90 Days to Default: The Junk-Tier Accountant Who Out-Compounds the System

Ninety days from now, Adam's soul goes to auction — unless he can out-calculate the System that owns him. On orientation day, the Ledger brands him Tier 0: a junk-tier loan-servant and the lowest-rated accountant ever to survive the selection. Then he reads the clause the other Chosen skipped. Interest compounds at midnight, every skill point is a contract repaid in blood, and one overlooked line lets him settle ten debts with a single stat point. Arithmetic was never meant to be a weapon. When his loophole triggers a beast-blood awakening, the System reclassifies him as a Monster-class asset — power climbing Tier 0 to Tier 3, one cleared debt at a time, with every auditor in the city hunting his corpse. Day 89: the auditors learn his name. Day 90: he either defaults to the dead — or the Ledger breaks first. Who auctions whom?