"This is not a transaction."

Douglas shook his head, looking at the Chief Elder and answering calmly.

"Miss will defend her property. Moreover, self-propagation is the core attribute of capital. After integrating the power of Gringotts Wizarding Bank, we will definitely confront the goblins in the Americas. But this is not to avenge Gringotts, but because they are blocking Miss's path."

"Then why should Gringotts Wizarding Bank listen to a little girl's commands?"

"Well, it's not listening to commands, but actively offering the ownership of the entire Gringotts. You shouldn't deceive yourself about this anymore. It's meaningless and can easily leave hidden dangers. As for the reason..."

Douglas paused for a moment, then continued.

"Actually, to deal with the upcoming impact, there is a very simple way: issue new currency - new Galleons linked to Hogwarts' credit. As for the medium, just add a layer of house-elf magic to the existing coins. Cross-credit can ensure that Gringotts cannot issue Galleons indiscriminately, and it can also ensure that Hogwarts can provide some financial assistance if a bank run occurs at Gringotts..."

"Secondly, retrieve all wizards' deposit records as of April 1st. Gringotts will restore and replenish according to the actual deposit amount in each vault at that time - the funds, of course, will come from the Lestrange family vault. Nearly seven hundred million Galleons should be able to fill this gap..."

"Finally, it must be stated that these Galleons should have belonged to Hogwarts and the entire magical world. It's just that Gringotts Wizarding Bank actively released its original equity to raise cash. This new batch of Galleons will all be replaced with [Hogwarts-Galleon], and each Galleon will represent one billionth of Gringotts' equity."

"Any wizard can redeem Gringotts Wizarding Bank's equity from Hogwarts at any time with the [Hogwarts-Galleon] in their hands. Of course, as the total amount of currency increases later, the equity of each coin may be diluted... But in any case, Gringotts will henceforth become an asset jointly owned by the wizarding world and guarded by all wizards."

*Crack*, *crunch*.

The Chief Elder clenched the cane in his hand, making a slight cracking sound.

"These concepts may be a bit complicated, I know." Douglas shrugged, unmoved, and continued, "Regarding the operating logic behind this, I have only recently understood a little bit by combining Muggle financial literature. But even if you don't understand the principle, it doesn't prevent you and me from judging whether this path is feasible, right?"

"You..."

The old goblin took a deep breath, pointing his finger at Douglas's nose, "Do you know what this means... If we really follow your Miss's suggestion, Gringotts Wizarding Bank will never return to the goblins... Heh, it will never belong to the goblins again. The interests you are about to sell out are not just these..."

"You still don't understand? Times have changed."

Douglas sighed and calmly pushed away the finger that was about to poke his face, frowning.

"Gringotts Wizarding Bank, Wizarding Bank... It shouldn't have belonged entirely to goblins from the beginning. We are now just patching up the loopholes for past mistakes. As Gringotts, which exists as part of the magical world's financial market, only by distributing its own interests and letting wizards participate can we ensure the continuation of goblins and the bank."

"In this era, it is human wizards who make the laws, and it is human wizards who set the market rules. If we still put ourselves on the opposite side of human wizards, then one day we will perish - either because we keep losing and are slowly eroded by wizards, or because we keep winning and are directly killed by wizards who have lost patience."

"This recent series of events has proven that goblins can no longer maintain a leading position in the financial field. Whether it is power or wisdom, we no longer have the capital to contend with wizards. This is such a simple truth, only wizards can fight against wizards. So the American goblins chose to submit and obey the bureaucrats and the government in exchange for living space."

"Because, there is only that one path in front of them. But for the current Gringotts Wizarding Bank, there is now a different path... Don't forget that Miss has half Veela blood flowing in her veins, just like Elder Leos invested in that year - welcome a great empress with a future, or submit to stupid and short-sighted bureaucracy. The choice should be obvious, right..."

Speaking here, Douglas's eyes gradually turned cold, he grinned and smiled.

"Undoubtedly, this is a very difficult choice, especially unacceptable to the goblin Elder Council. After all, the elders will suffer the most in terms of power and interests. There must be resentment in your hearts and the hearts of the elders. For example, even if the entire Gringotts Wizarding Bank is sacrificed, we will not let destiny have its way... Most people may have such suicidal thoughts when faced with desperation."

"But..."

Douglas paused, looked at the goblin managers standing behind the twelve elders, and showed a meaningful smile on his face. He turned back and looked sincerely at the members of the Elder Council standing in front of him.

"Such a big thing may not be decided by the Elder Council alone... That's why I must bring all Gringotts executives up here as well. After all, everyone may be very busy next, whether it is to count the deposit balance at the beginning of April, or to sort out Gringotts' asset list, or to prepare to welcome Miss's arrival."

The middle-aged goblin finished speaking with a smile, took out a pocket watch from his pocket and glanced at it.

"Oh, by the way, Miss will arrive in forty minutes... This is the preset time for the Portkey, so the error should not be too much. Ask any questions quickly. After you finish asking, take action immediately."

