Swallowed Star: Starting with Paying Off Debts Through Physics

[Borrower: Golden Horned Beast]

[Loan: Innate Secret Technique, Clone]

[Collateral: Top-tier Earth Law talent, intermediate Space Law talent, first-rate Golden Horn Race bloodline...]

[Loan term: 100 years]

Ninety years later, the Golden Horned Beast died at the hands of Luo De.

Luo De: Another loan paid off. I'm amazing!

After transmigrating to the Swallowed Star World, Luo De became a member of the Golden Horn Race.

But the Loan System he awakened was only half-finished.

Although it let him borrow cultivation talent, Law talent, and even Innate Secret Techniques from other lifeforms,

he had to put up his own talents as collateral. And when the loan term was up, those talents would be returned to the lender as interest.

Luo De: Wouldn't that make this a one-time deal? I can only borrow once, and after that I'll have no talents of my own. How am I supposed to keep borrowing?

Fortunately, Luo De noticed something else.

As long as the lender died, he didn't have to repay the loan.

Luo De: What lender? If I kill them all, there won't be any lenders. When someone dies, their debts die with them. Get it?

[Before Luo Feng's era]