Why the bug I wrote became a core gameplay mechanic?!
Chapter 646 - 629: Internal Discount

Chapter 646: Chapter 629: Internal Discount

Time Loan seems very unprofitable. By signing it, one can overdraft a certain number of years and gain the corresponding cultivation during this period, and also get Spirit Stones rewarded by the Time Wheel Zen Sect.

The downside is also obvious: you have to repay according to the borrowed years, and with interest, the repayment is much more than the initial loan. Even considering the lowest cultivation efficiency, it’s quite unprofitable.

So when people hear the words ’Time Loan,’ they instinctively choose to stay away.

However, if you combine these two settings, you’ll find a loophole to exploit.

Liang Chun borrowed a Time Loan for two years and chose to repay it immediately, which means he paid off his four years of life directly.

At this point, he is equivalent to having cultivated for four years, and naturally gets classified as a "Ten-Year Disciple."

With the two years of advanced cultivation from the Time Loan and Spirit Stones used to buy Elixir Pills and Magical Treasures, Liang Chun directly advanced to Qi Refinement Third Level, avoiding elimination due to insufficient cultivation.

Had he cultivated normally, other players, even without taking many Nine Dragon Elixirs and playing normally, would have much higher combat power than him by this time.

Normally, there’s no way Liang Chun could be at the top of the leaderboard.

But the problem is, the ten-year and hundred-year disciple leaderboards are mostly occupied by NPCs with rather low stats.

If the stats were set too high, players would find it humorous when they eventually try to compete with the NPCs and find they couldn’t match up.

This gives Liang Chun a loophole to exploit. When he arrived at the ten-year disciple leaderboard, he unexpectedly found the competition so slack that with just a slight effort, he managed to rank among the outstanding disciples.

No wonder Liang Chun quickly pulled Chen Tingquan and Li Wenhao to join him.

If everyone knows about this method, the ten-year and hundred-year disciple leaderboards will immediately become highly competitive. Only by keeping it quiet can they make a fortune silently.

Chen Tingquan couldn’t help but raise his thumb: "Brother Liang, you are truly awesome. You’ve saved my gaming experience!"

"No more talking. This Time Loan is really good; I’m going for one too!"

Liang Chun said, "Let’s keep a low profile. Go online at off-peak times. Otherwise, if other players see the ’Ten-Year Outstanding Disciple’ or ’Ten-Year Excellent Disciple’ titles above our heads, they’ll suspect something.

If everyone finds out about this trick, the ten-year and hundred-year disciples would become too competitive, which would be tough to handle.

So, we must keep it confidential."

Li Wenhao’s voice icon on the profile lit up and quickly dimmed, as if he wanted to say something but held back.

Liang Chun was puzzled: "What’s wrong, Wenhao, do you have something to say?"

Li Wenhao hesitated for a moment and said, "Is there any chance the two of us are streamers?"

Liang Chun was speechless.

Yeah!

Among the three, two were streamers. What secrecy could possibly exist!

The bullet chat on Chen Tingquan’s side exploded with laughter.

"Whispering your secret plans, huh!"

"Still trying to keep things secret? What are you thinking? The entire process has been witnessed clear as day by the viewers."

"I bet someone has already posted this online, and many people are now rushing to Time Wheel Zen Sect."

"Watch tomorrow noon, the ten-year and hundred-year disciple leaderboards will be as competitive as a knot!"

Chen Tingquan felt helpless, but there was nothing he could do. He and Li Wenhao were streamers, after all.

But he took it in stride, comforting, "No worries. Such things can’t be hidden for long; it’s bound to be discovered sooner or later.

We will just play normally."

Li Wenhao asked the soul-burning question: "So, are we still going to the Time Wheel Zen Sect? Are we still taking the Cultivation Loan?"

Chen Tingquan paused for a moment: "Let’s wait and see."

...

That night, Chen Tingquan and Li Wenhao rode their flying swords towards the Time Wheel Zen Sect.

The scenery on the screen quickly changed, and the information from the big map seamlessly loaded without pause.

After flying for a while, the gate of the Time Wheel Zen Sect appeared in the distance.

Its appearance resembled the Floating Temple, but much grander.

The entire area was surrounded by mountains, encircling a huge central peak.

The surrounding mountains stretched endlessly, each with its own temple built on the cliffs, with a faint visible magical time wheel glow.

The central main temple stood majestically.

The towering mountain was akin to the North Slope of Hua Mountain, surrounded by precipices like a sword thrust into the ground.

The largest temple of the Time Wheel Zen Sect was built on this mountain, stretching from the mountainside to the top, beautifully adorning the mountain body.

The golden-top main temple at the peak floated in the air through mysterious Secret Techniques, emitting a strong time wheel glow, bathing everything in auspicious light.

