Zhang Yu transmigrates from modern-day Earth, his soul inhabiting the body of a low-level rogue cultivator with the same name. As he frets over the meager debt left behind by the body’s previous owner, an antique “Immortal Mirror” (a cultivation-world smartphone) automatically displays a video ad featuring the classic “elder passes on his power” scenario. Zhang Yu notices the scrolling fine print promising “as little as half a day’s worth of cultivation in daily interest.” As a former finance professional, he can only twitch at the corner of his mouth and scoff: “That annual interest rate is terrifying. This isn’t power transmission, it’s a predatory loan!”
