The idea is beautiful, but before formal implementation, there are many urgent issues to be addressed.
For example, is there already a similar organization in the current Ten Thousand Immortals Alliance?
Will doing this touch upon others' interests and then subsequently lead to him being casually killed by powerful cultivators?
After some investigation, Li Fan was relieved.
Currently, there is no large-scale, organized lending behavior in the Ten Thousand Immortals Alliance.
One reason is that obtaining contribution points is difficult.
It's already challenging to maintain one's own cultivation, let alone having extra contribution points to lend to others.
Another important reason is that lending is easy, but getting it back is difficult.
The cultivation world is vast, and cultivators have numerous ways to hide their whereabouts.
They can easily hide in some remote mountain, enter closed-door cultivation for ten or even fifty years, and simply not return.
What can be done?
Perhaps there are powerful cultivators who can precisely locate, but they are likely focused on their own cultivation and disdainful of such distracting and unrewarding activities.
However, Li Fan is willing even if they are not.
On the way back to Mingyue Lake, Li Fan began planning for the future in his mind.
Over twenty days later, Li Fan returned to Mingyue Lake.
In about forty days, the underwater cultivation cave had been almost completed.
However, it was just some splendid buildings on the surface, with no defensive measures other than the Ten Thousand Immortals Formation Flags.
For the sake of future appearances and security, Li Fan spent another twenty thousand contribution points to purchase a complete Spirit Illusory Wave Formation from the Tianxuan Mirror.
Unlike the Ten Thousand Immortals Formation Flags, this formation cannot be moved once deployed.
It is suitable for construction near water and has effects such as concealment, protection, and defense.
Fully activated, it is said to withstand attacks from mid Nascent Soul stage cultivators.
Li Fan personally arranged it.
After the Spirit Illusory Wave Formation was successfully activated, looking at the pale blue protective cover above the underwater cave, Li Fan felt much more at ease.
With the formal completion of the cave, celebration was inevitable.
Everybody gathered at the entrance of the cave, looking at this building that had taken dozens of days of effort, their faces filled with inexplicable excitement.
Li Fan looked around and felt that something was missing.
So, he purchased a jade plaque and two jade pillars from the Tianxuan Mirror.
After placing them properly, the Sea Fixing Sword flew out from his dantian, and Li Fan skillfully wrote four large words on the left jade pillar: [Learn Mercy and Compassion].
On the right jade pillar, he wrote another four large words: [Prevent Suffering, Avert Disasters].
Finally, on the middle jade plaque, he wrote two final words: [Mingyue Palace].
Li Fan put away the blue water sword, looked at his masterpiece, and nodded in satisfaction.
As for Su Xiaomei and the others, looking at Li Fan's inscriptions, they were all moved and lost in thought.
Su Xiaomei's eyes were full of stars, while Xiao Heng and Su Changyu were also impressed by the magnificence of these words, unable to control themselves.
"Learn Mercy and Compassion, Prevent Suffering, Avert Disasters..." As the one who had been in the cultivation world the longest among them, Zhao Erbao understood the weight of these eight words better than anyone else.
So he became even more uncertain about Li Fan's cultivation level, and a hint of suspicion arose in his heart.
Li Fan led everyone into Mingyue Palace, and they began to tour this newly built cave.
Mingyue Palace covered an area of five square miles.
The main buildings were arranged in a half-cross pattern.
In the center was the Mingyue Hall, which was planned to be used for meetings and receptions.
On both sides were the residences of everyone.
The series of buildings behind Mingyue Hall were used for placing the Tianxuan Mirror, storing Dao resonance artifacts, and Li Fan's closed-door cultivation.
Currently, Mingyue Palace was still an empty shell, with no interior decoration, furniture, or anything else.
But in forty days, achieving this much already satisfied Li Fan.
Apart from the five thousand contribution points, the Heavenly Treasure Pavilion sisters as well as Sun Zhang had put in a lot of effort.
Especially Sun Zhang, who had carefully designed the layout of Mingyue Palace.
Instructing everyone to complete the decoration of Mingyue Palace as soon as possible, Li Fan went to the closed-door cultivation retreat.
Ever since Mingyue Palace was completed, his clone had been staying here.
He wasn't idling away, but instead trying to decipher the seal formation on the small black box given to Li Fan by Zhang Zhiliang.
Perhaps because this clone had stolen some of He Zhenghao's innate talent in formation, it was progressing much faster than Zhang Zhiliang had expected.
Li Fan estimated that in another half a year or so, the seal could be lifted.
He was quite excited about what might be inside.
In the next period of time, everyone in Mingyue Palace remained very busy.
