After transmigrating into the Spring and Autumn era of Journey to the West, Jiang Shouzhuo spends eighty years searching for immortals without success. With his lifespan nearly exhausted, he can only open a shop for yin debts on Fulong Mountain, keeping accounts and collecting debts for both the living and the dead.
One day, just as he is preparing to erase his own name from the Underworld’s ledger without paying, a monkey suddenly comes running up from the foot of the mountain.
The monkey kneels and bows. “Immortal Master, this disciple comes from Flower-Fruit Mountain in the East Victory Divine Continent. I beg you to teach me immortality!”
Jiang Shouzhuo’s face darkens. “You’ve got the wrong person. I still owe the Underworld thirty years’ worth of yin debts myself.”
The monkey blinks. “Then shall I pay them for you?”
The next moment, the Book of Yin and Yang Debts in Jiang Shouzhuo’s mind lights up.
“Stone Monkey has made a contract, pledging to repay the debts claimed by the Underworld on Jiang Shouzhuo’s behalf.”
“Debt contract established. Merit gained: three thousand. Divine abilities unlocked: Borrowing Lifespans, Transferring Calamities, and Binding Karma.”
Jiang Shouzhuo is stunned.
So his golden finger isn’t a cultivation System. It’s the first ledger of karma and debt in all creation.
As long as someone genuinely owes him and is willing to repay him, he can turn debt into merit, promises into spells, and karma into a protective charm.
So when the monkey owes him a bowl of hot porridge, he gains a calamity-warding technique.
When the Dragon King owes him a favor, he gains the Art of Water Control.
When the Underworld gets an account wrong, he turns around and takes the City God to the Heavenly Court.
Years later, before Havoc in Heaven, the monkey hefts his Golden Cudgel and asks, “Sir, have I paid off the debt I owed you back then?”
Jiang Shouzhuo opens the ledger. “Not even close. You still owe me a Great Sage Equal to Heaven.”
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