My Two Status Windows – 121
by Jessie@AFNCC
<My 2 status windows – Episode 121>
121 SP Exchange (2)
I spent 100 million SP to raise my SP trading skill to 10.
Then a message appears.
[From now on SP exchanges can be established.]
[Do you want to establish a SP exchange?]
I clicked yes on establishing the SP exchange.
What will come out…?
[SP Exchange window is activated.]
[SP exchange will be added to the system. The person who presides over this is Kim Ji-ho the spirit god.]
[Soul God Kim Ji-ho’s SP Exchange specializes in finance.]
uh….
Is it already being added to the system?
Looking at the system items I saw that a new SP exchange had been established.
Wow was this a new establishment all at once?
In addition there is something deeply moving about the fact that it is located in a system that even ministers are afraid of and it is called the ‘SP Exchange’.
So what on earth does this exchange deal with?
I heard that it specializes in financial roles…
I opened the SP exchange.
Then the exchange was just empty.
There were only a few items to choose from.
[deposit.]
[Loan.]
[setting.]
[Upgrade.]
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Deposit loans are similar to what the bank does right?
Settings and upgrades are clearly functions for me as an administrator.
First I checked them one by one.
[deposit.]
[Deposit SP to SP exchange. The SP exchange guarantees an interest rate of 1% per year. The deposit limit is 100 million SP.]
Interest 1%.
That’s very low.
If you deposit 100 million SP you receive 1 million SP.
I really wondered who would deposit money for this.
But suddenly countless messages appear.
[The minister of the 8877 world ‘!#[email protected]$#*)%’ deposited 100 million SP.]
[1732 minister ‘Albrot’ deposited 100 million SP.]
[Zeus the minister of the 17344 world deposited 100 million SP.]
[The minister of the 17344 world ‘Poseidon’ deposited 100 million SP.]
Messages start popping up like crazy.
While there are familiar gods like Zeus and Poseidon there are also quite a few gods with special characters or strange characters.
No in what world are there so many gods?
Even if it is not 100 million SP the list is quite large including the gods who deposit 10 to 20 million SP.
SP on the SP exchange fills up quickly.
Suddenly messages started popping up like crazy.
[SP exchange’s SP storage limit is 80% full. Please upgrade the SP exchange.]
[SP exchange’s SP storage limit is 90% full. Please upgrade the SP exchange.]
Oh you shouldn’t deposit money like this as if you were waiting for something…
The SP deposited in the bank isn’t mine right?
Is it possible to upgrade?
Hey I don’t know. Let’s collide first.
First I went to the upgrade section.
Then a message appears.
[You can upgrade the SP exchange using 10% of the deposited assets of the SP exchange. Would you like to upgrade the SP exchange?]
Looking at the SP exchange storage limit it is 100 billion SP.
No it was full within an hour of opening it?
I realized how many great ministers there are in this vast universe.
I can’t believe we’ll reach 100 billion in no time….
Calm your surprise and watch the message window closely.
The cost of upgrading the SP exchange is 10 billion SP.
Indeed….
They said that only 10% of the SP exchange deposit assets can be used but you have to use all of it to upgrade.
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In the end the SP exchange could only be expanded if the deposit was fully filled.
“Upgrade.”
Then a simple message appeared saying [SP exchange has been upgraded to level 2 using 10 billion SP.]
[SP deposit limit is increased to 200 million SP.]
[The total storage limit of the SP exchange is increased to 500 billion SP.]
[Interest rate adjustment is possible. The minimum deposit interest rate is 1%.]
[If the SP exchange reaches level 30 its stability is recognized and the reserve ratio can be adjusted. The current reserve ratio is 100%.]
What is reserve requirement ratio?
Ha… maybe it’s because I’ve lived a life far away from finance but I don’t know what you’re talking about.
They said the interest rate could be adjusted but it didn’t seem necessary to raise it.
That’s right….
The message window keeps popping up.
[1294194 ministers of the world….]
[373195 Minister of Realm….]
How many worlds are there in this universe?
