Wen Wan carefully analyzed the situation for them, saying, "As long as it involves borrowing money... there will definitely be people who won't pay it back. This is a matter of probability, and there's still some risk involved, so I urge you to consider it carefully."

"But... I personally don't think it's a big deal. After all, you two are quite famous in the underworld, and in some areas, you have absolute power. Why would I go against you for such a small amount of money?"

The Black and White Impermanence nodded in agreement. What they said made a lot of sense. They still had many ways to make things difficult for others. How about trying not to pay back the money?

Wen Wan touched her chin thoughtfully and proposed another idea on the theme of "borrowing money." "If conditions permit and funds are sufficient, you can also use Huabei and Borrowing in the underworld."

Hei Wuchang: "Huabei?"

Bai Wuchang: "Jiebei?"

The two ghosts cried out in bewilderment. Wen Wan then realized that there was no such thing in the underworld. She quickly gave them a simple explanation, saying, "We've had mobile payment services here for many years."

"Simply put, you deposit money into the bank, then link the payment app on your phone. When you go out, you can directly transfer money through the payment app and pay, so you don't need to carry money with you."

"Then payment apps also developed some lending functions. Huabei and Jiebei are simply another name for lending functions. If you don't repay the borrowed money, your credit report will be directly blacklisted."

"Credit investigation?" Heibai Wuchang was full of questions.

Wen Wan explained simply, "Credit reporting simply refers to a person's creditworthiness. Once blacklisted, it can have significant negative consequences. For example, you won't be able to get a mortgage or car loan, your job search will be hindered, and you won't be able to enjoy preferential government policies."

"Is it so serious?" Hei Wuchang couldn't help but gasp.

"Yeah." Wen Wan nodded gently, and then continued to analyze: "It is because the consequences are serious that no one dares to cross the line!"

After explaining the operating model, she earnestly offered a suggestion: "If you really want to do this, you can refer to it. I think this is a good project in the absence of competitors."

"Speaking of which... the underworld is really out of date right now. They don't even have mobile payment yet. It's so inconvenient to have to carry cash with you when you go out! But if you want to do something like that, it doesn't affect you. You can still use cash, it's just a hassle!"

Hei Wuchang couldn't help but sigh upon hearing this, and said with some resentment, "The human world is actually developing so well now. I'm so envious! So envious, really envious!"

"Haha!" Wen Wan couldn't help but laugh out loud with schadenfreude when she saw her friend's lost look.

Compared with the underworld, the current human world can no longer be described as "well developed". It can be said that it is more than ten times better.

She has felt more than once that her current life is very happy, with mobile payment, express delivery, take-out, a series of convenient operations, and many enjoyable entertainment activities.

She can live such a happy life, unlike the hardship of the underworld, she really has to thank the country! Thank you to the party! It is truly a blessing to be a Chinese! The sense of national honor is overflowing!

"We are all so miserable, stop laughing!" Hei Wuchang sighed helplessly.

I gloat over my friend's misfortune, I run away when my friend gets beaten, and I beat him up when my friend deserves a beating. I can't find anyone more wicked than Wen Wan!

But Wen Wan, for once, was kind and kind, comforting him, "Don't be disappointed, don't be discouraged, don't be envious. Just work hard, remember these ideas of mine, and one day you'll be able to live a life like this in the underworld!"

As soon as he finished speaking, Bai Wuchang waved his hand gently, and a thick paper notebook and a brush suddenly appeared in his hand.

"You...what are you doing?" Wen Wan couldn't help but be stunned.

"In order to live this kind of life one day, I have to remember all your good ideas! A good memory is not as good as a bad pen!" Bai Wuchang answered seriously, with an imperceptible pride in his tone.

Just when he thought he was about to be praised for his hard work, he saw Wen Wan's face full of disbelief. She complained in disbelief, "It's been so many years, and you're still using brushes and such low-quality paper to write?"

"I give full marks to the underworld's lockdown!" She sighed, shaking her head.

Then he raised his hand and patted his two friends on the shoulders, saying with great sympathy, "I know you're having a hard time, but I didn't know you were having it this hard! I just kept hearing you talk about it but didn't really feel it, but now I can really feel what's going on..."

"Don't worry, I will do my best to help you without reservation! It's really too tragic! Too tragic!"

Wen Wan sighed madly. It was obviously a good thing that she was willing to do her best to help, but the Black and White Impermanence felt very sad. In fact, they also felt very sad, but it was different when others said it and when they said it themselves.

The Black and White Impermanence exchanged a tacit glance, then sighed deeply, wondering to themselves, "Are their brushes not good enough? Is their paper not good enough? This is top-notch paper and pens from the underworld, so why are they nothing in the human world?"

Wen Wan was laughing non-stop, but when she caught a glimpse of their disappointed expressions, she stopped laughing and reached into her bag to take out a small portable notebook and pen.

She shook the notebook and pen in her hands, then took off the pen cap and stuffed it all in, explaining what she had just said, "I don't mean to look down on writing with a brush. Calligraphy is our traditional art, and I also like writing with a brush."

"But brushes are more suitable for calligraphy. Ballpoint pens and fountain pens are more comfortable for taking dense notes. You can use these."

Hei Wuchang didn't even look at the stationery in his arms, he just reached out and handed it to his brother next to him. He was really not interested in what kind of pen was comfortable to write with, after all, he was not a person who loved studying.

What he is more concerned about now is whether people nowadays like to carry paper and pen with them when they go out?

He pondered over it over and over but couldn't find the answer. Finally, unable to contain his curiosity, he asked, "You...is it popular among you to carry paper and pen with you when you go out these days?"

"Huh?" Wen Wan was a little confused, but she shook her head and answered truthfully, "No."

"Then why do you bring paper and pen when you go out?" Hei Wuchang continued as if he was going to get to the bottom of it.

Wen Wan smiled helplessly and said deliberately showing off, "Because I'm famous!"

Black Impermanence: “…”

Bai Wuchang: “…”

Damn it! I really got caught!