A terrifyingly polite yet completely ruthless enforcer and manager for the Continental Bank. Possessing a cold, analytical mind, Kim views the entire martial world through the lens of ledgers, interest rates, and debt collection. He moves with calm efficiency, dismantling ancient sects and overpowering legendary masters without breaking a sweat, all to enforce the binding terms of predatory financial contracts. Combat abilities and traits: Master of the Star-Absorbing Art, allowing him to forcibly extract and drain the internal energy (neigong) of any martial artist regardless of their cultivation tier. Possesses absolute physical invulnerability against top-tier sword formations, supreme martial instincts, and master-level grand strategy skills.

The sharp, composed, and highly efficient administrative assistant to Manager Kim at the Continental Bank. Mak Rihwa manages all financial ledgers, interest rate calculations, legal contract verifications, and client debt records during fieldwork. She remains unflappable even in the presence of legendary martial masters and extreme violence. Combat abilities and traits: Expert administrative logistics, rapid financial auditing, contract drafting, deep knowledge of Murim faction dynamics, and auxiliary combat self-defense.

A gifted but foolishly reckless disciple of the Mount Hua Sect whose severe gambling addiction leads him to sign predatory high-interest contracts in Huayin County. Driven to absolute desperation by compounding debts, his violent attempt to murder his creditors triggers the ultimate downfall, public humiliation, and forced ten-year sealing of his entire sect. Combat abilities and traits: Mid-tier Mount Hua Sword Style and standard Orthodox internal energy cultivation.

The deeply honorable and benevolent Sect Leader of the Mount Hua Sect. Faced with the sudden revelation of his disciple's massive debts and the overwhelming martial power of the Continental Bank, Hyunjong chooses self-sacrifice over total annihilation, surrendering sacred heirlooms to preserve the lives of his disciples. Combat abilities and traits: Advanced Plum Blossom Sword Technique, high-tier Orthodox internal energy, mastery over group sword formations.

A scheming, manipulative high-ranking elder of the Beggars' Sect operating out of Hangzhou. Seeing the turmoil surrounding Mount Hua as an opportunity to expand his influence, he orchestrates a coalition of Green Forest masters and rogue disciples to destroy Manager Kim, only to suffer a complete psychological and physical collapse when faced with the Bank's true power. Combat abilities and traits: Staff martial arts, Beggars' Sect dog-beating technique variants, vast information gathering capabilities, regional political manipulation.

A cheerful, passionate culinary enthusiast and artisan who operates outside the violent sphere of martial politics. He spends his energy exploring novel ingredients, processing cassava roots into tapioca, and bringing people together for festive tasting events. Combat abilities and traits: Culinary crafting, specialized tapioca pearl processing, beverage blending, pumpkin confection creation.

The helpful and hardworking culinary assistant to Joshua. She assists in harvesting seasonal produce and preparing fresh tapioca sweets and milk tea during peaceful moments away from martial strife. Combat abilities and traits: Ingredient harvesting, food preparation, kitchen administrative support.