X-Dragon Era

Faced with Chu Rui's persistent questioning, Xin Yun calmly filled the cup in front of her with tea and then casually said, "Actually, it's not too difficult. We just need to start a bank."

"A bank? What's that? Is it for making silver jewelry?" Hearing Xin Yun's words, Chu Rui said in surprise.

In the face of Chu Rui's guess, Xin Yun couldn't help but laugh, shaking his head, "No, no, no... The bank I'm talking about is similar to a Money Shop, where you can deposit and withdraw money here!"

"Huh?" Looking at Xin Yun with confusion, Chu Rui said, "If it's similar to a Money Shop, then why call it a bank? It's very easy for people to get confused. When people hear this name, they'll definitely think it's for making silver jewelry."

After a slight pause, Chu Rui continued, "I think Money Shops shouldn't be changed, but if we are going to change... we can add our clan name in front of Money Shop. Why not just call it Sky-opening Money House?"

"Sweat..." Wiping the sweat from his forehead, Xin Yun said with a wry smile, "What are you thinking about? I only said its functions are similar to those of a Money Shop, not that it's the same thing. If it was really a Money Shop, do you think you could complete the task I've given you with it?"

"This..." Hearing Xin Yun's words, Chu Rui immediately fell silent. That's right... If it was just starting a Money Shop, then it would be absolutely impossible to complete the task given by Xin Yun. Clearly, this bank must have some other tricks up its sleeve.

With Chu Rui listening intently, Xin Yun confidently explained, "The name 'bank' is most appropriate. After all... silver has always been the primary currency in the world, and we have a huge quantity of silver in our hands. In a way, silver has become synonymous with currency!"

"Hmm..." Hearing Xin Yun's words, Chu Rui nodded and continued, "Naming it after 'Silver' really isn't inappropriate, but what about 'bank'? Why call it 'bank'?"

Hearing Chu Rui's question, a sharp light suddenly flashed in Xin Yun's eyes. He stood up, walked to the window, and looking at the soft light outside, Xin Yun said with a smile, "Bank signifies industry, and also market trends. When 'Silver' and 'bank' are combined, the meaning undergoes a huge transformation! This... is precisely the opportunity for us to work miracles!"

Chu Rui, puzzled, watched Xin Yun by the window, feeling as if she had an epiphany, yet she couldn't completely understand, especially the connection between the bank and the task assigned by Xin Yun.

Standing at the window without turning around, Xin Yun continued as if narrating, "Silver is currency, is money; bank is industry, is market trends. When the two are linked, it means we're overseeing the industry and market trends of money and currency—they're in our hands!"

"Hiss..." Hearing Xin Yun's words, Chu Rui couldn't help but take a sharp breath, exclaiming in shock, "My God... You can't mean to monopolize the world's currency! To control the entire economy? That's impossible! No single person or power can achieve that."

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"Hmph!" Xin Yun snorted coldly, turned around sharply, and looked at Chu Rui with eyes full of confidence, "Who says it's impossible? Who says it can't be done? I've said before... in this world, there's only what you can't think of, nothing you can't do!"

Seeing Xin Yun's eyes brimming with ultimate confidence, Chu Rui said eagerly, "Quickly... don't keep me in suspense, tell me, what exactly are you planning to do?"

Smiling at Chu Rui, Xin Yun coolly said, "Before speaking of the bank, first talk about the Money Shop. What functions and characteristics do you think Money Shops have?"

"Hmm..." After pondering for a moment, Chu Rui said cautiously, "Using a Money Shop is very simple; one can deposit and withdraw money, which means that by carrying a gold note or a silver note, you can travel all over without needing to carry heavy gold and silver. Besides, although the Money Shop has some other functions, they seem barely worth mentioning."

Looking at Chu Rui with approval, Xin Yun nodded and said, "Right, very good, that's exactly right. Put simply, Money Shops are places that provide deposit and withdrawal services, and they earn a bit of interest in between. Such institutions are not enough to complete the task I've given you, but a bank is quite different!"

At this point, Chu Rui quickly focused, because she knew that what Xin Yun would say next was going to be the key to solving the entire task. There's only what you can't think of, nothing you can't do, and Chu Rui was eager to know what it could be that she hadn't thought of but would solve all the problems.

Watching Chu Rui listening with the focus of a school student, Xin Yun smiled and then began, "Money Shops are merely places to store money, while banks... are the venues for currency circulation. I say this, and you might not understand, so let's simplify it..."

Pausing, Xin Yun organized his words, then continued, "Simply put, the fundamental difference between banks and Money Shops is that Money Shops can only store and withdraw currency, but banks can create and issue currency!"

"What!" Hearing Xin Yun's words, Chu Rui stood up in astonishment, her eyes fixed on Xin Yun. Clearly... she couldn't believe what she was hearing, Xin Yun was actually looking to issue currency!

Xin Yun faced Chu Rui's gaze with a faint smile and let her look on without a single explanation. He believed in Chu Rui's intelligence; she would figure it out soon enough. Even if she couldn't understand immediately, she had to think for herself. If she couldn't understand even this, how could she operate in the future? After all... once the bank opens, it would be completely operated by Chu Rui. How could she proceed without a clear concept?