It’s not a big fuss because the ministers come with very cheap SP and deposit it.
Even if only 1% interest was paid there was a huge influx of customers.
The SP of the exchange is gradually accumulating.
When SP was full I upgraded and upgraded again and before I knew it the SP exchange level had reached 10.
The total storage limit of the SP exchange became 50 trillion and the deposit limit per new person was raised to 1 billion SP.
50 trillion… 1 billion….
There is absolutely zero realism.
I only have about 20 million SP right now.
Hmm but even if you receive deposits like this don’t you have to lend it out to make a profit?
What’s the point of making money at a bank?
You make money by lending money and earning interest.
But the loan request…
[An SP loan request comes in from a minister in the 112341 world.]
[A SP loan request comes in from a minister of the 8471 world.]
This message starts popping up.
This is the message…
It keeps floating.
It just doesn’t appear at a glance and scrolls down as if you accidentally pressed the enter key.
I can understand why it is called scroll pressure.
Messages were constantly coming up as if there was some kind of bug.
I’m asking for a loan.
Messages start popping up like crazy wondering why there are so many people in this world.
Then he tells me to review everything.
Ahhh what is this?!
When are you going to review all of this?!
If this continues will I just live tied up in the SP exchange??
In the first place a minister from the Shiva 8471 world is requesting a SP loan. How do I know whether he will be able to repay the SP or not?
Where is the Minister of the 8471 world stuck?
How do you verify this one by one?…
Ugh it can’t go on like this.
What options are there?
Click on various selection items.
First go to [Settings].
When I clicked Settings I was able to adjust the deposit interest rate and loan interest rate.
The deposit interest rate currently set is 1%.
The loan interest rate is 5%.
The loan interest rate could be increased to 10% and deposits could be increased to 3%.
Hmm you said Hades’ loan interest rate is 20% right?
They tricked Elfrian into saying 10% and told him to pay 20%…
So even if I set it to 10% it wouldn’t be that expensive right?
Set the loan interest rate to 10% with a light setting.
Then a warning message appears.
[The loan interest rate was set excessively compared to the deposit interest rate.]
[The margin on deposits and loans reaches 9%. Do you really want to set it up like this?]
What is the deposit/deposit margin?
Ah… 1% deposit.
Since the loan is 10% does that mean you get a 9% profit?
Anyway I’m already in line for a loan.
10% is cheap.
Competitors account for 20% so what?
When I lightly set it to 10% the message appears again.
[The gods’ resistance to loan recovery increases. To prepare for this we need a strong debt collection team. Would you like to invest in this?]
Debt collection team….
This obviously refers to kids who take everything out on someone who can’t repay their debt.
Suddenly I remembered the sight of Asgard burning with white flames.
Is this related to that?
Let’s invest in this too.
I can’t tolerate you not paying me back.
Loan recovery is the most important.
When I looked at the upgrade button there was also an upgrade item for debt collection.
After investing a lot of SP the debt collection level reached LV 10 MAX.
[Debt Collection LV.10]
[When gods using the SP exchange cannot repay their debts a debt collection team is sent. SP is collected definitively up to the SSS level.]
Confirmed up to SSS level….
very good.
At this level I guess I can put my mind at ease.
When I invested in debt collection a message appeared saying that 10% of the SP exchange’s deposit assets had been used up but soon I was flooded with deposit applications from the SP exchange.
Ugh. The pressure of scrolling is too much.
Do I have to accept all of this one by one?
No there must be some kind of solution in the system.
Take a close look at the upgrade items.
When I scrolled down the upgrade section I saw an item called ‘SP Exchange Manager.’
I thought Oh this is it so I upgrade right away and 10% of the deposited SP is taken out.
[SP Exchange Manager has been created.]
Then a golden piglet started flying in front of my eyes.
The golden wings of the golden pig.
As a pig he is wearing glasses and a graduation cap.
Is this the manager?
The pig looks at me.
The eyes are very intelligent not like a pig.
When I looked into his eyes I had an intuitive feeling that this guy was somehow smarter than me.
[How would you set your investment propensity?]
