"Lighthouse wizard?" Roland was stunned for a moment, and then suddenly realized: "Yes, your Beacon Mountain is open to the Arcane Bank, and if the spell slot is not enough, you can borrow it from the bank, and now the resources required by the high-level instant supermagic will be solved!" ”

Nikita nodded and smiled: "You are very smart, but the bank is not stupid, the more you borrow, the higher the interest I have to pay." Pen? Interesting? Pavilion wWw. ｂiquge。 ｉｎfo”

Roland was very interested in the operation of the Alfa Bank, and hurriedly asked: "How is the interest calculated?" ”

"It's complicated, and for the sake of understanding, we'll have to exchange the spell slots for 'Arcane'." Nikita patiently explained to him, "'Arcania' is the virtual currency of the Arcane Bank, which is only used to measure the value of spell slots, and there is no fixed exchange rate between them and real gold and silver currency, specifically 1 ring spell slot corresponds to 1 arctocoin, 2 ring spell slots correspond to 3 arctocoins, and 3 ring spell slots correspond to 5 arctocoins...... And so on, until 9 rings spell slots correspond to 17 arcane coins, can you understand that? ”

Roland nodded, "I understand, you went on to talk about the relationship between Austrian coins and interest. ”

"The calculation of the regular loan interest is like this: convert all the spell slots you borrow into Austrian coins, and you need to pay bank interest of 1 gold coin per day for every 1 Austrian coin, which shows that the higher the spell level of the loan, the higher the interest paid."

Roland nodded again and again: "I see, to put it bluntly, it is to monetize spell bits, so the next question is, how big is the coverage of your banking network?" Is it part of the Magic Web, or does it operate independently of the Magic Web? ”

Nikita hesitated for a moment, and said vaguely: "The Alpha Bank network is actually not directly related to the magic network, this kind of network only exists between the bank and the customer, and it can quickly complete the deposit and loan process and record it, but it does not cover the entire universe like the magic network, and the power of all the legendary spellcasters of our Far Eastern Lighthouse can only radiate the network to the surrounding thousands of miles, and if I leave the Far Eastern realm, I will not be able to store and borrow spell slots so conveniently." ”

When she mentioned "all legendary spellcasters", her eyes drifted to the side, and she looked a little weak. Can a legendary mage alone construct an arcane network that simulates the magic web? The real answer to this question was clear to her, but she couldn't say it.

Roland didn't pay attention to her subtle demeanor and laughed: "It turned out to be a local area network!" ”

"LAN?" Nikita looked dazed.

Roland knew that he was speechless, and hurriedly changed his words: "Uh, it's just an analogy, you don't have to care, tell me about the Orfa Bank, I know the interest rate algorithm, so how is the repayment period stipulated?" ”

"The basic repayment period is 1 month, and if the principal and interest cannot be repaid within 30 days, the credit rating will be downgraded by Alfa Bank, and the interest will be doubled, and if the principal and interest cannot be repaid within 2 months, you will receive a serious warning and demand letter from Alfa Bank; If you are in arrears for more than 3 months...... Then wait for the thugs hired by Offa Bank to come to collect the debt, and they never mind using violence against the debtor. ”

"As you improve your credit rating at Alpha Bank, the repayment period will be extended accordingly, if you are promoted to a 'valued customer', from life to financial management, Offa Bank will provide you with considerate services;

Roland was amazed when he heard this: "The magic master's brain is better than ordinary people, and he actually came up with the brilliant idea of using spell slots as virtual currency for financial investment, as if running into the rhythm of capitalism." ”

"You're such a strange person, you always say things I don't understand," Nikita flattened her mouth to express her slight dissatisfaction, and continued: "Actually, the institution of the Alpha Bank is not new, but it is rare that the Far East is too poor and remote, and there are larger Alpha Banks in the interior of the Empire, especially the Marquis of Fizhen, which is the holy land of mages, not only the privately run Alpha Bank, but also the national banks, city banks, policy banks and sovereign investment funds entrusted by the government to the Alpha Association, and the competition is fierce. I heard that there are stock stock exchanges, options and futures exchanges, etc., where you can buy and sell securities and futures with Austrian currency, and some people get rich because of a successful speculation, and some people go bankrupt overnight, which is really exciting. ”

Miss Mage described the depraved and decaying world of flowers outside, and a look of yearning appeared in her eyes, and Roland couldn't help but recall the demeanor of the business school girls when they talked about Wall Street.

