TDWAD 04

Chapter 4

“Uh, this… here… This is the loan agreement and the bodily rights waiver form. Please read them carefully and sign.”

CEO Choi tightly shut his eyes.

What the hell kind of situation was this?

The usual borrower, hunched over like a criminal, quivering with guilt.

The lenders, constantly injecting fear to keep the prey in check.

That was how it usually went.

But now? The one coming to borrow money was sitting casually with his legs crossed.

While they, the lenders, were kneeling, reacting nervously to a single glance or word from him.

“If you fail to repay by the deadline, you forfeit the rights to your major organs and your entire body… Creepy. Do you guys really harvest organs?”

CEO Choi forced a laugh.

“O-of course not. There are just too many debtors saying ‘just kill me,’ so it’s just to scare them a little…”

“Really?”

Do-yoon stared at his face.

“CEO Choi.”

“Y-yes?”

“What’s your name?”

“I’m Choi Ki-hyun.”

‘Choi Ki-hyun. Male, 40s. Sharp and dry impression, scar on his left cheek.’

The moment the name and face matched—

Do-yoon’s Memory Net activated.

How do you extract a specific memory from a database of 612 million?

The first method he discovered was to summon a “keyword.”

‘May 26, 2017. Location of the gate that opened in Pocheon?’

It was like using a search engine.

Simple and immediate.

But limited to broad, shared memories held by many.

To access a thin thread of memory like that of an individual, certain conditions had to be met.

‘Kim Hyo-joo, 30s, middle manager. Always smiling. Currently being sued over malicious comments.’

‘Son Won-hyuk, 20s, customer service rep. Sad-looking eyes. Embezzling office supplies.’

‘Kim Seok-jin, 40s, branch manager. Friendly face. …Illegal loan broker.’

The more info you had—appearance, name, and so on—the more you could magnify the lens and see deeper memories.

The same applied to Choi Ki-hyun.

“S-spare me…”

“Sorry. If I do, I’ll die.”

“AAAAARGH!”

‘…If Kim Seok-jin is a parasite, then Choi Ki-hyun is a tumor.’

Do-yoon’s lips twisted sharply.

Just because they were descendants didn’t mean they were all lovable.

They say no finger hurts when bitten, but if one starts rotting, it must be cut off.

But today wasn’t the day for surgery.

“Here’s 50 million won. Please count it.”

CEO Choi handed over a shopping bag.

Inside were bundles of 50,000-won bills.

Do-yoon flipped through them with a fluttering sound, counting.

“Looks about right.”

“The monthly interest rate is 25%, and we usually deduct two months’ worth—2.5 million—in advance as prepaid interest…”

“You got a death wish, huh?”

“N-no, not at all!”

Choi Ki-hyun frantically shook his head.

“T-the first interest payment will be due on the 27th of next month.”

“25% per month means 300% a year. You borrow 50 million and owe 150 million in interest alone. Might as well just rob people.”

“If you don’t like it…”

“…?”

Do-yoon glanced at him coldly.

Choi Ki-hyun broke out in a cold sweat.

“N-no, what I meant was…”

“No, you’re right. It’s not like anyone’s holding a knife to my throat. I’ll be seeing you soon.”

Do-yoon stood up, holding the shopping bag.

“R-remember this…!”

Choi Ki-hyun shouted behind him, his voice shaking.

“No matter what, we always collect what we lend! Don’t think you can skip out just because you’re good with your fists!”

Once outside, Do-yoon stopped by a convenience store and deposited all the 50,000-won bills into his bank account.

[Current Balance: ₩63,091,134 – Holder: Hyun Do-yoon]

That included the just-borrowed 50 million, 10 million from a loan company, and 3 million in emergency credit.

The average annual interest rate was 242.86%.

He was bleeding ₩12.75 million in interest every month—like strapping rocket boosters from hell to his limbs.

Anyone else watching might’ve given him a thumbs-up.

“Wow, what a bold young man, setting his life to hard mode…”

But that didn’t apply to Do-yoon.

