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The Debt Engine

SG_ENTERTAINMENT
21
chs / week
The average realized release rate over the past 30 days is 21 chs / week.
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Synopsis
In The Metro, money has teeth. After leaving the military, Aiden Kwon lives quietly—until someone close to him is destroyed by a lending system that hides behind perfectly legal paperwork. The contracts look normal. The process looks clean. But the outcomes ruin lives. As Aiden searches for answers, he uncovers whispers of The Engine—a shadow network that turns debt into control and fear into obedience. Those who enter its system rarely escape intact. To expose the truth, Aiden steps inside the machine himself. What begins as an investigation becomes infiltration, deception, and a slow erosion of his own moral boundaries. In a city where laws are weapons and signatures are chains, Aiden must decide how much of himself he’s willing to sacrifice to break a system designed to never lose. Some debts are paid with money. Others are paid with everything.
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Chapter 1 - Deadline

Lee Joon-hyun was already late when the elevator doors refused to close.

They slid together, paused, then opened again with a soft mechanical chime, as if the building itself had decided he wasn't done yet. Lee stabbed the button harder than necessary. His reflection in the brushed metal doors looked thinner than usual—tie slightly crooked, eyes ringed with a fatigue sleep no longer fixed.

His phone vibrated.

Once.

Stopped.

Vibrated again, longer this time, insistent against his palm.

Lee didn't answer immediately. He knew better than to answer unknown numbers while moving. You made mistakes when you moved. You said the wrong things. He had learned that the hard way over the last few months—learned it quietly, without drama, the way adults learned lessons they couldn't afford to forget.

The screen lit up again.

UNKNOWN NUMBER

The elevator doors finally closed. Lee exhaled, then answered.

"Yes," he said. He hadn't meant to. He hadn't planned a greeting. The word slipped out like an admission.

"Mr. Lee Joon-hyun," a man said calmly. Not a question. A confirmation. "You were scheduled to arrive at nine forty-five."

Lee glanced at the mirrored wall. 9:58.

"I'm on my way," he said. "There was—"

"That's acceptable," the man replied. "Please proceed to Conference Room C. We'll begin when you arrive."

The call ended.

No threat. No rebuke. Just instruction.

Lee stood frozen for half a second, phone still pressed to his ear. His heart was already accelerating, the way it always did when something administrative turned personal. When schedules hardened into consequences.

Conference Room C was at the far end of the floor, past the glass offices with frosted nameplates and people who looked busy enough to be safe. He walked fast, then slowed, then sped up again, unable to decide which mattered more: urgency or dignity.

His palms were damp.

Inside the conference room, two men waited.

One sat closest to the window, early thirties, navy suit cut too clean to be affordable on a normal salary. His posture was straight, precise, hands folded on the table beside a tablet. He did not look up when Lee entered.

The other man stood as Lee crossed the threshold. Late forties. Slightly thinning hair. Thin metal glasses. His smile was practiced, effortless, the kind meant to calm rooms.

"Mr. Lee," the older man said. "Thank you for coming."

"I'm sorry I'm late," Lee said quickly, bowing deeper than etiquette required. Apologies had become a reflex. They cost nothing. They sometimes bought time.

"No need," the man said gently. "Please. Sit."

Lee sat.

A thick folder lay on the table in front of his chair. His name was printed neatly along the spine, black ink on white. Too neat. Too prepared.

"We'll be brief," the older man continued. "We understand you have responsibilities."

Lee nodded. He thought of his desk. Of the spreadsheet he'd been updating when the call came. Of the missed lunch he'd promised himself he'd make up later.

Three months ago, he thought. This started three months ago.

"Three months ago," the man said, as if reading his mind, "you entered into a short-term private lending agreement. The purpose was consolidation. Efficiency."

Lee nodded again. He remembered the office—small, polite, reassuring. The woman who had spoken slowly, patiently, like explaining instructions to a child. He remembered the relief of thinking the worst was behind him.

"We're approaching a scheduled review point," the man said. "Some adjustments are required."

"Adjustments?" Lee echoed.

The younger man turned his tablet slightly. Columns of numbers filled the screen. Dates. Percentages. Totals that didn't quite align in Lee's head before slipping away.

"This is standard," the younger man said. His voice was even, technical. "Your agreement contains variable conditions. Annex Two."

Lee frowned. "I don't remember an annex."

The older man smiled sympathetically. "Most people don't."

He slid a pen across the table. Heavy. Black. The kind that made signatures feel permanent.

"We just need your acknowledgment," the older man said. "Then you can return to your day."

Lee flipped through the folder. The language was dense, layered, defensive. Conditional transfer.Temporary custodianship.Collateral reassessment. The words slid past him faster than he could interrogate them.

"I don't understand this section," he said, pointing halfway down the page. His finger trembled. He curled it back, embarrassed.

The younger man leaned forward slightly. "Those clauses manage contingencies. They protect both parties."

"Protect how?"

The older man answered before the younger could. "They prevent escalation."

The word settled in the room. Not loud. Not sharp. Final.

"Escalation of what?" Lee asked.

The older man met his gaze, still smiling. "Of inconvenience."

Lee's throat tightened. He stared at the page again, suddenly aware of how quiet the room was. No ticking clock. No air-conditioning hum. Just his own breathing, slightly too fast.

"If I don't sign?" he asked.

The younger man considered this, head tilted as if checking an internal list. "Then the agreement proceeds under default conditions."

"And that means…?"

A pause. Not hesitation. Calculation.

"It means," the older man said softly, "that we move faster."

Lee picked up the pen.

Signing took less than a minute. His name. His initials. A date. The ink dried almost instantly, as if the paper had been waiting.

The older man closed the folder.

"Good," he said. "You've made the correct decision."

Relief flooded Lee's chest so suddenly it made him lightheaded. He hadn't realized how tightly he'd been holding himself together until it loosened.

"So… that's it?" he asked.

"For now," the younger man said.

As Lee stood, the older man added, almost casually, "You'll receive a confirmation call later today. Just logistics."

Lee nodded, bowing again. He reached the door.

"Mr. Lee," the older man said.

Lee turned.

"Sunday is important," the man said. "Please ensure you're available."

"For… what?" Lee asked.

"For resolution."

The word followed him back to his desk.

The office looked unchanged. Fluorescent lights. The printer coughing out pages. Someone laughing softly near the break room. Normal life continuing without him.

He sat down and stared at his monitor, fingers resting uselessly on the keyboard. His phone vibrated.

A text.

UNKNOWN NUMBER:Thank you for your cooperation. Please ensure availability on Sunday.

Lee read it twice.

Sunday.

He opened his calendar. Sunday was marked with a single note, handwritten weeks ago: Min-ha — day trip. His daughter's name. A promise he'd already broken too many times.

His chest tightened again, sharper now.

He typed a reply. Deleted it. Typed again.

What instructions?

He didn't send it.

As the day crawled on, the relief drained away, replaced by a dull, growing pressure. A sense that nothing had been resolved—only deferred. That he hadn't escaped anything. He'd stepped onto something already moving.

That evening, as he shut down his computer and joined the flow toward the elevators, he caught his reflection in the glass.

Same face. Same tired posture. A man who endured quietly.

But something had shifted.

Not outwardly. Not yet.

Internally, a line had been crossed—clean, precise, irreversible.

The elevator doors closed.