High Martial: Talent Loans, and Mine Come with Predatory Interest

The rating just came out, so it should rise later.

[Overpowered wish-fulfillment + decisive and ruthless + absolutely no saintly behavior + all hand-crafted]

After transmigrating into a high-martial-arts world, Lin Yuan awakened the Talent Loan System. He'd planned to lie flat, lend out talents, and let others handle the work.

His father borrowed [Remarkable Bones] and broke through realms as easily as drinking water. His older sister borrowed [Learn by Analogy] and gained heaven-defying comprehension. His childhood sweetheart borrowed [Transparent Sword Heart] and became one with her sword.

But right before the martial arts entrance exam, they joined forces to betray him and grind him into the dirt!

Lin Yuan sneered. “Forgot? The talents I lend out come with loan-shark interest!”

The moment he reclaimed the talents, [Remarkable Bones] evolved into [Great Sun Golden Crow Sacred Body], and [Learn by Analogy] transformed into [Innate Dao Embryo]...

From then on, the martial world of Great Xia had a true god who made every traitor tremble in fear!