While making the vast Mingyue Palace more and more substantial, more than ten thousand Dao resonance artifacts were safely transferred.
At the same time, Li Fan quietly came to Yuandao Heavenly City alone and began to spread information.
Slowly, many Qi Condensation cultivators in the Ten Thousand Immortals Alliance learned that there was an eight-hundred-kilometer Mingyue Lake on the border of the Yuandao Prefecture.
In Mingyue Lake, there was a Mingyue Palace.
With just a negligible cost, Qi Condensation cultivators could borrow Foundation Establishment techniques and treasures in Mingyue Palace to advance their foundation cultivation ahead of time.
After building the foundation, they could slowly repay the corresponding contribution points.
It's worth noting that the speed at which Foundation Establishment cultivators earn contribution points is much faster than that of Qi Condensation cultivators.
The interest of thirty-six percent per year is negligible compared to the benefits of building the foundation several years earlier.
This sounded too good to be true, so it obviously seemed like a scam.
Therefore, most Qi Condensation cultivators just laughed it off.
But as the news spread, there were always one or two cultivators who kept this matter in mind.
...
Three months later.
Mingyue Palace.
In the underground treasury behind Mingyue Hall.
Tens of thousands of Dao resonance artifacts were neatly arranged.
Li Fan was around these artifacts, setting up formations.
Due to the insufficient quantity of collected Dao resonance artifacts, a complete Dao resonance could not be reproduced at the moment.
So, Li Fan thought of a formation called the Insight Amplification Formation.
The sole purpose of this formation is to amplify spiritual energy fluctuations and the rhythm of laws to a certain extent.
Although there will be a certain degree of distortion based on the skill of the formation arranger, it is already sufficient for Li Fan to comprehend the Sea Covering Palm.
As Li Fan focused on arranging the formation, he faintly heard a voice coming from above Mingyue Lake.
"Junior Chu Xingyang requests an audience with the seniors of Mingyue Palace!"
"Junior Chu Xingyang requests an audience with the seniors of Mingyue Palace!"
Repeated several times, echoing continuously.
Li Fan smiled slightly.
After so long, finally, the first customer has come to the door.
However, he doesn't need to appear personally.
He had already made the arrangements and was quietly waiting for Chu Xingyang to show up.
...
Above Mingyue Lake, after Chu Xingyang shouted several times, he felt extremely anxious.
The sudden appearance of Mingyue Palace was mysterious as if it had suddenly emerged.
The cultivators in the Yuandao Prefecture knew very little about it.
Anyone confident enough to loan Foundation Establishment techniques and Heavenly Treasures without worrying about recovery issues must be from a powerful force.
Chu Xingyang, just a small Qi Condensation cultivator, naturally felt extremely nervous shouting loudly at the door of such a powerful force.
Moreover, he still didn't know if the rumor of borrowing techniques and treasures from Mingyue Palace was authentic.
But Chu Xingyang had no other choice.
He had to give it a try.
If he continued with the previous method of doing tasks and accumulating contribution points, it would take at least two or three years to successfully build the foundation.
Too long! It's too late!
Thinking of the scene where his childhood sweetheart was entangled with another man, Chu Xingyang's heart was filled with endless anger.
Why? Just because the other person is a Foundation Establishment cultivator, while he is just a small Qi Condensation cultivator.
Three months later, the two will get married.
He must successfully build the foundation before that.
Then, at the wedding, snatch her back!
Chu Xingyang thought with resentment.
Just as he was immersed in the beautiful fantasy of flying together with his childhood sweetheart, he suddenly noticed a figure silently appearing behind him.
After that, he found himself being lifted up without any resistance.
"Senior, spare my life! Senior, spare my life!"
Chu Xingyang hurriedly shouted.
"Don't make a fuss! You're quite old, yet your courage is so small!"
A clear, childish voice filled with innocence.
Chu Xingyang took a closer look and found that the one who restrained him was actually a girl who looked seven or eight years old, dressed in fiery red clothes!
What shocked Chu Xingyang even more was that this little girl was already at the Foundation Establishment stage!
Foundation Establishment at the age of seven or eight!
Such a young age and already at the Foundation Establishment stage. What about the others in Mingyue Palace? What level of cultivation could the owner of Mingyue Palace have?
No wonder they dare to lend out Foundation Establishment techniques and treasures without fear of recovery!
Chu Xingyang felt dizzy, and a deep sense of fear surged in his heart.
But then, he became extremely eager.
It seems that the rumor of Mingyue Palace lending techniques is not a scam!
With mixed emotions, Chu Xingyang was carried into the lake.
