Gu Yunshen, a Sanxian who failed to overcome the tribulation in his previous life, became the son-in-law of the wealthy Liu family and was stigmatized as a "disaster star". He was looked down upon with cold eyes. Accidentally awaken the memory of past lives and bind a [merit system] that can transform good deeds into concrete power. He discovered that in this seemingly ordinary urban world, there were actually rare gems that contained the laws of heaven and earth. Only the light of merit could inspire their inlay and transform them into powerful magic weapons or spiritual sources. In order to accumulate merit, he secretly founded "Qingyun Pavilion", performed good deeds in the name of a business, and gradually took control of Blue Star's most mysterious gem supply chain. From using primary merits to repair the Liu family's crisis, to slapping rival chambers of commerce with shocking gem arrays, to uniting with Eastern cultivation secluded families to establish the global "Merit Chamber of Merit of All Realms" to fight against the ancient Western gem magic families. Along the way, the protagonist uses business war to cover up his cultivation, uses merit to subvert the power system, and finally becomes an urban merit immortal who is above the secular and hidden world, guarding the fire of civilization. The core selling points are "merit quantification finance" and "gem law inlay". The target readers are cool readers who like urban cultivation, business strategy and pretending to be pigs and tigers. The cool path is forbearance of the son-in-law → accumulation of merits/gem appraisal → breaking the business war → establishing power → fighting against the law. The core value is "protecting civilization and practicing the road".