203: Chapter 199 To be taken into one's own hands

A white model projection emerged from the life ring, hovering above the deck.

"Master."

"Analyze the Magic Sea Bank model itself—setting aside the 'scam' of the Council of Thirteen—if the Fate Platform were to implement it, what is the feasibility?"

Alola was silent for 0.3 seconds. The white model projection's head tilted slightly, and data streams circulated at high speed within it.

"Master, the following is a systematic analysis based on the current economic ecosystem of the Fate Platform."

"The essential nature of karma points is dualistic. For ordinary Survivors, karma points are a composite of value currency and daily necessities—maintaining the Fate Platform connection, activating the compass function, using the Spatial Backpack, purchasing food and equipment, and strengthening items all require the consumption of karma points.

It possesses complete monetary functions: a measure of value, a medium of circulation, a means of payment, and a store of value."

"However, for you, Master, karma points are merely a set of data identifiers. In the process of Survivors sacrificing their essence, energy, and spirit to the Fate Platform to convert them into karma points, the actual energy has already been diverted to the Fate Platform's operation and maintenance and the River of Causality energy reserves. karma points themselves do not carry additional energy; they are credit symbols issued by you, Master, and also an information key to call upon the energy of the River of Causality."

"Therefore, you cannot participate in the interest-bearing cycle of karma points as the issuer—just as Yang Hang cannot deposit money he printed himself into a bank he opened to earn interest."

"However—" Alola changed the subject, "If the Fate Platform were to architect a standardized financial System to centralize and circulate the idle karma points dispersed in the personal accounts of 1.3 billion Survivors, the resulting economic multiplier effect would be extremely significant. Conservatively estimated, the normal operation of the Magic Sea Bank could increase the production efficiency of the Survivor population by 15% to 23%, and increase the speed of material circulation by over 30%."

"Conclusion: As an extended module of the Fate Platform's financial functions, the feasibility rating of the Magic Sea Bank is—High."

Yang Hang listened, his fingers tapping on the armrest.

"Then turn this makeshift setup created by the Council of Thirteen into my Fate Platform bank. Help me plan a proposal."

Alola's response was almost instantaneous.

"The proposal is as follows—"

"First layer, Flesh Shell: Use the Fate Platform's underlying System architecture as the bank's basic execution framework.

Deposits, withdrawals, transfers, interest settlement, and risk control audits will all be embedded into the existing Fate Platform System, like a parallel first-level entrance alongside the Trading Realm and the Strengthening Realm. The security at the System level will be provided by the ultimate guarantee of your Power of Causality, Master."

"Second layer, Skeletal Hub: My sub-intelligence entities will serve as the bank's core calculation and risk control System.

They will monitor capital flows in real-time, identify abnormal transaction patterns, and automatically trigger risk warnings and freezing mechanisms. This ensures that low-level loopholes like the Council of Thirteen using personal accounts to impersonate public accounts will never happen again."

"Third layer, Soul Drive: This is the key."

Yang Hang raised an eyebrow.

"The karma points absorbed by the bank cannot be left static. After you promote the Magic Sea Bank based on your own prestige, Master, it is estimated that within one day, it will absorb 70% of the total circulating karma points on the entire platform. The remaining 30% is for the rigid holdings of Survivors for daily life and combat. If such a volume of funds is only stored, it is no different from being in the Survivors' personal accounts, and the interest would instead become a net burden for you, Master."

"The karma points must be made to flow—invested in production, trade, strengthening, and construction. Using karma points to generate more karma points is the normal execution logic of a bank."

"And the special nature of how karma points are generated means this part—needs to be handed over to professional Survivors to operate as agents."

Yang Hang asked the key question directly: "You mean after I build the System, I have to find people to manage it for me?"

"Yes, Master." Alola's reply was crisp, "I can handle pure financial data manipulation—arbitrage, hedging, risk pricing—on these levels, I can play all Survivors in the palm of my hand. But the karma point economy of the Magic Sea involves real-world entities like physical strengthening, resource collection, material production, sea beast hunting, equipment forging, and fleet operations. The judgment and operation of these real-world industries require Survivors who are in the midst of it to complete them based on real experience and industry knowledge."

