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Guangmo successfully persuaded Zou Miaoling and made her realize the charm of money.

At the same time, he told her some tricks used in the money shop.

For example, the interest on depositing spirit stones, spirit crystals, and spirit objects can be relatively low for ordinary cultivators, but can be higher for high-level customers with large deposits.

This is a great way to win over some people.

I'll give it to you directly, and no one can say anything. This spiritual crystal is comfortable to hold and safe to use, and it's not hot at all. You got it with your own savings, so this is what you deserve!

After Guangmo's explanation, Zou Miaoling was moved as expected.

And Guangmo's next words made her make up her mind.

"Many monks on the front lines, do they dare to openly take out a large amount of spirit crystals to purchase the necessary resources? What do the venerables think?"

"I asked you to fight on the front lines, but you didn't expect to make a lot of money?"

"And our bank can open up a loan business."

"On the surface, the loan is based on your realm, status and so on, but in reality, the things you secretly deposited in the bank can be used as collateral. You only need to pay a little interest on the spirit crystal loan and you can get a lot of legitimate spirit crystals to buy anything you want."

"Ask, it's a loan from a bank!"

But Zou Miaoling was still a little worried. What if there were any loopholes in the information? After all, it was very easy for the venerables to check.

“What if someone wants to check the accounts?”

"Don't worry, I will sort out the accounts of our bank myself, and put the master account in a safe place where the venerables can't see it."

As he spoke, Guangmo patted the formation plate on his waist.

Zou Miaoling suddenly understood who was really supporting this bank.

It turns out that this was allowed by the Holy Temple and was run by the mysterious organization behind Guangmo!

"Of course, if some people are still worried, we can open a smaller underground bank that only handles those less convenient businesses and then directly borrows spirit crystals from the big banks."

"I have obtained a clean spirit crystal. I can use it with peace of mind."

Zou Miaoling's eyes lit up, "But, isn't this equivalent to a pawn shop?"

"No, no, we are much better than the pawnshop. We won't easily offer half the price or even 30%. We can give 80% or even 90%!"

Take out the bad things and make them white.

Someone may ask, why bother with this, can't you just use it yourself?

The supplies they get from various occasions may not necessarily be what they need. Perhaps they just take them because of their high value and convenience.

Selling stolen goods has always been a very serious and difficult matter.

Take those who accept cash for example. It doesn’t mean that you can spend the money at will once it’s in your hands. Some people will always find various reasons and try to launder the money.

In the world of cultivation, it doesn’t mean that you can use things at will once you have them. Pills are fine, but what about other things, certain raw materials, or a large number of talismans and other things that are not often used in daily life.

Keeping it in your hand has no value other than making you feel rich, the only way to do that is to exchange it for resources.

In the past, these types of players were mostly small grocery stores; they would buy some but at a very low price.

Now Guangmo plans to take on this role himself.

And don't just think about the various supplies salvaged from various places, there are also contraband goods. The things obtained by looting or dishonorable means are also in large quantities. He can give you 80% of them here. What will you choose?

Someone will ask again, if it is 80%, then won’t I be at a loss?

If we only talk about the money laundering bank, it will suffer a little loss, but you still have a loan. At that time, the loan for this kind of money laundering operation will have a head interest, and that is from the official money laundering bank.

For example, Zou Miaoling deposited things worth millions of spirit crystals in a small bank.

If you take the certificate of a small bank and apply for a loan from a big bank, you can get 800,000 spirit crystals.

Zou Miaoling would definitely not pay back this money. After all, it was laundered money. After deducting the interest, she would get more than 600,000 spirit crystals.

If you are not satisfied and do not want the loan, then I'm sorry, we have already completed the process, so you have to pay the interest first, the interest of more than 100,000 or 200,000 spirit crystals first!

In fact, it cost 400,000 spirit crystals to launder the millions, and only 60% was received.

As for what Guangmo earns, it is naturally legitimate profit.

There’s just a black box in the middle.

For example, something that is valued at one million spirit crystals, because it is considered the other party's collateral, has to be handed over from a small bank to a big bank, and the people who do the appraisers here are all our own people.

At that time, you only need to take out something worth 800,000 and give it to a big bank, and it can be worth one million.

How do you keep the price constant?

To put it bluntly, the market price has dropped. This thing that was originally worth a million is now worth only eight hundred thousand. There's nothing you can do about it.

And who has the greatest influence on market prices?

Of course it’s Guangmo’s trading company!

It is a whole closed loop, seemingly without any actual relationship, all of which are overt processes, without any room for corruption, but it is possible to extract money bit by bit from the big banks.

And Guangmo has a little idea, everything he gives will be spirit crystals!

Why do monks have to go to the market or their own shops to buy practice resources?

Not to mention that the prices of things in his shop will increase, after all, they are all high-quality products. Those cultivators will naturally not feel sorry for using the spirit stones and crystals that were blown away by the wind. The difference in price is equivalent to another profit.

The main thing is that there is a more obscure little idea, which is to gradually "de-crystallize".

The number of spirit crystals will only circulate on the books and appear only on vouchers.

In this way, as long as his trading company can keep receiving goods, this idle game can continue. When the day comes when the goods stop coming and they want to take the certificates to withdraw the spirit crystals, perhaps the big bank has already been emptied by him like ants moving house.

Of course, this has a prerequisite, which is to let the monks trust the big money houses. It is safest to store the spiritual crystals in them!

Guangmo also has some contingency plans, and will even put on a show when necessary.

As for things like Lingshi loans, they are nothing more than increasing liquidity in the short term, and then creating cards out of thin air to temporarily fill the gap left by his ant moving.

For example, if he takes away 20 spirit stones out of 100 spirit stones like an ant moving, no matter you say it is the market price or something else, it is still a loss after all. If it happens once or twice, it will be a loss every time and anyone with a discerning eye can see it.

This is when the role of Lingshi loans comes into play. As long as there are enough short-term, small-amount Lingshi loans, the upfront interest is the actual income, and the interest that has not yet been received is the expected income.

In the early stages, when the independent cultivators could still afford to pay back the money, they could fill in the part that he had emptied, and the big banks might not actually suffer any losses.

In the later stage, when the independent cultivators could not make up for the loss, this part was also his expected income. It was just that he could not get it back, but he could make up for it on the books.

This greatly prolonged the duration of his Ant Moving crash.

Of course, there is no need to tell Zou Miaoling about this, because she wouldn't understand even if I told her. This is a basic version of capital operation combined with leverage on short-term loans and some crude money laundering techniques.

Zou Miaoling was amazed that she could be cleaned of all charges just by using her left and right hands.