.]
[2. Deposit Types: Demand Deposit — Withdraw anytime, interest settled weekly, weekly interest rate 0.5%. Time Deposit — Weekly interest rate 1.5%, minimum deposit term of three days; principal and interest can only be withdrawn after the three-day term expires.]
[3. Withdrawal Method: Send a "Withdraw + Amount" command to the official account of Magic Sea Bank via private message on the Fate Platform. The funds will arrive within ten minutes after verification by the official AI Customer Service of the Fate Platform.]
[4. Deposit Limit: No limit on individual single deposits, no limit on total deposits.]
[5. Security Guarantee: All deposits are jointly guaranteed by all members of the Council of the Revival Red Federation. In the event of an inability to pay, it will be paid off with priority from all public assets of the Revival Society.]
[2. Opening Special Event]
[To give back to the vast number of Yanhuang Survivors for their trust and support in the Revival Society, Magic Sea Bank has set up a special rebate event within three days of opening:]
[First 100,000 time deposit customers: 100% principal rebate within three days (i.e., deposit 100 karma points, and after three days, 200 karma points will be returned including principal and interest).]
[First 3,000,000 time deposit customers: 20% principal rebate within three days.]
[After the 3,000,000th time deposit customer: Interest calculated at the regular weekly rate of 1.5%.]
[First come, first served, based on the transfer timestamp.]
[We wish all Survivors financial prosperity and to build a prosperous Yanhuang Civilization together!]
[— Revival Red Federation · Comprehensive Coordination Department · Acting Director Liu Zhenghua (On behalf)]
---
Midnight.
The vast majority of Yanhuang Survivors had already fallen asleep. But there was never a shortage of night owls on the Fate Platform.
The first to see this announcement were the old hands who were used to staying up late to browse the Symphony Realm.
For the first thirty seconds after the announcement, the comment section was blank.
Then —
[President of the Night Owl Association (Yanhuang Civilization): ... Bank?????]
[Fish at 3 AM (Yanhuang Civilization): Am I reading this right? The Revival Society opened a bank????]
[Insomniac Player (Yanhuang Civilization): Brothers, am I dreaming? Someone pinch me?]
[sword of the sea (Yanhuang Civilization): Damn, as expected of a big organization, they can actually cooperate with the official AI Customer Service of the Fate Platform?]
As more night owls flooded into the post, the comment section began to boil.
[Old Smoker (Yanhuang Civilization): Putting aside everything else, these rules themselves are quite formal. Demand deposits can be withdrawn anytime, time deposits start from three days, and the weekly interest rate is 1.5%. Isn't this just the way banks worked before the Transmigration?]
[Aquatic Tycoon (Yanhuang Civilization): Wait, wait, wait, did you all see that last part? 100% rebate for the first 100,000 depositors??? Did I understand that correctly? Deposit one hundred and get two hundred after three days?]
[President of the Night Owl Association (Yanhuang Civilization): I saw it. I read it three times. Confirmed I didn't read it wrong.]
[Fish at 3 AM (Yanhuang Civilization): This... The Revival Society isn't sleeping in the middle of the night just to post this?]
The post's refresh speed accelerated sharply.
More and more Survivors, woken up by message notifications, flooded into the Symphony Realm.
[Salted Fish (Yanhuang Civilization): Can someone explain? Why did the Revival Society establish a bank in the middle of the night???]
[Iron Straight Man (Yanhuang Civilization): @Revival Society Official, is this serious? 100% rebate for the first 100,000, are you sure this isn't April Fool's Day?]
[Wind-Chasing Youth (Yanhuang Civilization): Never mind why! Have you calculated it! I currently have 188 karma points, if I deposit everything, it will be 376 points in three days! 376 points, brothers! That's enough for me to upgrade two pieces of Silver Grade equipment in the Enhancement Realm!]
This remark was like a spark falling into dry wood.
[Sea Chicken Farmer (Yanhuang Civilization): Damn, now that you've calculated it, I'm energized too! I have 320 points, doubling it is 640! 640 karma points! That's enough for me to buy a set of Bronze Grade armor and a Silver Grade weapon!]
[Little Noodle Shop Boss (Yanhuang Civilization): I only have 57 karma points... but doubling it is 114! 114 is enough for me to open my Spatial Backpack for two months!]
[Storm Eye (Yanhuang Civilization): No, no, no, everyone calm down. 100,000 people each deposit an average of 200 points, and the rebate doubles in three days. The Revival Society has to come up with 20 million karma points for interest. And that's just the first 100,000. 20% rebate for the first 3 million, assuming each person deposits an average of 100 points, that's another 60 million karma points in interest expenses! Where would the Revival Society get so much?]
A rare rational voice appeared.
But it was quickly drowned out.
[Hardcore Revival Fan (Yanhuang Civilization): Is the person above judging a gentleman's heart with a villain's measure? What kind of organization is the Revival Society? It's the official organization! An official organization with over 600,000 people! How many people did they help during the two Magic Sea Beast Tides? How well was the Yanhuang Top 1000 Conference organized? Gunpowder barrels, beast-repelling powder, which of these wasn't developed by the Revival Society? Since they dared to issue this announcement, they must have the confidence!]
