2026-10-22 17:48:33The cool afternoon breeze rustled through the trees along Financial Avenue, but Ayan felt a surge of warmth and absolute clarity. The high of spending $250,000 on a whim was still buzzing through his veins, but the real thrill was seeing $25,026,222.50 resting in his bank account.
He wasn't just a broke student trying to survive until the end of the week anymore. He was a multi-millionaire in liquid cash.
However, holding tens of millions of dollars in a basic student checking account was bound to trigger security flags, freeze transactions, or cause unnecessary headaches. To move money smoothly and unlock high-tier financial power, he needed a private wealth manager and an upgraded account status.
Ayan walked up the grand granite steps of Royal Trust Bank—the premier private financial institution in Riverdale City. The building was an architectural marvel, featuring towering marble pillars and bulletproof glass facades.
Pushing through the revolving brass doors, Ayan stepped into the opulent main lobby.
The main floor was packed with ordinary citizens standing in long, slow-moving queues in front of bulletproof teller counters. On the far left, separated by a plush red velvet rope and guarded by private security officers, sat the VIP Private Wealth Management Lounge. It was a serene sanctuary with Italian leather sofas, crystal chandeliers, and private coffee bars—reserved exclusively for clients holding a minimum liquid balance of $1,000,000.
Ayan bypassed the long lines and walked straight toward the VIP velvet rope.
A tall, sharp-looking security guard in a dark uniform immediately stepped into his path, extending a gloved hand politely but firmly.
"Good afternoon, sir," the guard said, eyeing Ayan's youthful face. "This path leads to the private VIP banking lounge. May I see your Black Diamond Membership Card, or do you have a scheduled appointment with a Senior Portfolio Manager?"
Before Ayan could answer, a crisp click-clack of high heels echoed nearby.
A sharp-featured woman in a tailored dark blue pencil suit and gold rimless glasses walked over, holding a leather folder. Her name badge read Patricia - Senior Wealth Management Director.
Patricia glanced at Ayan. While his charcoal suit was undeniably high-end, his face was unfamiliar among Riverdale’s well-known socialites and business tycoons.
"Is there an issue here, Marcus?" Patricia asked the guard, her voice dry and businesslike.
"The gentleman wishes to access the VIP lounge, ma'am," the guard reported.
Patricia turned her gaze to Ayan, assessing him with a keen, critical eye. "Sir, our VIP lounge caters strictly to high-net-worth individuals. The minimum threshold to open an account in this wing is $1,000,000 in liquid assets. If you are here for student loans, standard deposits, or card replacements, please take a ticket from the dispenser near Counter 4."
It was a polite, professional rejection—yet the condescension underlying her words was clear. She assumed he was another ambitious youth trying to sneak into the VIP area for clout.
Ayan didn't get angry. He simply smiled faintly and reached into his coat pocket.
"I'm not here for a standard account, Director Patricia," Ayan said calmly. "I need to upgrade my status, process a private transfer, and assign a dedicated financial team."
Patricia sighed softly, adjusting her glasses with a look of mild impatience. "Sir, claiming to be a high-net-worth client without verification is a violation of our lobby policy. Unless you can present verifiable proof of funds right now—"
Ayan pulled out his standard blue debit card and tapped it directly against the gold VIP verification terminal mounted on the wall.
BEEP!
[VIP SYSTEM SCANNING...]
For a brief second, the terminal screen flashed blue. Then, the entire system chimed with a loud, pleasant golden chime!
DING-DONG!
[VERIFICATION SUCCESSFUL]
[ACCOUNT TIER: LEVEL-1 HIGH NET WORTH]
[LIQUID CASH BALANCE DETECTED: $25,026,222.50]
The automated, polite voice of the bank’s central AI echoed softly across the quiet VIP entrance:
"Welcome, Valued VIP Client. Your total liquid assets exceed Tier-1 threshold. Priority service initiated."
Patricia froze mid-sentence. Her hand stopped dead in the air, her pen slipping through her fingers and clattering onto the marble floor. The security guard stood frozen like a statue, his eyes nearly bulging out of his head!
Twenty-five MILLION dollars! In pure, unencumbered, liquid cash! Not tied up in real estate, not locked in volatile stocks—actual cash sitting in a checking account!
[DING!]