He opened his CoinBasis app.

• Bitcoin: ₩2,510,000 (−28.99%)

• Ethereum: ₩160,000 (−39.28%)

• Ripple: ₩215 (−51.47%)

• Litecoin: −38.18%
  …

Prices had dropped even more since he last checked.

They were practically at his heels now.

But Do-yoon didn’t even flinch.

‘…Wait. Until they hit the soles of my feet!’

And at the promised 7 PM—

He transferred all his funds from the bank to his CoinBasis account and made his first purchase.

Of course, the coin of choice was Ripple.

‘The higher the mountain, the deeper the valley… The higher it goes without reason, the harsher the correction.’

The opposite also held true.

May 27.

Ripple, which had been cut in half over 19 hours…

[Buy Order Complete]
Asset: Ripple (XRP)
Amount: 299,833.10 XRP
Price: ₩210
Total: ₩63,091,134

If it surged to ₩350 by dawn, he could sell at the peak and make a 68% return.

That would turn ₩63 million into ₩100 million in under 4 hours.

₩10 million per hour—2,000 times a convenience store worker’s hourly wage.

‘Is that enough?’

Do-yoon sat on a bench, ripping open a bread bag and gulping down banana milk.

‘…Nowhere near enough.’

Even if he made 68% every day, he wouldn’t hit astronomical levels by the end of June.

And days like this weren’t common.

‘I need to stop hesitating.’

He couldn’t spend all day staring at charts. He had a coming disaster to prepare for.

‘I need to take the biggest strides I can.’

And to do that…

– Do you want to begin ‘Futures Trading’?

This was how it worked:

Do-yoon had just made a spot purchase.

If Ripple’s price went up, he made money.

If it stayed below ₩210, he’d lose money on sale.

But even if losses hit –99.99%, if he held until it bounced back to ₩210, he’d recover everything.

‘That’s why people said “diamond hands” were the best strategy. But futures…’

In futures trading, you could profit even if prices fell.

You could bet on both directions—and use leverage to multiply gains several times over.

‘If I use 10x leverage and bet ₩100 million on a drop, and the price falls 20%, I gain 200%, or ₩200 million.’

But if the price goes up 10%, you lose 10x—your entire ₩100 million.

A day like today? A perfect day to get wiped out.

In short: Spot is a low-risk bet on rising prices.

Futures is an ultra-high-risk, mega-return game based on direction and volatility.

But Do-yoon had the full minute-by-minute chart of today in his memory.

So is he guaranteed to win?

Not so fast.

There was one unknown left.

‘How reliable is human memory?’

Whooosh.

Standing under a torrent of shower water, Do-yoon input a keyword into his memory net.

‘Ripple price movement between 8:10 and 8:20 PM today.’

• Slight rise from ₩250 to ₩260.

• Sudden spike to ₩300.

• Drop to ₩220 for a resting point.

None of it matched—or worse, some contradicted each other.

‘Just as I thought.’

Humans aren’t computers.

Details lack precision.

Especially memories that weren’t emotionally strong.

He was about to walk barefoot across a razor’s edge.

One slip, and his throat would be cut.

So, should he step back and put his shoes back on?

‘No, not at all.’

A smile spread across Do-yoon’s wet, glistening face.

[Activating ‘Great Library of Memory (B)’]
[Enter search keywords]

He searched:

‘Coin,’ ‘jackpot,’ ‘futures trading,’ ‘May 27, 2017 chart,’ ‘whales.’

[Search results: 127 books]

1. It Begins With Money Duplication – by Black Cow

2. 2017 Coin Chart Analysis – by Hong Seong-ho

3. From 1 Million to 100 Billion via Futures Trading – by Mr. Wonhyo

4. Don’t Do Futures, You Damn Idiots – by Big Bet Investor
   …

‘I’ll borrow book 2. And also book 3.’

Mr. Wonhyo—the investor.

Do-yoon had heard of him back during his military days.