Investment tendencies set as aggressive-moderate-defensive.
Hmm isn’t the middle ground the best for things like this?
Let’s set it to ‘normal’
[SP exchange manager begins activities….]
[SP exchange manager reviews interest rates….]
Oh so they’re going to lower the loan interest rate?
There is no need to lower the interest rate because there are no competitors other than Hades in the market right now…
However the SP exchange manager was smarter than I thought.
[SP exchange is monopolized. SP exchange managers recommend harsher loan interest rates to you.]
[SP Exchange Manager recommends you to level up the SP Exchange. He speaks passionately about the need to take control of the current Muju communist market.]
Meanwhile a ton of messages come pouring in from the manager.
Advice given with both myself and SP Exchange in mind.
Then when I didn’t respond right away the pig opened his mouth.
“Gulp. “Master you need to maximize your deposit/deposit margin.”
“Gulp. Master the market is yours now. An opportunity like this never comes. “Now we have to wipe out the SP market.”
“Gulp. Greed You must be greedy. “Master.”
A golden pig that keeps grunting and talking.
He spits and spits passionately and even his saliva is golden.
Wow… the pig manager is trustworthy…
I don’t know what you’re talking about… Shiba….
If I had known this would happen would I have studied finance?
My face is reflected in the eyes of the golden pig.
Stupid expression.
It’s really fierce.
He came all the way to the Soul God but his head was completely shaken by the pouring financial information.
Ah… this isn’t it…
[Would you like to entrust the operation of the SP Exchange to the SP Exchange Manager? An additional 1% of dividend income from the SP exchange is granted to SP managers.]
If I do it myself I will eat 100% but if I leave it to this pig will I eat 99%?
They said they would give 5% to Hercules so it’s 95 94%…
ha….
Yes this should be done by experts.
Until you study finance let’s leave it to the pigs for now.
When I clicked yes the golden pig nodded with a confident expression.
“Gulp. Master please leave it to me! “I will make you rich!”
“Are you coming?”
Until we gain more knowledge in this area let’s leave it to the pigs for now.
As I leave it to the golden pig it automatically starts upgrading various things.
However since all confirmation messages appear to me I have the final decision.
First I pressed yes to give strength to the pig.
Then the golden pig bowed its head to me.
“Gulp. Master thank you for giving me such full confidence. “I will definitely repay you. Gulp.”
“Well please make the most profit. “That way it’s good for you and it’s good for me.”
“Gulp of course. “It’s a good opportunity to exploit the ministers… clack… Those cheap ministers… clack clack… They must have called me a pig… clack clack clack…”
hmm….
I don’t think the ending was a pig’s grunt.
You probably heard it wrong.
“Gulp. “Master then I will go and concentrate on operating the SP Exchange.”
“Oh come on in.”
“Gulp. Yes we will provide you with a report every day so we recommend that you keep an eye on it. “You can’t lose sight of the flow. Gulp.”
The pig bowed its head towards me and disappeared.
They say they report on their children every day so it seems trustworthy.
Good choice.
“Hehe… shall we go home?”
It will take some time to find out what kind of income you can earn.
Maybe it was because I had to wait 30 days to enjoy the mentoring effect at Eshtar but I kind of missed home.
There is no need to toil here anymore so let’s go home and rest for a day or two.
“The Return of Heimdall.”
The house I arrived at using Return.
Compared to the vast space the desolate landscape was just like my home.
But there was something different from usual.
It has a subtle coffee scent.
I felt familiar so I looked at the sofa and saw a familiar person sitting there.
hmm. Are you here now? “I’ve waited quite a while.”
“…Loki?”
A handsome man with black hair.
At first glance she is so beautiful that one might mistake her for a woman.
She disguised her face as a volcano goddess and tricked me…
When did this bastard break in and drink coffee from my teacup?
“Hey is this our house?”
“Hey where is my house and your house between us?”
“The relationship between us is frozen… Why did you come?”
When I snapped Loki who had finished slurping his coffee jumped up.
“The business is simple… Isn’t it because of the SP exchange?”
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