[Credit World (Advanced)]
Branch Ability One: Credit Sharing.
Fang Ze can collectively lend his initial abilities from [Credit World] (Credit Limit, High-Interest Loans) to those around him who are no stronger than him, specifying their borrowing content, repayment ratio, and repayment time.
Repayment Ratio: from 0% to 20%.
[Maximum number of people: 100. After all loans are repaid, the number resets.]
Branch Ability Two: Transfer Payment.
The maximum number of people for the Branch Ability [Lending] is increased to 10. Lending duration can now be accumulated directly (formerly, it could only be done day by day).
Moreover, Fang Ze can advance Credit Points, lending the abilities and treasures of one borrower to another, and charging related fees.
After advancing to the higher tier of [Credit World], these two branch abilities greatly enhance the usability of the entire [Credit World].