Reborn Little Girl Won’t Give Up - Chapter 121 - Nii-sama’s Birthday

In novels with a stud there is always a Senior Martial Brother like this:

In the early stages of the novel, his innate talent is high, his cultivation is good, his appearance is handsome, and he has an intelligent, cute younger Martial Sister as a fiancée.

In the middle stages of the novel, he is caught unprepared and defeated by a young disciple (the protagonist) in the sect who’s hardly remarkable at all. From then on, he falls from his godly altar and loses his brilliance. Even his young Martial Sister leaves him for someone else.

In the late stages of the novel, he continues to turn dark, going down the Demonic Path and becoming the major villainous boss. However, the protagonist still ruthlessly defeats him and his soul is eternally sealed.

Once Qin Mo opened his eyes, he discovered that he had become this Senior Martial Brother.

- Description from Novelupdates

An elder asked a young man if he wanted revenge for being humiliated by a strong man and disregarded by his master. The elder offers to pass his power to the young man, who is amazed to find centuries' worth of skill appear on his phone. The power is from the Heavenly Court, where users can borrow without interest for 30 days. The young man worries it might be a 'magic loan,' but the elder assures him that it is safe, as the daily interest is very low.Zhang Yu snorted coldly and closed the ad.

On a normal boring day, a message appears, inviting him to a Tutorial.

Suzumiya Kaede, a gamer, fell asleep while playing a game all night and when he woke up he found himself in another world, a fantasy world where using magic is possible! Using his knowledge of games, skills, and cheats, Kaede decides to enjoy as much of his new life in a different world through his newly-acquired magic and sword!