"Is Lighthouse Bank the only Austrian financial institution in the Far East?"

"It's a pity that it's not ......," Nikita's face darkened, "in fact we have a sworn enemy and biggest competitor called the Twilight Fund. ”

"Twilight Fund ......" Roland curled his index finger and rubbed his chin, muttering, "It sounds a little familiar, it seems to have something to do with the 'Naraku Order'." ”

"It's not just something to do with it, it's basically a 'white glove' set up by the Naraku Order to sell stolen goods." Nikita pursed her lips disdainfully, "If these guys don't do good things, sooner or later they will turn the Far East upside down." ”

"It's true that peers are enemies."

"I'm not careful, the Naraku Order didn't plan to run the Offa Bank properly, you know, their borrowing interest rate is very high, three times that of our Far Eastern Bank, not to mention it is still calculated according to compound interest!"

"Then who dares to borrow it?" Roland was stunned, isn't this an obvious usury.

"Absolutely, because they have three times our credit authority!" Nikita sneered and said, "There is always some self-righteous people in the world, who believe that high risk can bring high returns, and when the risk becomes a reality, they will be dumbfounded, and they will be forced to do some shady deeds for the Naraku Order to pay off their debts, and once they get on the thief ship, they will not be able to get off." ”

When Roland heard her words, he immediately remembered the speculative tragedies he had heard and witnessed before the crossing, the "leeks" that had been harvested in the stock market, the foreign exchange market, and the futures market, and he couldn't help but have mixed feelings in his heart, there was really nothing new under the sun.

Sighing, he then asked Nikita, "I heard you mention the credit limit repeatedly, can you elaborate on it?" ”

Nikita nodded happily and gushed: "We divide customers into four credit ratings, the higher the credit rating, the larger the loan limit for customers, whether it is a deposit or a loan, it is measured in Austrian coins. As she spoke, she picked up a twig and laid out a few lines of equations on the sand.

Beginners: Daily Loan Limit (Austrian) = Caster Level (CL)

Intermediate users: Daily Loan Limit (Austrian) = 2x Caster Level (2xcl)

Advanced users: Daily Loan Limit (Austrian) = 4x Caster Level (4xcl)

VIP Customer: Daily Loan Limit (Austrian) = 10x Caster Level (10xCl)

"Got the idea, forgive me for taking the plunge, what's your credit rating at Lighthouse Bank?" Roland asked Nikita curiously.

The Witch in Red smiled slightly: "I am a high-level customer, and my daily credit limit is four times the mage level, which is 28 arcane coins, and I can use these arcane coins to combine lending modes at will, such as borrowing 28 one-ring spell slots, or borrowing 4 four-ring spell slots, or 3 four-ring spell slots plus 7 one-ring spell slots, but there is one rule that must be adhered to - all borrowed spell slots cannot exceed the current casting ability." For example, a five-ring spell slot is only 11 arcs, but I can't add it to the loan plan because my mage level is not enough to cast a five-ring spell. ”

Roland couldn't help but wonder: "You are not a highly respected archmage, why is the credit limit so high?" Doesn't Beacon Bank take into account your actual ability to repay? ”

This is similar to the indiscriminate issuance of credit cards by some commercial banks in refugee camps, where refugees have strong spending power but no income security, are they not afraid of malicious overdrafts?

Nikita shrugged her shoulders and replied nonchalantly: "Lighthouse Ofa Bank does not need to worry about my ability to repay at all, because their chairman, Mr. Andre Cairns, will endorse every cheque I write. ”

"You're talking about the legendary archmage 'Red Robe' Andre?"

Nikita let out a reserved "um", "He's my dad." ”

"......" the corners of Roland's mouth twitched, and his heart said that it was no wonder.