"Hmph, a mere ten percent profit is nothing to me." The ferryman waved his hand, knowing he was a cautious person and that it would be troublesome if so much merit was given out and couldn't be recovered.
“It’s not just a 10% profit,” Zuan explained with a smile. “That’s just a smokescreen. For example, you lend someone 10,000, and they pay you back 1,100 the first month, and then 1,100 the second month. But at this point, they only owe you 9,000 merit points. However, the interest rate is still calculated based on the 10,000 they owe you. The actual interest rate is almost double. You can then re-lend the merit points they pay back, increasing resource utilization. In the end, you’ll earn far more merit points than you imagine.”
"Besides, everyone is desperately seeking merit these days. Even if you set the interest rate higher, many people would probably be willing to accept it. You could probably earn back two or even several times the merit then," Zu'an advised. If he had time, he would have liked to do it this way, to strengthen the financial system of the Netherworld and let these simple-minded natives experience the shrewdness of capitalists from his previous life.
Sure enough, the ferryman's eyes immediately lit up.
He doesn't want to risk a mere 10% profit, but what if it were several hundred percent?
No one... and no ghost could resist such a temptation!
His breathing quickened, but he still retained a sliver of rationality, looking at Zuan with some suspicion: "Why didn't you go yourself with such a great idea? Why did you have to tell me?"
Zu An shrugged and said helplessly, "I want to go too, but I'm new here and don't have any start-up capital. I can't do it even if I want to, so I can only ask you for cooperation. I just hope that after you succeed, you can give me a thousand merits and I'll be satisfied."
"Aren't you afraid I'll go back on my word?" the ferryman chuckled.
"I see that you are a man of extraordinary bearing, and I don't think you are as ungrateful as those guys before. I'll tell you the method first to show my sincerity." Zu An's expression was exceptionally sincere. If it were his close female friends who knew him well, they would probably immediately guess that he was scheming against someone.
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