[Shock Value Detected! Caused extreme shock and utter disbelief to a Senior Bank Director!]
[System Reward: 400 System Experience Points & 1x Financial Authority Aura!]
Patricia’s dismissive expression melted away in a microsecond. Her face turned bright red with deep embarrassment, immediately replaced by a deeply flattering, almost submissive smile. She bowed so low her blazer nearly touched her knees.
"M-Mr. Ayan! Merciful heavens! Forgive my absolute blindness!" Patricia stammered, her voice trembling violently as she practically scrambled to open the velvet rope herself. "I had no idea you possessed such incredible capital! Please, forgive my utter incompetence!"
"Lead the way to your office," Ayan said indifferently.
"Yes! Right away, sir! Please step this way!" Patricia gushed, gesturing frantically toward the private glass elevator.
Inside Patricia’s lavish private office overlooking the city center, she personally poured Ayan a glass of top-grade aged Scotch, her hands shaking so badly the crystal decanter rattled against the glass.
"Mr. Ayan, I have immediately upgraded your account to our highest tier—the Black Diamond Sovereign VIP status," Patricia explained respectfully, opening a velvet-lined box and presenting a heavy, matte-black titanium card with silver laser engraving. "This card grants you zero transaction limits, 24/7 dedicated concierge services, and instant international wire approvals."
Ayan picked up the heavy black card, feeling its cool metal weight in his palm. "Good. Now, I want to test its transaction efficiency."
"Whatever you command, sir!" Patricia said eagerly.
Ayan remembered his old landlord—a greedy, foul-mouthed man who had threatened to throw his meager belongings onto the muddy street yesterday over two days of delayed rent.
Ayan opened his banking app, typed in his former landlord’s account details, and entered a figure: $50,000.00.
Under the transfer note, he typed: Ten years of advance rent. Keep the change and lose my phone number.
Tap.
[TRANSFER SUCCESSFUL: $50,000.00]
[DING!]
[System Alert: You spent $50,000.00 on housing/rent! Triggered 100x Cashback Multiplier!]
[Amount Received: $5,000,000.00!]
BZZZ!
His phone vibrated softly in his hand:
[Bank Notice]: Your account ending in ****8821 has received a transfer of $5,000,000.00. Remaining balance: $29,976,222.50.
Five million dollars cashback!
Ayan leaned back in the plush leather chair, a cold, satisfied smile spreading across his face. Spending money wasn't an expense for him—it was a goldmine!
Patricia, seeing the confirmation code on her master monitor, bowed once more. "Your transaction was executed in 0.2 seconds, Mr. Ayan. Is there anything else Royal Trust Bank can do for you today?"
"Make sure my limits are completely unlocked for supercar dealerships," Ayan said, standing up and sliding the Black Diamond Sovereign card into his suit pocket. "I’m going shopping."
"It shall be done immediately, sir!" Patricia bowed him all the way out to the front doors.
Stepping back into the bright sunlight, Ayan pulled out his phone and tapped the map app.
Current Balance: $29,976,222.50
"Nearly thirty million..." Ayan muttered, his eyes burning with a sharp, predatory glint.
