Bank of the Universe

This novel is amazingly detailed and while there some cons to it, the novel is detailed and the MC is reasonably characterized. I feel that this novel should be selected as it is a refreshing twist on a original topic and I would to see where it would go. Not that I really like this novel.

Its a generic cultivation novel, lots of random killing, bad characters, plot points don't go anywhere or are forgotten. generic cultivation world and stupid mc. I mean he's from earth and went to that world, it's never mentioned again. His character doesnt suit someone from earth, gets to killing everyone very quickly without hesitation, acts like other cultivation MC's, stupid and arrogant. Every new character its just another, oh a debt let me go kill a bunch of people and collect it, repeat forever. It's not a new concept, the storyline is basically non existent the world building is non existent and horribly told. The villians are one dimensional. Everyones a basic copy and paste villain. Honestly is such a low quality novel, what can you expect from a chinese cultivation novel. Theres only a few 'good' ones and the rest are just bad copy's. In fact this entire novel idea is ripped off another novel with a similar story. My recomendation is avoid.

Raw title: 我有一座天地钱庄 Status: 670 Chapters (Ongoing) Translation quality needs some work.... Otherwise its a great novel. ...........................

Ok i'm going to have to drop it right here this is a quality novel with a great idea but unfortunately the translation quality is very bad the formation the wording all around bad don't get me wrong you can read this but its quite hard

Don’t know why there are so many 5 stars for this jove. The translation is inconsistent and numbers just get swapped around, which leads to a lot of confusion and guess work. MC makes dumb choices for the sake of looking bad ass, contracts seem useless as there’s no power within them to make he other person follow it. Way to fast paced, and everybody just fawning over MC’s awesomeness. It’s not bad, but definitely not 5 stars worthy.

Well after reading it idk how this story gets 5* rating but everyone have different opinion . The mc of the story is one the most arrogant mc I have seen and know he doesn't have the strength to be that arrogant. Just because he somehow becomes owner of the bank of universe his ego started to infalte that much that if you don't agree with him or offend him you die . You have two options either do what he says or you die. I just couldn't stand his behavior in the story.

I hate the MC, side characters and basically everyone in it. This is just a terrible novel with ok I admit interesting plot line that separates it from other novels but yeah it basically threw all that away with the actual story being terrible. It’s a good idea with horrible execution. That’s all I can say about this, overall I don’t recommend you to read this but I can’t stop you if you want to. It’s your decision.

The only good thing is the idea of trading and others are absolute dumb garbage. You guys wanna know what’s dumber ? This trash is actually chosen even tho there are trail novels many times better than this. Who even reads generic cultivation trash with MC worshipping pusy in this day and age ?

This review is based on the free chapters. It has a similar concept to Trafford's Trading Club (buy anything as long as you can pay for it), and although I like such settings, I'm personally not a super big fan of this novel. It's okay, but I find the biggest problem is that I'm not a fan of how much killing is going on and how arrogant the MC is as soon as he obtains the power of the Bank. I'm never a big fan of characters that solve all their problems through brute force and killing. Idk, it just makes it feel a little lackluster, especially if the entire novel is just going to be like this, collecting debts by killing people until the succumb. This type of novel is also the type that seems like it can easily become repetitive. Trafford's Trading Club was much better, it actually had some very moving stories, meanwhile this is just so... mediocre in comparison (that being said, they are quite different despite having the similar setting of buying whatever you desire).

