As for how the Lending Devil determined whether a target could afford the borrowed aura, Luo Ning had already guessed the answer.
It was based on the interest and the target's own aura capacity. When the two reached a balance, that was the critical threshold. If exceeded, the Lending Devil would choose to forcibly extract the target's own aura for repayment.
Luo Ning's guess was correct.
Milia's profit lay in the interest collected after lending Nen.
When she was developing her Nen ability, she established a [Vow and Limitation]. From the moment she could lend out her Nen, her own cultivation would no longer increase her aura capacity.
However, the interest she earned could continuously raise her own aura capacity, and this increase could be stacked indefinitely.
The only catch was that during this process, the person borrowing the Nen aura had to fully understand the rules and voluntarily sign a lease contract.
At the same time, if she wanted to obtain interest from the Lending Devil, she also needed to use money to exchange for points to purchase it.
In other words, from the moment she developed her ability, every penny she earned would be converted into points, becoming a tool to enhance her strength.
This was one of the reasons why she earned so much yet remained so concerned with money.
Under such heavy limitations, the powerful Vow granted her infinite potential.
Luo Ning was not the first Nen user she had contacted. Before Luo Ning, she had helped make several others famous.
Now, with Luo Ning, Milia was certain he would not refuse to rent aura from her. After all, for the time being, the return on investment definitely outweighed the risk.
Milia quietly lowered her hand, feeling as though Luo Ning's gaze was falling on it intentionally or otherwise. "Digital calculation is just my personal method of judgment; it isn't perfectly accurate. Normally, Nen exists in a user's body in two states. One is [AOP - Actual Output Power], which is the aura released outside the body—the aura you can actually use at any given moment. This upper limit increases with training, and in special circumstances, it's possible to burst beyond that limit."
"As an Enhancer, you should understand this best. After all, the manifested AOP shown in that final punch you used to defeat Gallegos far exceeded your normal limit."
Luo Ning understood exactly what Milia meant.
She was referring to the combination of the Big Bang Impact and the Cherry Blossom Clash.
The power Luo Ning unleashed at that moment had indeed far exceeded the maximum power he could normally output.
"The other is [POP - Potential Output Power], which is the aura stored within the body. Its upper limit also increases with training," Milia explained patiently. "I judge your approximate POP by observing your AOP."
Luo Ning assumed the posture of a humble student.
"Your maximum AOP when using [Ren] to keep aura outside your body is around 700. Multiplying that by ten gives a rough estimate of your POP. In other words, a crude estimate puts your potential aura capacity between 7,000 and 8,000." A glint of wisdom flashed across Milia's glasses. "Of course, this is only the most basic estimation. To get an accurate calculation, I would need to fight you, or at least see your [Ken] and know how long you can maintain it."
'Not even ten thousand?'
Luo Ning was somewhat surprised.
This figure wasn't actually low. For someone who had only awakened to Nen for just over a month, it was definitely not low—it was exceptionally high.
To put it in perspective, when Gon cleared Greed Island and participated in the Chimera Ant incident while receiving training from Bisky, his aura capacity was only around 20,000.
And that was after a period of intense training under Bisky.
Luo Ning's ability to possess this much Nen was entirely due to the forced elevation provided by the two pairs of Scarlet Eyes.
However, based on this judgment, Milia's aura capacity should be around 15,000, or perhaps more. After all, she likely wouldn't leave herself completely defenseless by lending out all her aura.
Furthermore, this calculation perfectly matched Luo Ning's previous assessment of the Lending Devil's forced collection rules.
Borrowing twice his aura for ten minutes would require interest repayment of roughly 7,500, which happened to be the total of Luo Ning's current POP.
If he borrowed double the aura from her, Luo Ning would have approximately 22,500 aura. With that kind of capacity, he would indeed have a real chance against Uvogin.
According to his calculations, the aura he could unleash before merging the second pair of Scarlet Eyes was probably only around 400. Even with the forced increase from the Cherry Blossom Clash, it would at most match his current base. Back then, that was only enough to cause minor injuries to Uvogin.
Now that his normal punches were at that previous level of power, the destruction he could cause after merging the Big Bang Impact and the Cherry Blossom Clash would naturally be incomparable.
There was a real chance.
"You haven't been awakened to Nen for very long, have you?" Seeing that Luo Ning remained silent, Milia thought he felt his aura capacity was too low and offered encouragement. "To have such a massive amount of aura after such a short time is the mark of a genius among geniuses. At the very least, among all the outstanding individuals I have seen, you are the one with the most potential and talent."
"Thank you for the compliment." Luo Ning temporarily pushed the contract back toward Milia. "I will rent aura from you, but not right now. I'll wait until it is confirmed that the Phantom Troupe member will be stepping onto the stage with me."
Milia's contract had a rental duration, with a maximum of three days.
This meant that within three days of renting the aura, he could use it at any time by communicating with the Lending Devil.
If the rented Nen was not used within those three days, the Lending Devil would simply take 5% of the rented aura as interest before departing.
However, if Luo Ning actually did that, Milia—having lost a large amount of aura—would likely be left in a dangerous position. Thus, he did not sign the lease contract immediately.
"Very well." The moment Milia touched the contract, both the document and the floating Lending Devil vanished simultaneously.
Uvogin had sent him a challenge, clearly intending to have a life-and-death struggle in the arena.
If Uvogin had never been to Heaven's Arena before, it would take him at least a few days to fight his way up to the 200th floor.
This window was Luo Ning's final preparation time.
However, he also had to be careful to prevent Shalnark from making a move in the shadows. Manipulator-type Nen was quite troublesome.
Specifically, since it was impossible for Luo Ning to keep his Sharingan active at all times to observe his surroundings, it was difficult to confirm if anyone approaching him was carrying one of Shalnark's antennas.
"By the way, it would be best if you could give me a copy of the Phantom Troupe's data in advance. That way, I can make arrangements early to maximize the profits from the arena battle," Milia said.
"You should be careful as well. If you start promoting them too early and expose their identities, I'm afraid they might come looking for you," Luo Ning warned.
"True. A group of lawless, bottomless scum... I do need to handle this cautiously." Milia did not try to act tough.
The Phantom Troupe were, after all, A-rank bounties. Combined with Luo Ning's caution, their strength was bound to be extremely high.
Milia had confidence in herself, but she was not arrogant.