‘He was a “super ant,” no, a whale in Korea’s crypto scene.’

There was no reason not to make use of his legendary instincts and experience.

‘…The two charts match down to the decimals. I can trust this.’

Not just tips and tricks—but the numbers themselves were correct.

Do-yoon opened both books as floating screens on either side of his vision.

On the left was the post–8:30 PM chart. On the right:

Wonhyo’s 7 Commandments of Futures Trading

1. Use high leverage only on coins with high volume.

2. Avoid shady altcoins—they’re easy prey for manipulators.

3. Trust the chart.

4. Don’t aim to skin the soul. Take bites, then toss it when full.

5. Don’t recommend coins to friends.

6. Never skip meals.

7. Don’t get eaten by the whales. Become the whale.

He turned off the shower, dried off, and put on a sauna outfit.

Entering the main hall, Do-yoon checked his phone.

[Sell Order Complete]
Ripple / 299,833.10 XRP / ₩280 per unit / ₩83,785,361 total

‘High-volume coins for futures, huh…’

Then it had to be Bitcoin.

Do-yoon set 10x leverage and entered a buy position.

Just dipping his toes for now.

[Buy Order Complete]
Bitcoin / 25 BTC / ₩2,560,000 per unit / ₩64,000,000 total

He had thrown 80% of his assets into high-leverage trading, yet he felt calm.

‘I trust the chart.’

He sat cross-legged, closed his eyes, and counted time.

Twenty minutes later.

When he opened them, a blazing-hot account greeted him.

Assets – Hyun Do-yoon
Bitcoin
Profit/Loss: ₩35,468,800
Return: 55.42%

“It’s working.”

He quickly checked the chart.

He could wait longer, but a sharp drop was coming in three minutes.

No need to take unnecessary risks—he sold everything.

An hour later, he bought the dip with everything he had.

Bitcoin / 45.69 BTC / ₩2,600,000 per unit / ₩118,817,192 total

Volume exploded, price bounced wildly.

‘Take a chunk and step back.’

[Sell Order Complete]
Bitcoin / 45.69 BTC / ₩2,790,000 per unit / ₩205,261,214 total

His confidence grew.

The chart showed reduced volatility and slow rise over hours.

He kept trading.

₩200 million became ₩250 million.

Then ₩315 million.

₩400 million, ₩500 million… over ₩600 million!

Though ROI held at 30%, the growing principal and scalping method multiplied his profit.

‘It’s already morning. Looks like it’s green for a while.’

Time to change stance.

He bet on a drop—with 15x leverage.

The rise had stalled at 3%, so he was three steps behind the safe line.

Just as expected, Bitcoin began falling.

He watched the chart like a hawk.

The only time he looked away was to buy eggs and rice punch from the snack bar.

‘They said to eat properly.’

Sensing the end of the drop, he sold.

140% ROI!

₩650 million became ₩1.56 billion.

It was now 7 AM.

People were starting to wake and stretch.

Do-yoon holed up in the salt room for one last trade.

Leverage: 30x
Distance from danger: two steps

The chart showed a continuous rise until 9 AM.

But Do-yoon only put in 20% of his funds.

Then, every 30 seconds, he made ₩10 million buys.

Technically, it was best to buy the dip and wait.

But he didn’t.

‘Final commandment: become the whale.’

He didn’t have enough to control the entire market.

But ₩1.5 billion was enough to pour fuel on the fire.

The wind blew upward.

A projected 10% rise turned into a breakout—past ₩3.4 million, all the way to ₩3.8 million.

“This is…”

Assets – Hyun Do-yoon
Bitcoin
Profit/Loss: ₩8,748,108,720
Return: 561.9%

Numbers beyond reality.

He couldn’t look away.

‘…That far exceeded expectations.’

He even scooped salt onto his tongue to check.

“Ptuh! Why do future generations do this crap?”

Add his original ₩1.5 billion to the profit…

₩10,380,108,720

That’s how much Do-yoon earned—in a single night.