Modern soul Gu Changsheng transmigrates into a cultivation world and binds with the Heavenly Dao Bank System, becoming its new bankmaster. He loans the 'Lotus Flame Sword Bone' to desperate maiden Ye Hongyu—kicking off his debt-collection crusade—subdues Blood River Patriarch Zhao Tiezhu, and navigates high-stakes power plays with Yaochi Holy Maiden Lin Qingxue and Demon Sovereign Su Mei. Gu Changsheng hunts down the Heaven-Emperor Hao Tian and the Nine Abyss Devil Sovereign.