Before taking his last breath, Jiang Shiyi's master shoved a stack of IOUs into his hands. The entire cultivation world owes debts to Qingya Sect. Nineteen years ago, on the night his entire family was slaughtered, he was still a swaddled infant. Nineteen years later, he descends the mountain with the IOUs on his back, collecting every debt one by one, principal and interest included. Sects that bought pills on credit, aristocratic families that refuse to pay, and an Immortal Alliance pretending to be dead—all must repay their karmic debts when confronted with an IOU. Only when he reaches the final debt does he discover that the name written on it is not a sum of spirit stones, but his own name.