The Auditor

Han Sen was the "Invincible Man" of Nova-Tech, a bottom-tier runner, who took the fall for executive failures just to pay his sister’s ICU bills. He was the man who had nothing, until the CEO’s son took even that, leaving him broken and bleeding in a rain-slicked gutter. But Han Sen didn't die. He woke up with the Absolute Equity System. In a city where the elite treat humans like disposable assets, Han Sen is now the ultimate Auditor. Through his eyes, everything has a visible price tag: from a bodyguard's loyalty and a rival’s luck to a tycoon’s remaining years of life. He isn't interested in joining the one percent. He’s here to liquidate them. From the high-rises of the financial district to the hidden fortresses of ancient martial clans, Han Sen is beginning a cold, calculated climb. He’s done taking the blame—now, he’s collecting the debt. And for those who crossed him, the cost is everything.

Han Jihan, a bottom-tier Porter left for dead in a dungeon, survives by signing a "god-tier" contract with the mysterious Death Bank. Instead of mana, his powers cost lifespan and physical health, inflicting agonizing penalties like memory loss and organ failure. Guided by Luna, an Auditor who becomes his moral anchor, Jihan rises as the famous "Miracle Hunter." The triumph is short-lived. When Jihan finally clears his sister’s medical debt, the Bank cruelly seizes Luna as a "late fee." To save her, Jihan is forced to become a Reaper, hunting innocent Hunters to pay off the interest. From this rock bottom, Jihan orchestrates a brilliant rebellion. Using his Reaper authority, he gathers "Glitch Essence" to trigger a dimensional inflation, aiming to collapse the Death Bank’s economy from the inside out. As the Bank begins "liquidating" Earth, a physically decaying Jihan turns against the Director. Despite his hair turning white and his heart failing, he dismantles the system’s servers during an apocalyptic invasion. At the peak of the collapse, the system issues one final notification: his life debt has been replaced with an infinite bonus balance. Death Mortgage is a gritty, dark-comedy action story about a man sacrificing his humanity to destroy a cosmic corporate tyranny.

The story begins with Mark’s brutal struggle against nightmare entities like The Shredder and The Janitor. He finds himself forced to rescue two coworkers, Sarah and David—not out of empathy, but because the System threatens to process the entire team into "Hell-Fuel" for a thousand years should even one member forfeit. The tension reaches a breaking point with the arrival of The Auditor, a mysterious entity conducting "life audits," who coerces Mark into signing a "Permanent Overtime" contract. Mark soon realizes that this system is no mere game; it is a galactic harvesting operation designed to farm human suffering. As the narrative unfolds, Mark descends an infinite spiral staircase, facing elite monsters that manifest as the physical incarnations of corporate sins. He begins to manipulate legal loopholes within the System to empower his team, forging Sarah into a lethal logistics expert and David into a bloody legal guardian. Mark continues to endure harrowing physical tolls—repeatedly broken bones and failing organs become his daily routine as he trades his vitality for overpriced, instant-healing points. The climax occurs when Mark reaches the "Galactic Headquarters" to confront the System’s CEO. There, he uncovers the bitter truth: Earth is merely one of thousands of subsidiaries currently being "liquidated." In a final act fueled by dark comedy and visceral action, Mark does not choose to be the hero who destroys the machine. Instead, he orchestrates a hostile takeover. Sacrificing his humanity to become the new Administrator, he liberates mankind from their life-debts—only to find himself eternally bound as the "Servant of Hell," maintaining the balance of a shattered new world. Mark wins, but his shift never ends.