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HP: Talented, Powerful, Yet in Debt

DarkDevil1
Reincarnating into the world of Harry Potter, Lucien Grafton thought he would grow up as the heir to a wealthy family. But the moment his Hogwarts letter arrived, his Loan System awakened. Advance rewards now, pay the price later. Simple, right? [Congratulations to the host for obtaining "Loki’s Mask" (Black-green shifting mask of Loki).] Repayment Period: 365 days】 Reward: 【Loan Content: Acquire the magical talent of Loki, the God of Trickery and Change】 【White Magic: S】 【Dark Arts: SS+】 【Defense: S+】 【Transfiguration: SSS】 【Potion: A】 【Alchemy: A+】 【magic Power: SS】 Repayment: Perfectly master Transfiguration within one year. "Umm.. with this SSS-rank talent, I can master Transfiguration within a year.. pretty simple." [Congratulations to the host for obtaining a Qilin Egg.] Reward: A divine beast companion. Repayment: Refine a Potion using the Philosopher’s Stone. "Uhh.. a Potion using the Philosopher’s Stone..? Well, I guess I can do that.." [Congratulations to the host for obtaining the Dark Magic Encyclopedia.] Repayment: Voldemort’s head. “…Wait—what?!” Voldemort: “What do you mean you owe a debt and need to borrow my head?!” With every loan, Lucien gains powers beyond imagination, becoming Over f#cking Powered far too quickly—but also debts that could shake the Wizarding World itself. McGonagall sees him as a once-in-a-century Transfiguration prodigy. Dumbledore frowns at his “dangerous potential.” Hermione stares in shock as the new boy buys out half of Flourish & Blotts. And Lucien himself? He just wants to clear his debts before they pile up too high. After all… what’s scarier than Voldemort? A System that won’t stop lending!!!
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God Agent: All Hail The Great Kobold

[18+ Mature Content] [Gore] [Epic Fantasy] [Ultimate Anarchy Guide][Throne Usurping Manual] [Leadership Guide] [How To Start A Cult Guide] [Kingdom Building] [Large Scale Wars] [No Sharing] [No Yuri][No NTR] Dennis died the way he lived, slumped over his computer in his mother’s basement, surrounded by junk food, unfinished games, and a life that never went anywhere. A failure until the very end, his story should have ended with judgment and a quiet descent into the afterlife. But something interfered. Before his soul could be processed, his trial was intercepted by the Greater Kobold, the universal deity of the Kobold race, a fading god whose people stood on the brink of extinction. Instead of judgment, Dennis was given an offer. Not redemption. Not forgiveness. Power. He was offered a new life as the last God Agent of the Kobold race, a chosen savior tasked with leading a dying species back to prosperity. Dennis accepted. Reborn on the central continent of Athedal as Ka’z, a lowly kobold at the bottom of the food chain, he quickly discovers that survival alone is a miracle. Kobolds are hunted, enslaved, and exterminated by every major race, including orcs, elves, dwarves, demi-humans, and even humans. Their tribes are scattered, their numbers dwindling, and their name synonymous with weakness. Yet Ka’z carries the will of a god and the chance to become something greater than he ever was. This is the story of a loser who died forgotten and was reborn as the architect of the first prosperous Kobold Empire. In a brutal world ruled by magic, monsters, and ancient powers, Ka’z must unite a broken race, carve out territory in hostile lands, and transform cowardly survivors into a civilization capable of standing among giants. Can Ka’z truly become the savior of a dying race, or will he prove that even a god can make a mistake? ______ Discord: https://discord.gg/MkFeQnjuu2
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