Oh, so they still had to pay gold and silver treasures!

After hearing everything, the Dragon of Despair Nidhogg felt like his entire dragon self had lightened up considerably.

Gold and silver treasures were his favorite things, the most important things to the dragon race. Now, after hearing that the God of Technology wanted their gold and silver treasures, they all breathed a sigh of relief. So they were just setting a purchase threshold and planning to set some sky-high price?

That kind of cost was fair but also acceptable.

Worst case, they could just go rob or mine for more gold and silver. There should still be plenty to find at the bottom of the ocean. Compared to that, having kids was way harder.

"Just tell us directly—how much gold and silver do you need? We dragons don't have much else, but we've got gold and silver in spades," the Dragon of Despair Nidhogg said with a long exhale, his expression obviously much more relaxed.

"I don't want your gold and silver treasures. I want to use gold and silver treasures as the core to build an industry... a business that matches both 'package delivery' and the Magic Net," Ren said. He had a feeling this black dragon had misunderstood something again, but he didn't correct him. He spoke bluntly: "This business is called a bank!"

Ren quickly laid out his vision. Basically, he wanted the dragon race to establish a chain of banks in all major cities. Banks could accept deposits from residents and nobles, then lend that money out as loans to earn interest.

Additionally, the amount of money stored would be recorded in a new Magic Net feature. Everyone could see through the Magic Net how much money they had in total, and they could go to any bank to withdraw it...

Basically, he simplified and explained the complex banking system from Ren's previous life.

"Oh, I get it. It's like what the castellan of the City of Gold in your human City-State Alliance does, and what the churches often do. Someone asks to borrow 10 silver coins, they sign a contract, but only give them 9 silver coins. When the time's up, they have to pay back 13 silver coins, or the collateral gets taken."

The Dragon of Despair Nidhogg had a moment of realization. "But now there's an extra step where the money amount gets synced to the Magic Net. You're probably planning to make their transactions simpler too, right?"

It had just been made clear that after both parties made a transaction online, the dragon race would deliver the goods. Hearing this now, how could he not understand? It was to make money transactions easier too. Trading through the Magic Net would decrease or increase the numbers, and people could go to the nearest city to withdraw it.

This really was a way to make money.

The God of Technology really wasn't trying to trick them.

"Your understanding is basically correct, but our bank absolutely cannot engage in loan sharking. When someone deposits 100 silver coins in our bank, we have to give them 105 silver coins at year's end. When someone borrows 100 silver coins from us, we actually give them 100 silver coins, and at year's end they should give us back 110 silver coins."

Ren was fairly satisfied with the black dragon's comprehension ability. "Of course, these numbers are for the early stage and will be adjusted in the future. You don't need to worry about the specific numbers. You just need to open enough banks according to my requirements, then serve everyone well and implement this storage function."

"You won't touch this gold and silver?" The Dragon of Despair Nidhogg was worried again.

"Gold and silver might be very important to you mortal beings, but to us gods, it's not important. What I want to see is gold and silver starting to circulate rapidly. The faster gold and silver circulate, the faster my magic-tech industrial reform goes."

Ren's meaningful words made this black dragon with nearly invincible combat power in the mortal realm fall into thought. But soon, he understood how to make gold and silver circulate rapidly.

In the early stage, the funds in the bank would only come from the dragon race, but in the process of lending money, they'd build up an unbeatable reputation. Gradually, a large number of Magic Net users and ordinary people would also put their money in the bank.

Merchants and nobles who needed money would naturally come to borrow from them. Nobles and merchants who urgently needed money would naturally spend that money, and when they had money, they'd pay it back. Then they could return that money to the depositors.

What if some money couldn't be collected? No one could owe dragons money and not pay it back—unless they wanted to die. Even if they did owe it and didn't pay, dying was still on the table, and there'd still be collateral to make up for the loss.

Even if there really was some loss, the normally functioning parts could earn it back.

The dragon race's gold and silver treasures were just startup capital and proof to the outside world—a cornerstone showing that this bank was really, really reliable.

Because money would always flow to whoever needed it most, while other people would see the money in their hands automatically increase. So naturally, money would start circulating.

Plus, they could also spend money through the Magic Net and through the dragon race, so they'd have to deposit some of their money in the bank... Once the cycle started, not only would their money come back, but it would bring even more money.

They'd definitely profit the most from this deal. The God of Technology's goal of getting money circulating would also be achieved. People who needed loans and people who wanted their money to make money would also benefit. It seemed like this was a win-win-win business where everyone could get what they wanted most.

Most, most, most importantly, the God of Technology had a request!

If he had a request, then they didn't need to worry too much.

The Dragon of Despair Nidhogg's entire dragon self became relaxed, and he continued communicating with Ren about more detailed matters.

Things went much more smoothly than Ren had imagined. When the Dragon of Despair Nidhogg announced the Goddess of Magic and God of Technology's purpose, the Council of Elders supported it almost unanimously.

They only had to contribute some labor, and they could continuously gain more money and baby dragons. There was no better deal in the world!

The key was, they didn't even need to give up their faith.

"When do we start? Setting up these two companies should still take some time, right? Also, we'll need some human agents to help us enter the human world."

One elder-level ancient dragon didn't hesitate at all and immediately started thinking about the next steps—what they should do and how they could complete the tasks Ren had assigned as quickly as possible.

"In the City of Gold of the human City-State Alliance, the castellan's manor actually has a trace of my bloodline. They're also very good at lending money. I think we can make them our vanguard, our tools!" A golden dragon immediately made a suggestion.

"Actually, I'm not worried about the bank thing. No living being dares to owe us dragons money. If they do, we just kill them and confiscate their entire family. On the contrary, I'm more worried that dragons won't want to deliver some stuff... Flying requires stamina. We can't have dragons deliver everything, right?"

"Don't worry. Only the highest-end, highest-priced items will be handled by us. There'll be tons of griffin knights, giant eagle knights, and land transport for mid-to-low-priced goods. Plus, the currently red-hot Golden Merchant Guild on the continent will cooperate with us," the Dragon of Despair Nidhogg explained each problem one by one, laying out Ren's ideas.

If you find any errors ( broken links, non-standard content, etc.. ), Please let us know < report chapter > so we can fix it as soon as possible.