Countless Time Wheel Zen Sect disciples came and went, including actual players among them.

Needless to say, these must be the "whales" who spent 648 at the start to enjoy the privileges of becoming Inner Sect Disciples at birth, which was indeed enviable.

However, ordinary players couldn’t directly fly inside the Time Wheel Zen Sect.

As Chen Tingquan and Li Wenhao approached the outer periphery, their flying swords were pulled by an unknown force and forced to descend rapidly, limited to the flying speed within the Barbaric World, flying to the outer edge of the Time Wheel Zen Sect.

Turning around, they saw a lot of players arriving on flying swords from all directions.

Needless to say, they were all coming to take the Time Loan.

Chen Tingquan sighed: "The speed at which news spreads is faster than we imagined!"

The players gathered at the main gate of the Time Wheel Zen Sect, taking turns talking to the NPC disciples at the reception.

Chen Tingquan almost thought they would have to queue, but upon closer inspection, he saw that the Time Wheel Zen Sect was quite organized. Each outer mountain had many NPCs handling business, processing quickly. So even though many players arrived, they didn’t have to wait long.

"It’s just like handling business at a bank." Chen Tingquan commented.

I had to marvel at how peculiar the game "Reverse Heaven" was.

Players were falling deeper into its trap step by step.

At first, players resisted the Cultivation Loan, like Chen Tingquan, who hesitated for a long time before taking a loan to buy a flying sword after signing it.

But now, everyone seemed accustomed to this loan mode, having so many debts they didn’t worry.

Even the Time Loan, which overdrafts future time, went from being dreaded initially to eagerly sought now.

This crazy game had transformed players.

Watching the ceaseless flow of players, Chen Tingquan felt hesitant.

"Forget it, maybe we shouldn’t go.

"Given this intense competition, in a few days, the ten-year and hundred-year disciple ranks could be as tight as a rope. By then, retreating back to one-year disciple status would be impossible.

"Unless we get a Rebirth, but the later the Rebirth, the greater the loss of resources, which won’t be cost-effective."

Li Wenhao also began to have second thoughts: "Yes, makes sense."

The catch here was that the returns would change with the players’ choices.

If many players became ten-year disciples or hundred-year disciples, then the number of one-year disciples would decrease and become less competitive.

And for ten-year and hundred-year disciples to return to being one-year disciples is impossible.

As Chen Tingquan and Li Wenhao hesitated, a player on a flying sword suddenly appeared beside them.

"Hello, are you here for the Time Loan?

"Mind opening voice chat? I can give you a detailed explanation."

Chen Tingquan was shocked. Have the NPCs in this game become so skilled?

These words were typed out. Since Chen Tingquan and Li Wenhao had their voice channels set to friends only, random people’s voices would be filtered out, so they couldn’t hear them.

The other party seemed aware of this and decided to type out the message.

Taking a closer look, Chen Tingquan was even more shocked to find it was a player!

He had the title ’Inner Sect Disciple of the Time Wheel Zen Sect’ over his head, and his character ID was ’I am not Jian Shang,’ clearly not an NPC created by fake-AI.

Chen Tingquan, surprised, asked: "Do Inner Sect Disciples of the Time Wheel Zen Sect also handle incoming business?"

This was absurd. Inner Sect Disciples must have all been like Instructor Ding, top-level ’whales,’ having spent 648 at the start. Why would they serve as receptionists?

Don’t they have anything better to do?

Jian Shang quickly explained, "No, brother, I’m not a receptionist. I can handle business directly here, and it’s more advantageous than going through official channels."

Chen Tingquan and Li Wenhao: "???"

After Jian Shang briefly explained, they understood.

Turns out, it’s a benefit exclusive to being an Inner Sect Disciple of the Six Major Sects!

Each sect has its unique feature: Time Wheel Zen Sect for Time Loan, Wuxiang Pill Alliance for Elixirs, Life Star Pavilion for Tribulation Crossing, Xuanji Immortal Mansion for Tao Companions, etc.

On the big map, each sect occupies its territory, and players can visit to handle these services.

Official channels offer services at the standard price.

But as Inner Sect Disciples, players can process the services as well, sometimes with discounts lower than official prices based on their cultivation.

For instance, the Time Loan in Time Wheel Zen Sect is officially double repayment, meaning borrowing two years and repaying four.

But an Inner Sect Disciple can offer a slight discount, like two years borrowed and 3.8 years repaid.

Don’t underestimate these few months—it’s crucial.

With further cultivation, Inner Sect Disciples can enhance the discount rates.

Additionally, Inner Sect Disciples borrowing from their sect can obtain highly preferential rates, even low or interest-free rates, after being rated as "Heavenly Pride of the Sect."

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