Invincible Heroes - Hidden Architect

The Bracada Thunder City Treasury has always had a fairly complete system, the most important of which are the wealth custody system and the wealth lending system.

The lending system is easy to understand. It means borrowing money and then taking it back with interest to make a profit.

The wealth custody system is to save money, but people who save money need to pay wealth custody fees according to the amount of money saved.

Unlike the real world, the world of Yasha is full of wars and dangers. No one can guarantee that they will not die suddenly.

After your death, your wealth will most likely be lost.

Even if the hero puts his wealth in a space backpack, it is not safe. If he dies, he will lose everything.

The big treasury can play a role in wealth protection. Even if the hero dies, the big treasury can ensure that the wealth belonging to the hero will not be lost, but will be delivered to the hero's family as a legacy.

To sum up simply, if you go to a big treasury to make money, the big treasury will make money; if you borrow money from a big treasury, the big treasury will also make money.

Different from the real world, when a big treasury borrows money from outside, there must be corresponding collateral, whether it is assets, land, treasures, etc., but its value must be greater than the amount of the loan.

Compared with the real banking financial system, the funds in Bracada's big treasury are less flexible, but it is more secure and there is no risk of bad debts. It can be said that it is almost invulnerable.

Bad, bad in almost two words.

If you follow the rules, the lending system and wealth custody system of the big treasury are indeed impeccable, but there are always people who will find ways to circumvent the system out of various interests.

For example, there are many articles to be written about the collateral of the lending system.

When a large treasury collects collateral, it needs to evaluate its value.

How much money can be spent on a mansion or a factory will be determined based on the current value of the collateral.

This creates a problem. The value of the collateral will fluctuate and is not static.

When the value of the collateral drops significantly, someone will maliciously default and fail to repay the loan. At this time, the big treasury will suffer huge losses.

For example, someone mortgages a mage tower valued at 10 million gold coins and takes a loan of 8 million.

Later, due to various reasons, the price of the Mage Tower dropped and became worthless. It was only worth three million. Then the big treasury lost a full seven million and recorded a loss of seven million.

The Big Treasury did not make a miscalculation here, because according to Big Treasury's estimate, the lender had to repay 10 million with principal and interest. Now that the money has not been repaid, the expected income that should have been earned has not been earned, which is a loss.

Of course, the big treasury is not a vegetarian. When faced with losses, they will use various methods to forcefully recover the losses.

This loss will be recorded on the lender and will be recovered in various ways until it is recovered.

For example, auctioning collateral, forcibly expropriating treasures, seizing other non-mortgage assets, forcing military service, etc.

But these methods are powerless when faced with a situation.

That means the lender is gone and the collateral is insolvent.

At this time, the big treasury can only hold its nose and accept the loss.

Whether and how the value of collateral will change is a very random matter, and no one can predict future changes.

Therefore, the Big Treasury will not blame the mortgage salesman for losses caused by changes in the value of the collateral.

This gives salespeople a lot of room for maneuver.

It is common for a treasure worth 10,000 Titan coins to be forcibly raised and a loan of 50,000 Titan coins to be made after some operations.

To Michelle Bingtang, this loophole in the system was as conspicuous as the young woman on the bus who deliberately pushed her way into the crowd without wearing underwear.

She would be sorry for her brain that has been baptized in the financial battlefield for a while.

The Jenova Chamber of Commerce under her has long since become a powerful chamber of commerce that can compete with the Trosa Chamber of Commerce in one round after another.

The Jenova Chamber of Commerce has countless assets.

Among them, there are a large number of empty shell minerals whose reserves are about to expire and empty shell factories that are not producing at all.

These garbage have been carefully packaged by the Jenova Chamber of Commerce, and each one is a high-quality asset.

Mixue Bingtang used these low-quality assets to loan out a large amount of Titan coins from the big treasury, and then used the Titan coins to purchase basic resources on major exchanges in Thunder City.

Basic resources are different from other commodities. Although they usually look inconspicuous, they are the core of the existence of the power and a necessity for all arms and heroes.

Just like rice, oil, and salt in real life, they seem to be readily available and not very expensive in normal times, but whoever dares to purchase and hoard them in large quantities will lead to drastic fluctuations in the price of basic resources, which will definitely lead to investigation.