I am back. As I promised, a review after reading 200+ chapters. Currently I have read till chapter 400, so I believe I might be able to shed some more light on this story and what you can expect. To began with, I am reading this through raws, so I can't comment on translator quality or stability of update. But, from the already released 60 chapters, the translation quality is readable but not exactly upto the bar. One thing I like about the story is it's simplicity. Until now, author has stayed true to the main theme of the story : collecting debt and bringing back the bank to its former glory. Most CN stories seem to forget why they started the story. Everything just seems to spiral out of control. Every arc will have its own mission. There is no end goal. But here you can see what the story is about. MC doesn't deviates from ut. It does has smaller arcs but they are there to support and fill in the main theme. Another thing which makes me like this story more is short filler arcs. Oh, there are fillers arcs, short side story arcs, supporting chapters and what not. But author clearly recognises on where to stop. You won't find stupid tournament arcs or trasure hunting arcs stretching over several tens of chapters. Coming to the MC. He's OP. Which actually suits the theme of the story. He doesn't acts like your genric OP MC. You won't find him bullying people or slaughtering families. In fact, he rarely leaves the bank. It's mostly his ever increasing group of subordinates who collect debt. Only when they kick a hard stubble will the MC come to deal with it. Now about his personality. Please don't expect proper character building and depth. He's no character from ASOIF or something from the hands of Sanderson, Abercrombie or Butcher. He's quite simple and honestly, one dimensional. One thing in his favour is his modern sensibilities. Atleast until now I haven't seem him having any inclination for harem. Infact he dislikes harem. So harem haters will definitely like this. He's not dense and something is building between him and Seven. It's not romance but there are flirting moments here and there. I won't spoil it further but its pretty good for a non romantic CN novel. And yes he's not stupid. You can see why he's making a deal. He knows when he can rip someone off and when he has to stay neutral. Pretty good imo. One thing which ticks me off, is side charcter development. They are fanatical in belief to the level of zealots. The angels have NO character growth or development. They are like NPCs to help the MC. Only needed when a side quest requires it. Pretty sad. They could have fleshed out the story further. But I can see that author wants to play safe. Dealing with multiple characters is not a simple task. You need to balance the fine line between too less and too much. World development is a bit icky. You have ten mortal world's, nine immortal worlds and one big celestial/divine world. The raw terms are a bit confusing so please forgive me if these do not match the translation. The world is not exactly fleshed out. You know it's there but that's it. It's both good and bad. You don't have long arcs wasted on/in other worlds but at the same time , you don't have much impression of those worlds. I haveany more things to say, but I will story here. I will just summarise the whole review. Pro : 1: Single goal. No nonsense targets or anything. 2: Very less filler. 3: No Harem. 4: MC with modern sensibilities. 5: MC is not stupid Cons : 1: one dimensional character. 2: Zealot subordinates and no development. 3: No world development. Note : 1: OP MC That's it for now. Cya.

This is my first review ever and I'm not writing it because this novel is special....no I'm writing it 'cause im bored..anyway, I'll start off with the mc, he is a complete retard that's like most of the other chinese novels' mc-s "if you stare at me i'll slaughter your entire family" nothing new, the mc fails to make you think that he's 9 years old not to mention he is 18+. As for the world building, the world building is.......(wait, is there even a worldbuilding?) In addition, And the translation is very bad So in summery this novel isn't worth reading unless you're new to reading lightnovels and don't mind all the clichés and non-existent logic and the bad translation The only thing that's unique about this novel and attracted us to it is the idea ,but in fact the idea is stolen from {trafford trading club} which is better than this by a thousand times.

MC was confusing, with several personality shifts that didn’t seem to fit with his stated goals. Up to Ch 40 (when free stopped), it was more like a low-product, poorly managed store than anything like a bank. Banks do not keep reinvesting everything they have in the next deal. Thankfully, when MC got a money-equivalent he held onto a portion of it. I will not even burn passes on this beyond 40, not to mention coins better spent elsewhere

Reveal spoiler

Reveal spoiler

Read until chapter 39. Started with a good premisse, but then it became your usual cultivation novel, but worse because there seems to be no real challenge. Ratings explanations: Bad translation, sometimes confusing. Stability, not enough samples to review. Story. It started ok, a few odd points but mostly ok. Then the quality dropped A LOT, out of nowhere. Character design: MC makes no sense, acts in contradictory ways sometimes. Some of the other characters are ok, some are badly written. World background: almost nothing established so far, the little that was exposed isn’t really good. Overall I wouldn’t recommend it.

this novel is too good, it looks like a novel but this one is sunnier, in the other novel, we were only in the earth and the story was too dark for my taste, but this one is talking about ten worlds or more, I don't know, it's promising

Ummm after being voted in, mysteriously dropped. Not like they care whatsoever. Do they ever care about their translations and quality? Maybe for just their top book but it’s highly unlikely

Those who gave very low rating are really retardde, their arguments on why they gave it such low ratings is retardde too, basically, they are retardde, lacks comprehension, a third rate reader, very dumb. Example, they said this is generic, lol, really retardde, i wont spoil, just read, every book should be given a chance to read before deciding, dont listen to any critique, be the critique yourself.

yeah yeah i know ... this novel deserves more than 3 star but if you have read Trafford's Trading Club then you will realize that this novel is just a cheap imitation of it with some chapter not making anysense at all