The Heavenly Dao Extends Credit, and I Owe the Myriad Worlds Billions in Karma

People cultivate immortality, defying fate to seize fortune, drawing spiritual energy from heaven and earth, and competing for opportunities through the ages.

Lin Yan is the one exception.

He doesn't cultivate by taking. He borrows.

When he was eighteen, the Great Dao collapsed and the Age of Declining Dharma began. The spiritual energy of heaven and earth dried up, and all cultivation arts vanished.

Cultivation became nearly impossible for everyone, but Lin Yan awakened the [Heavenly Dao Credit System].

Not strong enough? Borrow a level of cultivation from the Heavenly Dao.

No divine ability? Borrow a secret art from the Great Dao.

Near the end of your life? Borrow a thousand years from time itself.

Anything in this world can be borrowed, but debts of karma never vanish, not even after countless eons. All debts must be repaid throughout the heavens.

Borrow a sword, and you owe the lives of all living beings;

Borrow a realm, and you owe the fortune of an entire world;

Borrow an immortal throne, and you owe the karmic debts of all creation!

Others grow stronger the more they cultivate. The more Lin Yan cultivates, the deeper in debt he gets.

The sects see him as a root of disaster, the Heavenly Dao considers him a bad debt, and the immortals and Buddhas of the heavens want to kill him and settle the books.

But when he is bound by billions of karmic debts, Lin Yan suddenly looks up and smiles at the ages:

"Since the Heavenly Dao wants me to repay my debts... then I'll borrow eternal invincibility and use it to settle every debt across the heavens!"