Ice Age Apocalypse: I Hoard Billions of Supplies - Chapter 5: Loaning Money

A magical ring and a mighty spirit inside the ring, coupled with a genius who lost his cultivation and got named worthless trash. That’s Xiao Yan, the poor genius. You think Xiao Yan got it bad? Well, you clearly have not met Jing Yan.

Jing Yan was once the shining star of the whole East City. However, his cultivation dropped because of the Universal Ring that was left to him by his dead grandfather. Without anything but the Universal Ring, he will once more rise towards the top and beyond!

He is Jing Yan, The Universal Sword God.

- Description from Novelupdates

The Huaxia Continent is a land of great abundance, inhabited primarily by the Han people. Three hundred years ago, the continent was unified under a single dynasty. However, due to later oppressive taxation and exploitation, that dynasty eventually collapsed, plunging the land into an era of warlords and divided power.In this chaotic environment, the status of martial arts experts rose to unprecedented heights. The major sects and noble families that trained these martial artists became powerful local forces, each dominating their own region. The product of the alliance of these powerful factions the Martial Alliance became the largest organization in the martial world. In the eyes of the people, the leader of the Martial Alliance held even greater prestige than the rulers of the divided territories.Wuxia, Adult, Harem, Mature, Dark, Drama, Incest, NTR, Netorare, NTL, Netori, Romance, Threesome, Orgy, R18, Smut, Action, Adventure

My wife betrayed me, but little did she know that I awakened the Immortal Emperor's inheritance, and from then on, I embarked on an extraordinary life against the heavens, embracing a top-tier beauty in my arms...

Hikaru crossed to Misty World with billions of other players. This world is full of monsters and fog.

Hikaru thought he wouldn't be able to survive in this horrible world when he suddenly possessed an SSS-class skill.

[Ding! Maximum Evolution.]

[Ding! Do you want to evolve Succubus into Fallen Angel?]

[Ding! Do you want to evolve Komodo into the Darkness Dragon King?]

[Ding! Do you want to evolve the Wooden Sword into a God Sword?]

…

Hikaru: “In this world, I am the lord.”