"Hmph, who knows if what you say is reliable! But seriously, if there is a real chance that I can get 10,000 points a month for nothing, and I confirm that it is safe, I will definitely be happy to store all my points and property with you!"

Once there are more people in storage, the huge interest is likely to reach hundreds of thousands or even millions, and if you want not to lose money, Lan Qiutong didn't believe that Ye Xiaokai could do it, but she still gave some positive encouragement.

"So, in order to relieve the pressure of huge interest, we have to think of a way out for the points!"

After Lan Qiutong personally admitted that such interest was attractive, Ye Xiaokai felt satisfied and was ready to take the next step of guidance, so that Lan Qiutong could completely understand how he was going to repay these interests!

"Think of a way out for the points, what is this?" Lan Qiutong was completely puzzled.

"The way out is to relieve the pressure on us to pay off the interest!" Ye Xiaokai continued to explain, "For example, we will take a part of the points stored by these people and provide them to those who urgently need sect points to exchange resources in the short term! For example, senior sister, you wanted to get 100,000 sect points before, and then buy cultivation resources to enhance your strength, but you can't help it, because your sect points are not enough!"

Ye Xiao laughed and said, you must know that Lan Qiutong didn't have so many points before!

"But now it's different! A person like you, who lacks points, can borrow 100,000 sect points from me first, and then go to get the cultivation resources you want first to improve your strength!"

Ye Xiaokai's words made Lan Qiutong's eyes light up, but she still thought about some questions: "It's not that simple, right?

"That's natural!" Ye Xiaokai nodded with satisfaction, and said with a smile: "Borrowing so many points, in addition to setting a time limit for them to repay the points, we also need to charge them additional interest!"

"For example, the more you borrow, the longer you can repay the loan, up to 10 years! Of course, the higher the interest will be charged!"

Lan Qiutong said with a smile: "I will pay it off within ten years at most, so I will definitely borrow it, and I will never be in a hurry again, after all, in ten years, as my Dao practice gets higher and higher, the level of the tasks that can be taken in the mission hall will also be higher and higher, and it will be easier and easier to get points, and it will be better and better to return it to you!"

"Haha, yes, the essence is to let people improve their strength first, and then slowly return their points! In this way, the overall strength of the academy will be improved first! It's just that everyone's pants and belts have become a little tight! But in a world where strength is respected, I believe their choice will not disappoint me!" Ye Xiaokai was full of confidence and stood with his hands down!

"Once the students of the academy understand these essences, I am afraid that only fools will go against me! Even if the deans see this new model, they will only approve of it! This is a reform that is beneficial to the entire academy!"

Ye Xiaokai raised his head and stared at the night sky, since he cultivated the Ice and Fire Heavy Heaven Technique, he felt that his comprehensive ability was getting stronger and stronger, although he couldn't know the reason at the moment, but one day he would know the truth!

"The Dao cultivation strength of the outer courtyard is low, and it is extremely difficult to start cultivating, and they usually need to use sect points! So they will borrow more! But I decided that they borrow points, and they don't need to repay interest, what we want to do is to help them improve their strength, so that they have more confidence to borrow points, instead of squeezing them!"

Ye Xiaokai was a low-level person before he came to Qinghuang Academy, and he knew too well the difficulties of these people, so he didn't want to squeeze this kind of lowest-level monk, on the contrary, he wanted to really help them.

After all, survival is not easy, and he has to be worthy of his conscience.

Lan Qiutong was deeply surprised when he heard that Ye Xiaokai had such a sense of helping the world and a big mind at such a young age, and his ruddy little mouth widened!

Such a vision, such a pattern! What a profound state of mind can be realized! At this moment, Lan Qiutong looked at Ye Xiaokai with extremely admiration, she was glad that she had made the right choice!

This Ye Xiaokai is absolutely extraordinary! Jackie Chan turns into a phoenix! Soars for nine days! The future may not be impossible!

She couldn't have imagined that she, a monk in the late stage of the Qi Sea Dao, would worship a mortal monk so much, if this was to be put to the outside world, no one would believe it!

"If you want to go to the inner court, I will set their repayment interest very high, because they are rich people, and they have the strength to borrow and repay! Of course, I won't put too much pressure on them, after all, I'm not a vampire!" Ye Xiaokai retracted his gaze and looked at Lan Qiutong, the outer courtyard was the main market he wanted to support, and the inner courtyard was the main market he wanted to make a profit!

Balance the wealth of the inner and outer courts, narrow the gap between the cultivation of all people, and purify all sentient beings!

"Xiao Kai, you ignored a little!" Lan Qiutong's face changed, and he suddenly thought of a fatal flaw in this matter!"What should I do if I meet the kind of person who borrows the sect's points and doesn't pay them back, or only borrows them and doesn't pay them back!"

People's hearts are unpredictable, if everyone only borrows and does not repay, will they not lose money!

"Hehe, senior sister, how could I not have imagined this kind of person who crows chickens and dogs? It's just that at the beginning, for the sake of publicity, I didn't set any thresholds, and I lost my money. Ye Xiaokai's face was relaxed and comfortable, and he didn't care about this loss.

Open-minded, long-term vision, and those who achieve great things do not hesitate to tip! Lan Qiutong admires more and more, how can she not know that it is not a small loss, it may be hundreds of thousands of points at every turn!

"But after a month, we need to set a threshold -- reputation points! Reputation points out of 100 points! Less than 60 points are considered failures! Failing to borrow money is prohibited! Being permanently blacklisted!"

"Not only that, but we will also disclose the information of this kind of person directly to the academy, so that the entire academy knows what kind of character they are!"

Human nature is greedy, and there are indeed a lot of scoundrels who borrow money and don't pay it back, so the best way is not to borrow a penny! Ye Xiaokai has already thought about this and will not tolerate it!

"Senior sister, the information statistics and various things in the early stage are quite cumbersome, I'm afraid you need to find some people to help!" Ye Xiaokai looked at Lan Qiutong and continued: "I plan to open a large hall in each of the outer courtyards at the same time, just call it the Treasure Palace! as the main hall!

Lan Qiutong nodded, she didn't expect Ye Xiaokai to consider such a complicated matter alone, Ye Xiaokai used her brain, she naturally had to take over the rest of the physical work!

"I hope everything goes well, I'll prepare when I go back!" Lan Qiutong was also very excited, after all, this is not a trivial matter, once it is successful, it may make a subversive change in the previous point system!

"Okay, the details, I will send it to the token, as long as the operation is successful, we will keep it, of course, there are some follow-up means, I will slowly make up for it!" Ye Xiaofa stretched his waist and drove away a trace of exhaustion.

"After that, just wait!" Ye Xiaokai's face was mysterious, and he smiled lightly at Lan Qiutong.

"Wait?" Lan Qiutong didn't understand.