"Selecting managers from the existing large organizations on the Fate Platform, granting them a certain quota of fund operation authorization, with me responsible for real-time monitoring and risk control audits, and your Divided Soul on the Fate Platform serving as the final supervisor—this is the optimal solution."

Yang Hang listened, not answering immediately.

He leaned back on the lounge chair, his gaze cast toward the distant dark purple horizon.

What was running rapidly in his mind was not the deduction of the Power of Causality, but a set of pure business logic.

Finding someone to manage it for him—the direction was fine.

But "selecting managers from large organizations" was too small-minded.

One manager, managing one bank. Stable, but slow, and highly dependent on individual ability. What if the person selected turns out to be the next Director Sun Zheng?

Yang Hang's train of thought took a turn.

Head office—branches.

Franchising. Regional agents. Competitive bidding for positions.

He didn't need to open just one bank. He needed a banking System.

The head office would be directly controlled by the Fate Platform, with Alola's sub-intelligence entities serving as core calculation and risk control. That fund gathered by the Council of Thirteen—all the karma points in the YG0532****25 account—would be directly transferred to the head office's public fund pool.

Issue a notice to seek the opinions of the depositing Survivors. Those who want to withdraw can directly submit a withdrawal application through the funds' exclusive AI Customer Service. Those willing to continue depositing will be automatically transferred to the head office account.

Then open up applications for branch qualifications.

Any individual Survivor or organization with ideas, ability, and meeting the qualification standards can apply to open a branch. Branches operate independently, are responsible for their own profits and losses, set their own interest rules and storage plans, and absorb karma point funds themselves.

But—pay 1% of the weekly turnover to the head office as tax.

The head office itself also accepts deposits, with lower interest rates, and the source of interest is half of the tax turned in by each branch. Stable, controllable, and no risk of the capital chain breaking.

As for the red lines of the branch rules—

Yang Hang's fingers paused on the armrest.

He remembered one thing.

The Scales of Justice.

The Gold Tier wonder item opened from a sunken sea treasure chest on the fourth day of the Magic Sea calendar. The hint given by the Power of Causality at the time was that it would be useful in the future.

It seems it was prepared for now.

The core ability of the Scales of Justice is to perform fair and balanced suppression on affairs occurring within its range.

Embed this ability into the underlying rules of the banking System—all branch storage terms, interest rules, and transaction details must be audited by the Scales of Justice. Any deceptive terms, any vague hidden rules, any word games, all will have nowhere to hide in front of the Scales of Justice.

Terms that do not pass the audit will be directly rejected. For those forcibly released, the Scales of Justice will automatically flag them with a red warning and simultaneously trigger Alola's risk control freezing.

Yang Hang pushed one step further.

Punishment alone is not enough. There must be incentives.

For branches that do well, give them a graded rating. Level zero to level five. Level zero is the lowest, level five is the highest.

Level zero—no benefits, extract 1% of weekly turnover according to basic rules. (Bank karma point weekly turnover is under one million)

Level one—head office commission reduced by 50%. (Bank karma point weekly turnover must be between one million and ten million)

Level two—AI Customer Service authorization upgraded, can obtain exclusive customized bank System Alola sub-intelligence entity, gain more data analysis and operation support, head office commission reduced by another 20%. (Bank karma point weekly turnover must be between ten million and one hundred million)

Level three—obtain official recommendation slots and traffic prioritization from the Fate Platform, head office commission reduced by another 10%. (Bank karma point weekly turnover must be between one hundred million and one billion)

Level four—Fate Platform basic function position, embedded under the head office page, promoted to Fate Platform sub-function status, possess Fate Platform guarantee baseline, commission reduced by another 10%. (Bank karma point weekly turnover is between one billion and ten billion)

Level five—

Yang Hang raised an eyebrow slightly.

Let's set the bank's weekly turnover at over ten billion, reduce the commission by another 5%, and give them an opportunity to communicate and meet with him directly every month.