Yin Yang Financial Empire

Lin Yue, an investment bank partner, dies unexpectedly. When he wakes up, he finds himself in an underworld that operates on "karma, credit, and contract." Here, merit is an asset, karmic debt is a liability, lifespan is cash flow, and the soul is the highest level of collateral; all dead souls must go through account opening, credit granting and credit rating before they can qualify for reincarnation. With many years of financial experience, Lin Yue discovered that the core of the true operation of the world of immortality is not spiritual power, but rules. As long as there are rules, there is room for arbitrage. Through the ancestral spirit contract, he cooperated with Lin Xiaofan, a young man from the Lin family who was on the verge of extinction. Starting from a drug store that was about to close down, he established a credit system, quality certification, spiritual energy bank, insurance, securities, funds and financial alliances, using modern financial thinking to subvert the tens of thousands of years of order in the world of immortality. However, every reform challenges existing interests. Local wealthy families, sect holy places, banks in the underworld, and even the heavenly supervisors who maintain the laws of heaven and earth have become his opponents one after another. When cultivating immortality no longer relies solely on talent, but relies on credit and systems; when spiritual energy becomes currency, sects become consortiums, and heaven is incarnated as regulators, a financial revolution that spans the two realms of Yin and Yang and changes the pattern of all realms begins.