Usury

Back in the shabby rental room.

Su Yu locked the door behind him.

He pulled shut the yellowed curtains, cutting off the last trace of light from the outside world.

The room was dark, except for the faint blue glow of his phone screen.

He sat down on the hard wooden bed and took a deep breath.

He called up the system panel.

[Current Balance: 328.5 yuan]

[Exchangeable Cultivation: 328 years]

His heartbeat quickened.

Even though he had lived two lives, even though he was naturally calm and steady, he couldn't stay completely composed at a moment that could change his fate.

"Let me try ten yuan's worth first."

He wanted to see the effect.

"System, recharge ten yuan and exchange for ten years of cultivation!"

[Ding!]

[Deduction successful.]

[Health Value permanently +1.0!]

Boom!

The moment the words left his mouth, an incredibly vast and pure surge of heat erupted without warning from Su Yu's dantian.

This heat was like a wild horse that had broken its reins, racing wildly through his limbs and bones.

"Hiss—"

Su Yu gasped sharply.

Pain!

Intense pain!

But along with the pain came an indescribable pleasure.

He could clearly hear the crisp cracking sounds of his own bones.

His dry, withered muscles swelled.

His fragile meridians widened.

In just ten seconds, the surge of heat had completely merged into his body.

Su Yu opened his eyes wide.

A flash of light flickered briefly in the darkness.

He clenched his fists, feeling an unprecedented fullness of power within him.

If before, his strength had been like a stagnant pool of water.

Now, it was a rushing stream.

"Health value... definitely more than 1 point!"

A burning excitement shone in Su Yu's eyes.

Ten years of hard cultivation!

For someone like him, with such poor talent, ten years of perfect, uninterrupted training—day and night, without food or drink—was enough to raise his health value by a full 1 point!

From 0.8, he had shot straight up to 1.8!

Even though it was still far from the passing score of 6 points required for the college entrance exam.

This proved one thing—

The system was real!

One yuan could really buy one year of cultivation!

"Keep going!"

Su Yu hesitated no longer.

"System, recharge a hundred yuan!"

[Ding!]

[Deduction successful.]

[Health Value permanently +10.0!]

Rumble!

This time, the commotion inside him was more than ten times greater than before!

If the earlier surge had been a stream, this was a burst dam flooding.

Su Yu let out a muffled groan and was flung straight off the bed, crashing heavily onto the floor.

His entire skin turned bright red in an instant, like a boiled prawn.

Sweat, mixed with dark impurities excreted from his body, poured wildly out of his pores.

A hundred days and nights!

A hundred years of sweat and toil!

All the results of cultivation were, at this moment, forced into his body by the system in the most unreasonable way.

Five minutes later.

Su Yu climbed to his feet.

He gasped for breath, but his eyes were blazingly bright.

"11.8..."

Su Yu muttered to himself.

He didn't need to test it on professional equipment. A martial artist had absolute control over their own body.

He could feel that his health value had reached 11.8!

It had surpassed the perfect score of 10!

That so-called martial arts prodigy Zhao Ze, who ate exotic beast meat every day and soaked in medicinal baths, only had a health value of 9.8.

And Su Yu, spending just a hundred and ten yuan.

Had utterly crushed that arrogant rich kid in health value.

"Awesome!"

Su Yu clenched his fists tightly, his knuckles turning white.

Three years!

The humiliation he had endured for three full years dissipated in an instant!

But.

It wasn't enough.

Far from enough!

A health value of 11.8 might be top-tier genius material in River City.

But when it came to the whole of Xia Country, to that monster-infested Jingdu First Martial Arts University, it was nothing.

He needed more power.

Su Yu glanced at his phone balance.

He had a little over two hundred yuan left.

That amount wouldn't even be enough to fill a crack.

Without a moment's hesitation, he opened a green app on his phone.

The Xia Country's national loan app—"Easy Borrow."

Su Yu's credit score wasn't high, he had little regular income, and his limit was pitifully low.

Only a thousand yuan.

"Borrow it all!"

Su Yu clicked withdraw.

[Ding! One thousand yuan received.]

No more words.

"System! Recharge it all!"

[Deduction successful.]

[Health Value permanently +100.0!]

Boom—!!!

This time, Su Yu didn't even have time to let out a muffled groan before the terrifying energy slammed him to his knees.

A thousand years!

A full thousand years of cultivation!

Quantity had become quality.

The energy and blood in Su Yu's body was no longer a liquid torrent; it was beginning to transform into vapor.

His bones turned jade-colored.

His muscles became as if forged from steel.

100 points of health value!

In the martial world of Xia Country, there was a common truth.

When health value reached 100, a person broke through the limits of the human body, shed their mortal shell, and officially entered the realm of a martial artist!

A martial artist!

Even in the military, a true martial artist was qualified to serve as a squad leader!

In a small place like River City, as long as you didn't mess with the local powers, a martial artist could basically walk around unchallenged.

And Su Yu, in less than half an hour, had crossed a chasm that countless people could never cross in a lifetime.

"Hoo—"

Su Yu spat out a breath of foul air, and the stream of breath created a crisp sonic boom in the air.

He stood up.

Waved his hand casually.

Bam!

The solid wood table beside him, missing one leg, shattered like paper into pieces!

Su Yu looked at his own hands, but his brow furrowed slightly.

He had the power.

His health value had reached the standard.

But... he didn't know how to fight.

"Bare strength alone can't unleash the killing power a martial artist should have."

Su Yu remained calm.

His current state was like a three-year-old child holding a mounted machine gun.

Plenty of firepower, but no idea how to aim or pull the trigger.

If he encountered an opponent with real combat experience, he could easily be outplayed by technique.

"Martial techniques!"

Su Yu's mind conjured up the basic martial art taught for free at school—Five Elements Fist.

It was the most widely practiced martial technique in Xia Country.

It had four stages: Entry, Proficient, Mastery, and Perfection.

For ordinary students, reaching Proficient in three years of high school was considered decent.

Those who reached Mastery were geniuses.

As for Perfection? That required decades of relentless practice and extremely high insight!

"System, can martial techniques be bought with money?"

[Yes. 1 yuan = 1 year of martial technique comprehension time.]

Su Yu's eyes lit up.

But then, he looked at his empty balance again.

He had no money left.

His formal loan limit was exhausted.

Borrow from someone? He was an orphan without any relatives. Among his classmates, besides Lin Xiaoxiao, no one would lend him money.

Borrow from Lin Xiaoxiao?

The thought had barely crossed his mind when Su Yu dismissed it.

Lin Xia Xiao could casually produce a special admission spot for Jingdu Martial Arts University. The Lin family behind her must be incredibly powerful. If he, a bottom-tier orphan, suddenly asked her for a large sum of money, it would surely attract the attention of her elders.

If the Lin family’s intelligence network followed the clues and discovered the anomaly of his sudden spike in blood energy, the secret of the system would be impossible to hide.

Before he had absolute power, he could never allow behemoths like that to scrutinize him under a microscope.

Su Yu’s gaze fell on a black app icon in the corner of his phone screen.

“Black Gold Loans.”

This was a high-interest loan app developed by the underground forces in River City.

The interest rates were absurdly high.

Even "nine in, thirteen out" was considered light.

Those who defaulted might lose limbs at best or vanish from the world at worst.

Ordinary people wouldn’t dare touch this even if they were starving.

But Su Yu wasn’t afraid.

He was now a martial artist!

As long as he made a stunning showing in the college entrance exam and got into the top martial arts university in the capital, a measly loan shark outfit in River City would amount to nothing!

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