Passing through the blue barrier, he arrived in front of the gate of Mingyue Palace.
Chu Xingyang was shocked once again.
Learn Mercy and Compassion!
Prevent Suffering, Avert Disasters!
What courage and broad-mindedness it takes to write these eight characters at the entrance!
The more Chu Xingyang looked, the more he felt that these eight characters were extremely profound as if they contained the mysteries of the universe.
He became increasingly awed by the mysterious owner of Mingyue Palace.
Following the little girl...
No, following the senior at the Foundation Establishment stage.
Chu Xingyang bypassed the central hall and arrived at a small attic on the right.
In the attic, there were two identical-looking women sitting in front.
Graceful figures, skin as white as snow.
Their beauty far surpassed Chu Xingyang's childhood sweetheart!
Chu Xingyang couldn't help but be stunned, staring blankly.
Finally, after being slapped on the shoulder by the little junior next to him, he came to his senses.
In a panic, he quickly knelt down to apologize.
"I cannot even see the cultivation level of these two fairies. They must be Golden Core stage cultivators. How could I be captivated by beauty?"
"If I provoke their displeasure, they might...”
Thinking of this, Chu Xingyang couldn't help but shiver.
Fortunately, the two sisters did not blame him.
Instead, they asked for his name and the reason he came to Mingyue Palace.
Chu Xingyang naturally confessed everything truthfully.
After understanding the whole story, the two sisters disappeared, leaving Chu Xingyang alone with the little junior glaring at him.
Chu Xingyang was sweating on his forehead and dared not act rashly, patiently waiting in place.
...
"Sister, look at this person. After borrowing techniques and treasures, he wants to go and snatch a bride. Is this the high-risk customer that the senior mentioned? Shouldn't we refuse his request and not lend him these things?" Yin Yuzhen asked with her head tilted.
"You're wrong, little sister. Think about it. He chose to cause trouble on someone else's big day."
"Even if the bride-snatching fails, at most, he'll get a beating. They won't kill him while the marriage is ongoing."
"Besides, this person is twenty-eight years old and already at the Qi Condensation stage. He can be considered a high-quality customer, as mentioned by the senior."
"He is also the first customer to come to our Mingyue Palace..."
"Well, this business can be done."
Yin Yueting concluded.
"This is the Heavenly Treasure he wants and the cultivation technique. You go and get it from the senior."
Yin Yuzhen nodded, took the note written by her sister, and ran all the way to Li Fan's closed-door cultivation.
"I already know about this matter. Take the items and go."
Without saying a word, a storage ring flew over.
Yin Yuzhen saluted towards the inside and then hurriedly returned.
"Little sister, predict, will lending these things bring good or bad results?"
Yin Yueting asked.
Yin Yuzhen held the storage ring, closed her eyes, and sensed.
Her eyelashes trembled slightly. After a moment, Yin Yuzhen's face showed a joyful expression. "Sister, it's a little auspicious! We can lend it!"
Yin Yueting also breathed a sigh of relief, then took the storage ring and walked out of the room covered by the formation, arriving in front of Chu Xingyang.
"Medium-grade Human Treasure: [Indignant Fall]. Foundation Establishment technique: Purple Radiance Starlight."
"The two things you want are in this storage ring."
"Total value: 9500 contribution points. How do you choose to repay?"
Chu Xingyang looked at the ring in Yin Yuzhen's hand, his eyes shining.
With all his hopes for the future on this ring, Chu Xingyang gritted his teeth and said, "I choose to repay once a month, clearing the debt within three years."
Yin Yuzhen nodded, and took out a contract.
"Come, sign it, and you can take this storage ring."
Excited, Chu Xingyang glanced over the contract and hastily wrote his name on it.
"Remember to transfer the contribution points to me at this time every month. Otherwise, I'll personally come to your door to collect. Understand?"
"Don't even think about escaping. Though the cultivation world is vast, if you owe a debt to our Mingyue Palace, there will be no place for you!"
Su Xiaomei on the side stared at Chu Xingyang with a fierce gaze.
Trembling, Chu Xingyang nodded quickly, indicating that he understood.
After obtaining the storage ring, Chu Xingyang was almost moved to tears.
When he left Mingyue Palace, he bowed to the two jade pillars at the door.
Then, with a determined expression, he flew away.
"Hehe, wasn't my performance good?" Su Xiaomei, seeing that the person was gone, rubbed her face and boasted.
"But, is what we did reliable? This is 9500 contribution points! Can we really get them back? What if this person suddenly dies or runs away halfway?" Su Xiaomei asked with some worry.