[Justice Executor (Yanhuang Civilization): +1! The Revival Society has helped us so much, and now they are setting up a bank to provide benefits to everyone, and there are still people questioning it? Isn't that heartbreaking?]
[Scooping the Moon from the Sea (Yanhuang Civilization): Maybe the Revival Society found some channel to earn a large amount of karma points? They have plenty of resources as an official organization, and they urgently need a large amount of karma points to operate, so it's normal to absorb funds from us with high interest, right? Didn't banks before the Transmigration do the same thing?]
[Dont Panic Let Me Analyze (Yanhuang Civilization): I don't think we need to worry too much. Think about it, Article 5 of the Earth Star Civilization Trial Convention clearly states that behaviors that violate camp attributes will be marked with a red name. The Revival Society is the official organization of the Yanhuang Civilization. If they really committed fraud and harmed the Survivors of their own camp, wouldn't that be asking for a red name? The Revival Society couldn't possibly sacrifice the big for the small.]
This analysis post instantly received tens of thousands of likes.
It was well-reasoned and based on evidence.
Countless Survivors who were still hesitant had their last bit of worry dispelled after seeing this analysis.
[Dream Maker (Yanhuang Civilization): I understand the logic now, how do I deposit? Where is the account? Hurry, hurry, hurry!]
[Little Taro (Yanhuang Civilization): It's written in the announcement! Account: YG0532****25! Just use the transfer function of the Fate Platform to transfer it!]
[Dream Maker (Yanhuang Civilization): Received! Going all in!]
The tide came.
First come, first served.
The quota is limited, fast hands have it, slow hands don't!
Countless messages of "Already deposited," "Going all in," and "All in" flooded the Symphony Realm.
At the same time, one voice stood out particularly harshly in the torrent.
[Sober Person at Midnight (Yanhuang Civilization): Everyone. I am not questioning the Revival Society. But this model... how should I put it, does it look like a Ponzi scheme from before the Transmigration? Using the money of the people behind to pay the interest of the people in front?]
The comment section went quiet for two seconds.
Then —
[Justice Executor (Yanhuang Civilization): Another conspiracy theorist. Do you have any evidence? Don't spread alarmist talk here without evidence.]
[Hardcore Revival Fan (Yanhuang Civilization): Ponzi scheme? You compare the Revival Society to a scammer? What is your mentality?]
[Scooping the Moon from the Sea (Yanhuang Civilization): The person above is right, there is a convention to restrict it. The Revival Society harming its own people is equivalent to suicide. Don't apply those conspiracy theories from before the Transmigration to the Magic Sea.]
[Dont Panic Let Me Analyze (Yanhuang Civilization): I'll say a fair word. Even taking a step back, if the Revival Magic Sea Commercial Bank really has problems, it has the public assets of over 600,000 members to back it up. The announcement states joint guarantee. This is not empty talk; the Fate Platform records are all there. The Revival Society cannot possibly joke about such a large organization of its own; it's not worth it.]
The questioner was suppressed and remained silent.
The comment section returned to carnival.
[Wind-Chasing Youth (Yanhuang Civilization): Brothers, I've finished depositing! All 188 points are in! Screenshot as proof! See you in three days!]
[Sea Chicken Farmer (Yanhuang Civilization): I deposited too! 320! Waiting to double it!]
The news spread like ripples.
People who were asleep were woken up by private messages from companions, and those who woke up immediately took action after seeing the discussion in the Symphony Realm.
12:05 AM. The number of depositors exceeded 2,000.
12:09 AM. Exceeded 30,000.
12:10 AM. The quota for the first 100,000 was declared exhausted.
Countless Survivors who didn't grab the quota stamped their feet under the post, but immediately after seeing the 20% rebate clause for the first 1 million, they also flooded in.
Earn 20% for free in three days.
Isn't it good?
1:00 AM. The number of depositors exceeded 400,000.
Then 1:15 AM. Exceeded 1.2 million.
Finally, at 1:30 AM, the 3 million quota was exhausted.
But subsequent deposits were counted at a periodic weekly interest rate of 1%. Still, there was an endless stream of Survivors flooding in.
Because — the bank itself was a novel thing.
Other civilizations were struggling just to eat and keep warm.
Their Yanhuang Civilization.
Even had a bank.
This crushing sense of civilizational superiority made countless Yanhuang Survivors willingly deposit the excess karma points they had beyond what was necessary for survival.
Plus, with such a Revival Society backing it, there was no need to worry about security issues.
So even if there was only a 1.5% weekly interest rate, it was earning money while lying down.
—
Magic Sea Era, 25th Day. 1:47 AM.
In a gathering point of a thousand people, over a hundred Houseboats were connected by cables and floating bridges, spreading out like stars in the night.
In the center of the gathering point, a Gold Tier warship was quietly anchored at the core of the boat formation, its dark silver hull gleaming with a cold luster under the twilight of the twin moons, forming a stark contrast with the ordinary Houseboats of Rotten Wood Class and Bronze Grade around it.
Inside the warship. The top floor.
A round table conference room with closed windows.
Twelve seats, eleven people sat full, one empty.
The lights were deliberately dimmed, only a floating karma point lighting device in the center of the round table emitted a dim, yellowish glimmer, cutting everyone's face into light and dark fragments.
(The next chapter was blocked by the platform, I'm sorry)