Heavenly Dao Lending Agency

Wall Street meets the cultivation world in this thrilling tale of financial warfare! Ji Kongqing, a ruthless former financial elite, awakens in a merciless realm where power is everything—and he has none. No spiritual roots, no powerful clan, just his sharp mind and an extraordinary cheat: the Merit Lending System. Every loan he issues makes him stronger. Watch as he transforms desperate cultivators into debtors, turning their desperation into his ascension. In a world where the strong devour the weak, he'll build an empire one contract at a time.