As it should be, the Jenova Chamber of Commerce was quickly investigated by the staff of the Big Treasury.

Faced with this situation, Mixue Bingtang remained calm and unhurried.

The investigators came, and they were picked up by pneumatic vehicles and taken to various pubs and flower streets.

Half a month later, although the investigation team did not spend half an hour in the Jenova Chamber of Commerce, the results of the investigation came out.

When Aveili encountered the Chaos invasion, the resources acquired by the Jenova Chamber of Commerce were all sent to Aveili for relief.

Of course, no matter how miserable Aweili is, he still has some wealth. These basic resources will be exchanged for three to four times the value of luxury goods, treasures, spices and other materials in Aweili and then brought back.

Come and go, it's triple the profit.

The Jenova Chamber of Commerce is fully capable of repaying the principal with interest, and it has legitimate reasons for acquiring resources, so why are you hesitating? Give your strong support!

Therefore, under the operation of the big treasury, the Jenova Chamber of Commerce gave the green light all the way and made purchases everywhere with Titan coins.

For a time, the prices of food and basic resources in major cities in Bracada tripled.

When the freighters loaded with cargo left the port, no one could have imagined that the whistles of the freighters would become the death knell of Bracada.

…

…

In the dim room, a wealthy merchant fairy with a veil stared at the conch carefully, nodded repeatedly, and trembled with excitement.

Finally, the last conch's safety prompt sounded, and the wealthy merchant fairy jumped up excitedly.

"Very good."

He excitedly ran to Michelle Bingtang and Erni and said excitedly:

"Report to the president, report to the officiant, the last 10,000-ton cargo ship has successfully arrived at the maelstrom and arrived at the God's Chosen City.

All resources have been transported.

The heart-breaking plan was a great success!

Our layout in Bracada is completely finished, the perfect retreat! "

"good!"

Michelle Bingtang breathed a sigh of relief and laughed:

"Hahaha, now, I have overfulfilled the task assigned to me by Qi Ge.

The food and basic resource output of the entire Bracada for nearly half a year, and the total revenue of the big treasury for two years, were all packed up and taken away by us.

After two weeks, the big treasury realizes something is wrong and begins to inventory our assets. They will find that our assets are simply a pile of garbage.

Basic resources and food are very special things. They are consumed all the time, but their accumulation requires a lot of time.

Next, as long as the port city imposes a price blockade on basic resources and food, Bracada will enter a state of collapse.

A large number of Brakada's factories will shut down due to lack of basic resources, and a large number of Brakada people will starve due to lack of food.

A sharp increase in the price of basic resources will lead to a sharp depreciation of Titan coins.

When one hundred, one thousand, or ten thousand Titan coins cannot buy a morsel of food, Titan coins will be completely reduced to scrap metal.

The credit belonging to Bracada will be completely bankrupt if it is hosted on Titan Coin. "

Elnie smiled and said:

“The collapse of the economy will lead to the collapse of social order.

The wolves on the grassland want to eat sheep. If there are not enough sheep to eat, the wolves will eat wolves.

Wolves are wolves, they will not be eaten willingly, they will fight to the death.

Standing is death, kneeling is death, they will choose to die standing.

By that time, Titan's force deterrence will also become a joke.

Economic conflicts will evolve into class antagonisms, and one anti-flag after another will fly over Bracada. "

"Humph." Michelle Bingtang stretched out her fingers proudly and said:

“It is easy to go from frugality to luxury, but it is difficult to go from luxury to frugality.

People always feel weak about gains, but they always feel particularly strong about losses.

The mages of Brakada are used to living a life of fine clothing and fine food, and they cannot adapt to the sudden decline in living conditions.

And once they take action to ask for everything they deserve from the top, it cannot be solved by appeasement.

When they realize that they can also be superior and become human beings, they will no longer think about continuing to be cows and horses.

Once the conditions are established, even if the dignitaries of the Brakada Grand Council begin to distribute their wealth, they will not be satisfied.

Half a month, I can guarantee that in just half a month, the first rebellious city will appear.

The opportunity that Qi Ge has been waiting for is about to arrive! "

"What!!!"

