"In just a hundred years, the interest isn't much!”
Looking at his character panel, Lin Fan's expression was calm.
The interest from the system seemed to be very little!
However, don't forget that in the Primordial World, time was the least valuable!
Moreover, the interest was increasing exponentially!
For example.
He had saved a million merit points. According to the fixed interest rate, it would take him 360 years to save up, which would be close to 1.2 million!
According to the fixed interest rate, that was to say, if he saved 10,800 years, with interest, it would be an unimaginable 40 billion!
Yes, it was!
That was more than 40 billion Heavenly Merit Points!
Lin Fan was confident that if he could have so much Heaven's Merit Points, he would probably be able to kill a Primordial Heaven's Path Saint with a single punch!
This was the invincibility of an exponential explosion!
In other words.
As long as he could survive for ten thousand years, he would be invincible in the Wilderness!
" Ten thousand years is neither too short nor too long. However, the Cultivation Tribulation is too dangerous. Although I have the Golden Wheel of Merit, I can only protect myself and ensure that I don't die. It can't change anything!”
Lin Fan mumbled.
The Merit Golden Wheel sounded invincible.
However, if the enemy was on guard, it would be useless.
For example, ignoring him.
If Guang Chengzi had known that he had the Merit Golden Wheel, he would have just ignored him.
Even if a puny Heaven Immortal Cultivator like him unleashed his full strength, he couldn't stop Guang Chengzi at all!
"I still have to increase my cultivation!"
With that thought in mind, Lin Fan's gaze landed on the countless Spirit Treasures and Spirit Roots in his storage dimension. A hint of joy surfaced in his heart.
Compared to merit and cultivation, these collateral items were the biggest part.
This deposit system was the same as a bank. It could also be used as collateral.
The more valuable the item was, the higher the loan he could get.
Moreover, it could be redeemed at the original price.
The collateral column showed the batch of spiritual treasures that he had obtained from Guang Chengzi.
The Flipping Sky Seal, the imitation of the Apricot Yellow Flag, the imitation of the Mountain River Map, and so on were all products of the Chan School, which was good at refining weapons. More than a hundred spiritual treasures added together were worth a lot.
Not to mention the interest, just the loan that could be secured was an astronomical figure.
At that time. Saving it up and eating the interest was simply wonderful!
Furthermore, even when the time was up, Lin Fan had no intention of returning these things.
The Heavenly Dao Oath had a very strong binding effect on the cultivation in the Primordial World.
However, it was useless to him because the system had blocked it.
" System, mortgage everything!"
Lin Fan shouted out in his heart.
"Ding…mortgage successful!"
"Calculating the value of the collateral. Currently, a total of 12.5 million Great Dao merit points can be used as collateral.”
The system's voice soon sounded.
When Lin Fan heard that, he was shocked. His eyes lit up.
There was actually a reward, and it was more than 10 million Great Dao merit points!
The effect of Great Dao Merit was almost immeasurable. It was even more precious than Heavenly Dao Merit.
Most importantly…
If he refined all of it, there would be no side effects at all.
Previously, Lin Fan had used a million points of Heaven's Merit Points to form a Merit Golden Wheel, forcing Guang Chengzi to such a state. It was evident how effective it was.
And with these 10 million Great Dao Merit Points, Lin Fan would be able to successfully form the second Merit Golden Wheel.
The first layer of the Merit Golden Wheel required one million merit points to increase the speed of cultivation by ten times.
The second layer of the Merit Golden Wheel required tens of millions of merit points to increase the speed of cultivation by a hundred times.
As long as he had enough merit points, he could continue to condense them in the future.
This kind of enhancement was not just a simple increase in the speed of magic power, but a comprehensive improvement in all aspects of a cultivator's comprehensive quality, such as comprehension, luck, and so on. It was extremely terrifying.
"What a great harvest."
Lin Fan's expression didn't change, but he was screaming in his heart.
The joy of obtaining ten million Great Dao Merit Points was even stronger than obtaining Guang Chengzi's batch of Spiritual Treasures.
"First, condense 10 million Great Dao merit points!”
Lin Fan did not hesitate at all. With a single thought, he summoned that boundless power and condensed it into a Merit Golden Wheel.
Boom ~~~
A golden river surged out, releasing thousands of golden lights. It was majestic, majestic, and upright, emitting a terrifying aura that was invulnerable to all evils and eternal. It was the Power of Merit that everyone in Untainted Land dreamed of.
Under Lin Fan's control, it continued to condense and compress. With a buzz, it turned into a huge golden wheel that hung behind his head. It emitted a trillion rays of light that illuminated the Greater World and the Primordial Universe.
There were even many Great Dao Divine Carvings on it that turned into pictures of True Dragons, Phoenixes, Kun Peng, and so on. They were all extremely lifelike, as though they were describing the profundities of the Great Dao of Heaven and Earth, making Lin Fan look like a Saint.
"The second layer of the Merit Golden Wheel has been successfully formed!”
Lin Fan's expression was calm, but his heart was filled with excitement.
"With these two Golden Wheels of Merit, I can try to replace my legs with that innate spiritual root.”
Lin Fan's eyes were deep as he flipped his palm over. The second generation immortal apricot with a middle grade spirit root appeared in his palm.
In the Wilderness, one's background was extremely important.
With Lin Fan's current state, no matter how he cultivated, the upper limit was locked. He could only cultivate to the Golden Immortal state.
Only by finding a way to transform himself could he go further in the future.
However, the matter of replacing the legs was very important. He could not be careless at all. He needed to find an absolutely safe place to carry out it.
Even though Lin Fan was looking forward to it, he still suppressed his excitement and remained calm. He wanted to make sufficient preparations before he transformed.
As for the Nine Revolutions Golden Pill and other items, Lin Fan did not use them as collateral. These things were very useful in the short term and were not suitable for collateral.
Moreover, he had left behind two Postnatal middle-grade spirit treasures that he could use for self-defense. One of them was the Seven Stars Spiritual Light Armor, which had extremely powerful defense.
The Big Dipper Ancient Sword was used to attack, and its offensive power was extremely powerful.
They were all outstanding among the Houtian middle-grade spirit treasures.
With his current cultivation at the Heaven Celestial Stage, this was already completely enough. If there was more, he would not be able to refine it at all.
"Let's find a place to transform."
After counting his gains, Lin Fan prepared to leave.
However, something unexpected happened!
The scene around him suddenly turned upside down. When everything calmed down, Lin Fan realized that he was already standing in a palace.
In front.
A figure was sitting on the Cloud Platform with the Qingping Sword on his back. He was looking at him with a smile.
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