After Encountering a Ghost, Can I Really Make Them Lend Me Money Every Time?

A ghostly tide erupts. Monsters run rampant, and the world order collapses.

Lin Fan, an ordinary corporate wage slave, unexpectedly awakens a supernatural ability during a brush with death: [Underworld Loans].

He can not only “borrow money” from monsters, but also collect “interest”: yang energy, memories, skills, even karma can all be traded!

From then on, he embarks on an outrageous path of lending money to survive while saving the world, and making a little profit from the underworld along the way...