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BUYING THE VILLA
The green Lamborghini Aventador SVJ carved through the winding mountain highway, its dark-green matte finish gleaming under the afternoon sun. As the noisy city streets faded into the distance, the air grew crisp, clean, and quiet.Ayan adjusted his grip on the leather-wrapped steering wheel. With over $105 million sitting in his bank account, driving back to his cramped, humid attic room in the slums was out of the question. He needed a residence that matched his rising status—a place offering total security, complete privacy, and unyielding grandeur.He tapped the touchscreen console on his dashboard, setting his destination to Starlight Villa Estate.Starlight Villa was Riverdale City’s most prestigious residential mountain sanctuary. Built along the crest of Mount Solitude, it was a gated paradise reserved exclusively for top-ranking political figures, international business moguls, and hereditary wealthy tycoons. Every property within the estate spanned thousands of square fee
THE JEALOUS EX
The deep, throat-rattling roar of the dark-green Lamborghini Aventador SVJ echoed down Riverdale Boulevard, drawing the eyes of every pedestrian and driver in sight. Inside the carbon-fiber cockpit, Ayan leaned back against the hand-stitched leather seat, one hand resting casually on the steering wheel.The feeling of stepping on the gas pedal of a $750,000 beast was intoxicating, but the real rush was looking at his phone’s banking notification.Current Balance: $104,226,222.50Over one hundred million dollars.Ayan let out a faint, quiet laugh. Just forty-eight hours ago, he was frantically searching under his bed cushions for spare quarters to buy a instant cup of noodles. Now, he had more liquid cash than most mid-sized corporations in the state.BZZZ! BZZZ! BZZZ!The center console’s digital display suddenly flashed red, interrupting his music. An incoming call notification lit up the screen.The screen displayed an unsaved number, but Ayan knew those eleven digits by hea
THE SUPERCAR SHOWROOM
The afternoon sun blazed down on the glass facade of Apex Motors, the city’s premier luxury and exotic supercar dealership. Inside the air-conditioned, two-story showroom, multi-million-dollar Ferraris, McLarens, and Lamborghinis gleamed under warm indoor spotlights, reflecting off the polished white tile floor.Ayan arrived in a high-end luxury taxi, stepping out right in front of the showroom's glass doors. He adjusted his tailored charcoal suit, checking his watch. His bank balance stood at a staggering $29,976,222.50. Just as Ayan approached the glass doors, the sharp screech of high-performance tires echoed from the parking lot. A deep blue Porsche Panamera pulled aggressively into the VIP spot right near the entrance.The car doors swung open. Out stepped Richi, wearing a casual designer hoodie, holding a set of Porsche keys in his hand. Beside him was Riya, carrying several shopping bags from their earlier outing, though her expression was still visibly shaken from the hu
CASH IS KING
The cool afternoon breeze rustled through the trees along Financial Avenue, but Ayan felt a surge of warmth and absolute clarity. The high of spending $250,000 on a whim was still buzzing through his veins, but the real thrill was seeing $25,026,222.50 resting in his bank account. He wasn't just a broke student trying to survive until the end of the week anymore. He was a multi-millionaire in liquid cash. However, holding tens of millions of dollars in a basic student checking account was bound to trigger security flags, freeze transactions, or cause unnecessary headaches. To move money smoothly and unlock high-tier financial power, he needed a private wealth manager and an upgraded account status.Ayan walked up the grand granite steps of Royal Trust Bank—the premier private financial institution in Riverdale City. The building was an architectural marvel, featuring towering marble pillars and bulletproof glass facades.Pushing through the revolving brass doors, Ayan stepped
BUYING THE ENTIRE STORE
The afternoon sun blazed over Golden Plaza Mall's premier luxury boulevard, casting long shadows across the pristine marble walkway. Ayan walked with measured, unhurried steps. His tailored charcoal suit caught the light with a subtle silk sheen, and his sharp, enhanced gaze absorbed every detail of the high-end shopping district around him.Having over $276,000 sitting in his bank account was only the beginning. To escalate his System level and expand his influence, he needed to make massive, eye-watering financial transactions. Ayan stopped in front of Gilded Crown, the most extravagant multi-story flagship store in the city. Known for housing exclusive haute couture, limited-edition diamond-encrusted accessories, and custom leather goods, the store served as a playground for Riverdale’s most influential families. Through the massive floor-to-ceiling display windows, Ayan spotted two familiar figures inside near the VIP jewelry section.It was Richi and Riya. Richi was le
TIPPING THE WAITER
The morning sun reflected brilliantly off the glass facade of The Imperial Palace, Riverdale City’s most prestigious three-star Michelin restaurant. It was a place frequented exclusively by corporate tycoons, political elites, and high-society young masters.Ayan walked through the mahogany double doors, his new $12,500 charcoal Italian suit fitting his sharp frame flawlessly. He carried himself with a calm, effortless posture, yet every step radiated an unmistakable aura of confidence.As soon as he entered, the soft melody of a grand piano filled the air.A young waitress wearing a pristine white apron and a tailored vest walked over to greet him. Her name tag read Lily. Unlike the snobbish sales associate at the clothing boutique, Lily smiled with genuine warmth and politeness, showing not a single hint of judgment toward Ayan’s unfamiliar face."Good morning, sir! Welcome to The Imperial Palace," Lily said with a gentle bow. "Do you have a reservation, or would you prefer a ta
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