"I have a question, Douglas, you still haven't said how that scam will end."

A goblin elder standing behind Groin pondered for a few seconds, then looked at the middle-aged goblin in front of him and said slowly.

"If I remember correctly, wizards now believe that this matter is related to goblins, right? That is to say, even if the deposits can eventually be recovered, human wizards will definitely seek more revenge... So, who will be the victim?"

"Well, you're right... We do need some bad goblins."

Douglas nodded quickly, spread his hands, and explained quite seriously.

"Goblins who are good at finance in this world mostly come from Gringotts Wizarding Bank. So Gringotts' involvement in this conspiracy is definitely beyond doubt. But what's interesting is that Gringotts Wizarding Bank split into two parts not long ago, didn't it? As far as I know, those American traitors who lack original capital accumulation have been frantically traveling around the world recently, showing a very logical motive to launch this financial fraud. As for the evidence..."

Douglas grinned, a flash of malicious cunning flashed in his eyes, and said softly.

"After the cooperation between Gringotts and Hogwarts is confirmed, and the content of the joint statement is finalized, I believe Peter Pettigrew will soon remember these contents - human memory is very wonderful, just a little effort can recall many things that you thought you had forgotten, just like he mortgaged Hogwarts Castle."

"What about the Galleons that Hogwarts promised to assist with?"

"Don't worry, the Galleons have always been personally managed by Miss. If there are no accidents, they will arrive at Gringotts Wizarding Bank with Miss and be deposited in the Lestrange family vault before the Aurors of the Ministry of Magic investigate."

"The Lestrange's vault?! Why..."

"The reason is very simple, let me help you recall a little bit. When Peter Pettigrew came to Gringotts Wizarding Bank to mortgage Hogwarts, all the funds obtained from the mortgage were entrusted to the bank and stored in the Lestrange family vault. Since there is no gold in the Lestrange family vault, the generous and benevolent Miss decided to temporarily lend the gold coins to Gringotts to fill the deficit in the Lestrange vault."

"Lend, lend to Gringotts?! That should have been..."

"Attention! These Galleons are the accumulation of Tianming and the Apocalis family for thousands of years. The Galleons belonging to Hogwarts are now lying in the Lestrange family vault, and no one except the Gringotts goblins has touched them."

Douglas cleared his throat and corrected seriously.

"Although Miss will take over Gringotts Wizarding Bank later, there must be no unprofessionalism or ambiguity in Tianming's asset accounting and subsequent equity purchases - Hogwarts and Tianming are two different partners."

"Tianming lends gold coins to Gringotts to help Gringotts make up for the loan that should be issued to Hogwarts for the mortgage... And then Hogwarts invests in purchasing shares in Gringotts Wizarding Bank, which is another cooperation agreement."

The Chief Financial Officer of Tianming paused and glanced around the silent marble hall.

"So, do you have any other questions? I hope all questions can be resolved before Miss arrives."

"If we don't accept it, then the empty Lestrange family vault will confirm the rumors that Gringotts Wizarding Bank misappropriated depositors' funds - even if all the personal savings of all our elders are added together, it is impossible to fill this huge deficit, let alone cope with the subsequent bank run..."

Groin closed his eyes, rubbed his temples vigorously, and chuckled softly.

"The real winner takes all... What a terrible and wonderful series of traps, I understand Leos's thoughts. She is indeed more suitable for this treacherous new era than us old guys... Those American traitors, heh..."

When he opened his eyes again, the old goblin's gaze had stabilized, and there was no more confusion and anger in his eyes. The aura of the Chief Goblin Elder who had been in charge of Gringotts Wizarding Bank for nearly a hundred years had returned to him.

"...Only forty minutes left, it's really a bit tight."

Groin repeated softly in a tired voice, then turned around and roared loudly at the goblins behind him.

"Then what are you still doing?! Do you need so many people to sign the contract? Hurry up and sort out the information, list the lists, and clean up the vaults as Douglas said... There are forty minutes left, that half-Veela, no, Illyana Kaslana, well, should be the Honorable Kaslana, also not right..."

Groin's eyes flickered for a moment, and he suddenly remembered the first time he saw that silver-haired little witch in the meeting room...

That child even had to eat the steak provided by Gringotts because she didn't have dinner, and she was arguing back and forth with the Gringotts Goblin Elder Council on the details of the mortgage contract, fighting against the entire Gringotts Elder Council alone without falling behind. At that time, they even thought it was from Dumbledore's backstage command...

But in just over half a year, she hadn't even appeared in Gringotts and had already completed all the layout and ending, and lightly defeated all the defenses of Gringotts Wizarding Bank...

Terrible talent...

The Chief Goblin Elder pondered for a few seconds, considered the words, and finally said firmly.

"His Supreme Goblin Empress will arrive at her loyal Gringotts Wizarding Bank in forty minutes! Gringotts and the goblins will enter a new era from now on, long live the Empress!"

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Volume 2 "The Fall of Gringotts" End~

Only one chapter today, and then I will sort out the contents of Volume 3~