Seirei Tsukai no Blade Dance - Volume 20, Chapter 9 - True Force

An elder asked a young man if he wanted revenge for being humiliated by a strong man and disregarded by his master. The elder offers to pass his power to the young man, who is amazed to find centuries' worth of skill appear on his phone. The power is from the Heavenly Court, where users can borrow without interest for 30 days. The young man worries it might be a 'magic loan,' but the elder assures him that it is safe, as the daily interest is very low.Zhang Yu snorted coldly and closed the ad.

Lin Wu was a university student that died after having one too many energy drinks and then reincarnated into the body of a worm. He awakens to find out that he now has a system, but even it doesn't have a clear idea of where they are.

He comes out of the ground and discoverers that he’s no longer in his previous world but rather in a cultivation world.

Witness Lin Wu’s journey as he worms his way to the heavens from a tiny worm crawling in the ground.

“There are no heroes. In life, the monsters win.”

...

In 2106, [Mayhem Online], a fully immersive VRMMO game, was released. Soon, it dominated the world's economy when people could exchange the in-game currency with real-life currency and vice versa.

In the year 2107, Flynn Grey, a 22-year-old college dropout with an ambiguous history, joined in the fray of billions of people that had already started playing [Mayhem]. Hoping to uncover the game's secret and earn a fortune, he spent months on adventures without fruitful results.

For better or worse, Shura, Flynn's in-game character, ends up in a great Wyvern's den, acquiring a hidden class and a monstrous race. Join him as he defeats his past and paves his way into becoming a true legend in both worlds.

After a mishap, he accidentally became the protagonist. Unexpectedly, he and the villain cultivated together and they actually became dao companions.

“If you want to be with me forever, there is only the supreme road of achievement. Are you willing to travel with me?”

“Of course I’m willing.”

……

In Li JinZhi’s view, the protagonist and villain’s coexistence should be like swords and spears facing each other, a feud.

But when he crossed into the novel and became the protagonist; when he placed all his trust in the man who was supposed to be the villain; when the other side revealed some unusual feelings to him; when he held Ye Yu’s hand to the altar, he discovered that the relationship between the protagonist and villain isn’t as dull as he imagined.

When the monotonous pattern is broken, the feelings of resentment turns into sharing a common destiny.

- Description from Novelupdates