Mixue Bingtang was talking triumphantly, when suddenly, the wealthy businessman fairy who was catching conches howled, startling her.

"What's wrong? You were so surprised?"

"President Bingtang, no, something happened!"

The wealthy merchant fairy said nervously:

"Lighthouse City, located around the border of Chaos, has declared a rebellion!"

"ha?!"

"ah?"

Michelle Bingtang and Elnie stood up together, both of them a little stunned.

"How come it's so fast?"

"It shouldn't be. Although the prices of basic resources and food are increasing now, there should be a consumption period.

Only when those food and basic resources are completely beyond their means will someone be forced to take desperate measures. "

"Bingtang, let's ask together quickly. Maybe it was our allies who did it."

Erni had an idea and said quickly.

Mixue Bingtang suddenly understood and immediately took out the conch.

She and Erni kept calling Hela to confirm that all the conchs had been struck, but they all got the same reply:

"We didn't do it. Go and ask others."

Michelle Bingtang and Erni looked at each other, and they both realized that there was a third party force that was not under their control that was causing trouble in Brakada!

…

…

Lighthouse City.

Armed fortresses flew high into the sky, forming a mighty formation in the air, heading towards the interior of Brakada.

In the armed fortress, a group of mages wearing cyan flags were taking an oath.

“Your Majesty is the Lord of New Life, we will be loyal to you with our lives, we will overcome obstacles for you and fight to the end.

The old master hung high above the thunder clouds, was cruel and ruthless, and humiliated all living beings. He should be replaced by the new master. "

Among the rebellious mages, a particularly young one slowly opened his eyes. There was a huge eyeball embroidered on the cyan cloak behind him.

The eyes were obviously embroidered, but they kept rolling like a living thing.

The young mage took a deep breath and let out a strange, inhuman scream.

Around the armed fortress, a large group of weird gargoyles fluttered into the sky in an instant, hovering around the armed fortress.

"Kekeke. El Zeus! I, Pickem, am back again!"

Everything you take from me, I will make you pay back double! "

…

…

Delga sat on the red chair, shaking the bright red wine glass, and stared at Eschar opposite.

On the screen in front of him, there was a picture of a large group of airships flying.

"Suck."

Delga took a sip of blood from the wine glass and said dissatisfiedly:

"You just played the Pick Jem card like this?

That is a rare legendary hero.

In order to help you transform him into a vampire and resurrect him, I spent a lot of effort. "

“Cards, when they are in your hand, are for playing.

Squeezing your trump card until you die without playing it out is something only a fool would do. "

Eskel said leisurely:

"It's time, we need to weaken some of that person's strength first, and we also need to find excuses to obtain more resources.

Counter-insurgency war is the best excuse. "

Degal was a little confused:

"With so many demigods, isn't it enough for us to pool so many resources together?"

"If Elago was a demigod, that would be enough, but if he was just a legend, that would be far from enough.

He doesn't have the ice skills of Adrid, nor does he have the blessing of the ice fairy to directly activate the ice sword. "

Degal shook the red wine glass and laughed:

"Hey, forget it, I won't question your decision. So many years and countless arguments have told me that you are always right.

I will be responsible for helping you solve some troubles and be a thug without thinking. "

Eschar raised his head and glanced at Degar with a smile.

"That won't work. Sellen has to ask you to keep a closer eye on it.

Although I have some control over him, it is certainly not as good as the suppression of him by the incarnation of the abyss.

Once he sees the avatar of the abyss, he will definitely switch sides on the spot.

Speaking of which, this is also a thorn in my heart.

Where did this incarnation of the abyss hide after fighting Al Zeus? Based on my intelligence network, I can't even find it. "

"Don't think so much, old man." Degar shrugged.

“Looking at the best, maybe she’s dead?

If we can get Sellon out of Ofer, doesn't it mean that she no longer has any control over Ofer?

Our plan is going so well so far, isn't it? Except Tanang.

As long as Tanan is solved, there will be no obstacles in front of us. "

"That's right." Escher smiled slightly, put down the book in his hand, raised a wine glass, and said to Degar:

"Cheers to our plans."

"Cheers!" Degar touched Escher with a transparent wine glass in the air, and red blood slowly slid down the corners of his mouth, cruel and evil.