Facing Mu Jinyu's suspicion, Mo Yunqiong responded with a calm smile, "Of course I do. I am the eleventh-ranked senior student, receiving a thousand credits from the academy every month. I rarely use the cultivation room and often take on tasks to earn extra points. Over the years..."

"I've accumulated over a hundred thousand credits!"

After speaking, Mo Yunqiong, fearing Mu Jinyu wouldn't believe him, took out his identity plaque to show Mu Jinyu his credits.

It actually showed over two hundred thousand credits.

Of course, Mu Jinyu knew that some of those credits came from the bets placed on Mo Yunqiong by those senior students just now.

Add those up, and it's tens of thousands more.

That's how it became over two hundred thousand.

Seeing Mo Yunqiong had enough credits, Mu Jinyu was still skeptical, considering how stingy he had been, not using his credits over the years, and worried that if he became the first, would Mo Yunqiong refuse to hand over the credits?

After all, without a teacher or someone else to witness, this was a private bet. Who knows if the teachers would recognize their wager if it escalated?

Would he really have to secretly resort to violence to kill Mo Yunqiong for those credits?

Mo Yunqiong, seeing Mu Jinyu hesitating to place a bet, smiled and said, "Brother Mu, are you worried that if you win, I won't return the credits to you?"

"Don't worry about that; I'm quite reputable at Dongyue Mansion. I've opened a few bookies before and ended up deeply in debt, but eventually managed to pay it off through hard work. You can ask around..."

"Moreover, if you really win, you'll be the top senior student. Do you think I'd dare to default on your credits? I'd be afraid you'd hold a grudge against me, causing me sleepless nights!"

Hearing Mo Yunqiong's persuasion, Mu Jinyu thought he had a point.

Even if he does default, the most he'd lose is just over these four thousand credits.

It's not a big deal.

And if he makes it into the top ten, there's a reward of one thousand five hundred credits, two thousand credits for third place, another two thousand five hundred for second, and three thousand credits for the first place.

Add these rewards, and he could gain nine thousand credits.

No big deal at all.

Let's give it a try.

"Alright, I'll bet on myself to win first place at twenty-to-one odds!" Mu Jinyu took out his identity plaque and said.

"How much do you want to bet? All of it?" Mo Yunqiong glanced at Mu Jinyu's identity plaque to see how many credits he had left, and asked.

"Hmm, I'll bet four thousand." Mu Jinyu held his identity plaque and bumped it against Mo Yunqiong's, transferring his newly acquired four thousand credits to him.

"Hey, not bad..."

Seeing this, Mo Yunqiong said a few more words to Mu Jinyu, then turned to the other senior students behind him, announcing that Mu Jinyu had also bet on himself to take first place, encouraging everyone to try their luck.

Learning that Mu Jinyu actually bet on himself and directly on the first-place odds,

everyone was astonished.

No one expected him to have such confidence.

He was aiming directly for the top spot!

As a result, quite a few senior students, who originally weren't interested in betting, started placing bets as well.

Of course, many still doubted that Mu Jinyu would actually win first place.

After all, the current first place was truly a Life and Death Realm expert, whose sheer strength far surpassed Mu Jinyu.

Moreover, even if Mu Jinyu challenges him, will he necessarily accept?

The current leader might not even bother with Mu Jinyu, so many bet on Mu Jinyu losing or stopping before reaching the top five...

In no time, the credits on Mo Yunqiong's identity plaque surged from over two hundred thousand to over three hundred thousand.

He thought to himself, Mu Jinyu, you better win!

Otherwise, I'll be bankrupt, even deeply in debt...

...

After placing his bet, Mu Jinyu headed straight to the residences of the top ten.

Upon arriving, he didn't see anyone from the top ten ready to accept his challenge.

"Oh, so you've been watching my battles, but now you're not willing to come out?"

Mu Jinyu sneered, then followed his earlier intuition to the doorplate of the seventh-ranked.

It was the owner of this place who had been eyeing him with strong malintent just now.

"Swish!"

Mu Jinyu stood on the stone slab of the seventh-ranked doorplate, pressing his identity plaque onto it.

Instantly, his battle invitation was sent to the opponent's plaque.

Even if the owner was out of town, they could sense this challenge.

But Mu Jinyu was clear the person was inside their residence, not out of town.

He wanted to see if this guy dared to accept the challenge!

"Swish!"

Facing Mu Jinyu's provocation, the seventh-ranked individual naturally couldn't stay indifferent, and sprinted out of the light barrier.

It was a tall man with long black hair cascading over his shoulders, with a handsome face and cold eyes staring at Mu Jinyu, "A mere freshman, daring to challenge me, fine, let's go to the combat platform then!"

With that, he turned to head towards the platform.

But Mu Jinyu called out, "Wait, no rush..."

"What?"

The man halted abruptly, looking at Mu Jinyu with disdain in his eyes, "Regretting it? Well, it's too late for that..."

Mu Jinyu shook his head, "No, already being here, it doesn't make sense to just invite you for a challenge. Going back to invite others later would be too much trouble, I'll go challenge a few more people!"

"What?!"

"What do you mean?!"

Hearing Mu Jinyu's words, the man immediately burst into anger.

After all, he was ranked seventh, at the peak of the Void Breaking Realm.

Mu Jinyu actually dared to belittle him like this.

His words carried an extremely derogatory implication.

It was like saying he could be defeated with a flip of the hand, with no challenge whatsoever. That it would be too troublesome to go back and invite others after defeating him, so he would just invite everyone he wanted to challenge at once!

This was the ultimate insult!

"Yes, I think you're quite lacking. Don't overthink it, it's nothing personal. I just think there's not much difference among the top ten anyway."

Mu Jinyu stopped, smiling apologetically at the man.

Hearing this only infuriated him further, his anger boiling.

"Swish, swish, swish!!"

As Mu Jinyu's voice faded, the senior students living nearby, who had been watching the situation, immediately emerged from their cave residences one by one.

The ninth-ranked, the eighth-ranked, the sixth-ranked, the fourth-ranked...

Even the third-ranked eventually came out.

Only the second and first-ranked senior students remained unmoved.

"So you're planning to challenge all of us in the top ten in one go today?"

The third-ranked senior student looked at Mu Jinyu coldly, speaking with a condescending tone.

Mu Jinyu shook his head slightly, "No need for that, it wastes time. The rewards for ranks four to ten are the same, so challenging one is enough. Next, I'll be challenging you, plus the second and the first-ranked senior!"

As his words fell,

the audience grew eerily quiet!

No one expected Mu Jinyu to dare provoke them this way!

Meanwhile, subtle waves began emanating from the void dwellings of the second and first rank!