
S. Cipher
Author
Novels by S. Cipher

Becoming a Money God with My Kickback System
Abandoned by their father and left alone when their mother died, Chase Locke and his sister Lily fended for themselves. Now he works as a waiter to pay for her stage 4 treatment, while his girlfriend cheats on him, his boss treats him like dirt, and his landlord throws him off the fourteenth floor.
As he dies, the Kickback System awakens. The more he loses unfairly, the more he gains, and every sacrifice returns as a fortune!
Reborn on the same day, Chase vows to punishes everyone who ever wronged him, saves his sister, and turns a dying company into an empire. But money brings enemies, and each victory drags him deeper into a war he never chose.
Then a secret from his past comes knocking, and the one person who could explain it has been watching him all along.
[Ding! Mandatory Mission Triggered]
[Mission Objective: Voluntarily liquidate all acquired assets and return your bank balance to zero.]
[Reward: Unknown / Locked until completion]
[Refuse, and the host loses the one person he swore to protect.]
Ongoing · 15 views
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Chapter: Chapter 8
Chase hailed a cab, and soon he arrived at Crown Ledger Bank.True to its name, the bank was a titan of a structure, with tall marble pillars and golden letters above the entrance. It was clear that the city's elite came here to deposit and do all sorts of transactions. Chase walked inside and was immediately met with a sight."Please! My business just needs one more month, and it will start producing fruits! You see, I promise you!"A man was on his knees, begging with his whole heart.Chase looked the man up and down. He was wearing nothing but a white shirt and boxers. His phone, his remaining suit, and his wallet lay on a desk nearby as if they were being processed."No. An extension cannot be granted," a ruthless man in a grey suit said, his arms crossed adamantly. "You have already exceeded your deadline more than three times. We don't grant more extensions. Now the full hammer of judgment will come upon you.""No, please! I will produce results!""Security!" the man called, and
Last Updated: 2026-09-30
Chapter: Chapter 7
The next day came almost immediately, and Chase woke to the sound of his phone ringing."Good morning, sir," a man's voice said on the other end. Chase didn't recognize it."Who is this?" Chase asked."My name is Lucas, sir. I am your personal assistant at Northline Logistics. Miss Vanessa just handed the arrangement over to me," he said."Oh, I see. Is there any issue?" Chase asked."Well, sir, there is a company meeting scheduled this morning, and I wanted to know if I should come and pick you up.""Never mind. Tell them I'm coming now," Chase answered, and he got up to get ready.Since he was entering an office, a suit would have been the appropriate thing to wear, but he still didn't have the time or the money for one. So he grabbed his normal grey T-shirt and a pair of jeans.He left the apartment, hailed a cab, and told the driver where to go. The drive wasn't far, and when the cab pulled up in front of the company building, he raised an eyebrow in surprise.The building was big
Last Updated: 2026-09-30
Chapter: Chapter 6
Chase didn't answer the call the previous night. Instead, he went back to his apartment to rest. The apartment had been put back in order. The floorboard was fixed, the broken furniture was replaced, and a note lay on the table with a receipt showing that his rent arrears had been cleared, down to the last penny. There wasn't a single speck of dust.The next morning came quickly, and Chase was thinking about going to see Lily when the roar of an engine outside pulled him to the window.A Rolls-Royce had stopped in front of his building.Chase was surprised. His neighborhood was run-down, not a place where anyone with money ever came. The sleek black car looked completely out of place, and it immediately sparked the curiosity of the neighbors.The driver hurried around and opened the back door. The woman who stepped out was extremely beautiful. Her hair was combed to the side and held in place with a headband. Her eyes were big and blue, her nose was pointed, and her lips were full. S
Last Updated: 2026-09-30
Chapter: Chapter 5
Chase took a cab from the hospital back to the restaurant that night.He hadn't thought much of Jerry's message, but he already knew what was waiting for him.The moment he stepped through the front door, he saw it. The restaurant had been arranged like a courtroom. Every table was full, the waiters stood in a line along the wall, and two security men stood at the door, blocking the exit behind him. Jerry had gathered everyone to witness the spectacle. Chase also noticed that the dining guests were going to be part of it."You!" Jerry said, still steaming. "You think you can walk out on me?""Are you always red like a tomato?" Chase asked nonchalantly."You can keep joking if you like, but everyone here is waiting to hear your punishment!" Jerry snapped his fingers, and a waiter held up a long sheet of paper. "Damages to Mr. Silverberg's reputation, lost customers, compensation for the incident, and the restaurant's image. Eighty-five thousand dollars!"He threw the bill onto the floo
Last Updated: 2026-09-30
Chapter: Chapter 4
Chase didn't waste any time flagging down a cab. Within twenty minutes, he was in front of the hospital.He rushed into the building. Everyone turned to look at him in surprise, but he paid no attention to them. He stopped the first nurse he saw."I need to see the MD right now!""R-right this way, sir," the nurse said, and Chase followed her to the office.Inside, Dr. Evans, the hospital's MD, had a visible worry on his face. It only made Chase's heart sink."How is my sister?" Chase asked. "What is her condition?""We increased the dosage of her regular medication, but it doesn't seem to be working," Dr. Evans said. "We also don't have enough personnel to handle her seizures and continuous monitoring. So we need you to add an additional amount, so that we can afford the specialists and equipment she needs."His assistant nurse, who was already in the room, strolled over and handed Chase the bill.Chase looked at it and was surprised by how much the price had shot up. Six hundred and
Last Updated: 2026-09-30
Chapter: Chapter 3
Chase shot up from his bed, pulling air into his lungs, his hand pressed against his chest as he steadied his breathing.He could still remember how agonizing it had felt to breathe after he was thrown off the fourteenth floor.He looked over his entire body. There was no blood, no broken bones, and not a single scar. He was still in his bedroom.It seemed his choice had come to pass. "What is this?" Chase muttered, looking around. Everything in the apartment seemed ordinary.But it was because he hadn't adjusted it all. Today should have been the end of the worst day of his life. Instead, it was only the beginning.Ding!A mechanical tone rang out, and a transparent screen appeared in front of him. Chase blinked twice. The screen was still there.[Welcome, Host Chase Locke.][Base Stats: Strength 5, Speed 5, Stamina 4, Luck 1.][Rule of the Kickback System: The more you lose unfairly, the more you gain. Every sacrifice returns as a multiplier.]"Awesome!" Chase said finally, after
Last Updated: 2026-09-30
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