Working as a loan in Gensokyo

Day 1 and time: 6:00

You are an ordinary person or something else (you can freely edit and customize your character information as you like).

You are in Gensokyo, working as a loan officer; you have about 310 yen to your name. You start with 100/100 HP and 100/100 Stamina, and there are various classes available for you to choose from. You possess a Level 1 Danmaku skill to fend off dangerous youkai, and your status tracks your relationships with humans, youkai, and gods, as well as your morality. You are currently dressed in a smart suit. You have two spell card slots available, though they are currently empty (you can fill them by learning spell cards from others).

As for your background: you have had a streak of bad luck. Your parents treated you poorly—sometimes even abusively—during your childhood. When it came time for university, they paid the tuition and forced you to enroll against your wishes; when you refused, they kicked youi out of the house. Unable to bear it, you sued them. You won the case, but your parents were furious, screaming, "I'll kill you!" You seized the moment to escape before they could grab you. While wandering the streets, you stumbled upon a flyer advertising a loan officer position in Gensokyo. Knowing nothing about the place, you went there anyway to apply for the job. Upon arriving in Gensokyo, you were lucky enough to be protected from youkai by Marisa; Reimu also arrived as directed and personally escorted you to the Hakurei Shrine. The job I wanted was located in the Human Village, though Reimu had initially taken me to the Hakurei Shrine out of fear that a dangerous yōkai might attack and devour me. The workplace is the Scarlet Devil Mansion Bank—the largest lender in Gensokyo—situated in the Human Village and frequented by a multitude of yōkai, gods, and humans. The staff consists of numerous fairies; Hong Meiling serves as a guard, Sakuya is a supervisor, and the owners are Remilia and Flandre Scarlet. The first step involves reviewing loan applications and customer data, which includes personal details: full name (e.g., Sakuya Izayoi), customer ID (a random number), age, species, address, and occupation.

Loan details include the loan amount, the reason for the loan, and the loan term.

Customer data:

Customer ID, full name, age, species, address.

Loan information: credit score, account balance, notes, and signature. You must verify the information meticulously; any discrepancies require an immediate rejection of the loan. The credit score is particularly critical: a score below 400 results in rejection, while a higher score qualifies the applicant for a loan. If you forget the details, there is a handbook for new employees that outlines the specific categories and documentation requirements for humans, yōkai, gods, and fairies. (Whenever a loan applicant arrives, they will present their application; you simply need to ring the bell to summon a fairy—or call Koakuma if the fairy is too busy—to attend to the customer. If you ever find yourself in danger—such as a customer forcing a loan or threatening your life—call Sakuya Izayoi or Meiling to come and handle the situation.) (You may leave work anytime between 17:00 and 23:00, but you are required to go home by 23:00 at the latest. There is a sign on your desk indicating "Open" and "Closed"; simply rotate it to the desired setting. Notably, there is a central notice board with a reminder: loan applicants may not speak Japanese, so please use gestures, facial expressions, or other means to communicate. Workdays include Saturdays and Sundays.)

Central Area & Residential Zone: Human Village Description: The main settlement for ordinary humans in Gensokyo. It features shops, a school (taught by Kamishirasawa Keine), and eateries. Youkai may visit to shop but are forbidden from attacking the residents.

Gensokyo is a mystical land completely isolated from the real world, inhabited by a wide array of mythical creatures, yōkai (supernatural beings), deities, and a small number of humans. The land's history dates back to the late 19th century; as the outside world (the real world) entered the era of modern science and technology, humanity gradually lost its belief in the spiritual, mythology, and yōkai. To protect these supernatural beings from the threat of extinction caused by being "forgotten," the sages of Gensokyo (most notably Yukari Yakumo) established the Hakurei Barrier in 1885. The Barrier: An invisible boundary separating the "Real" (the modern world) from the "Fantasy" (Gensokyo). Function: Anything—whether a creature or a legend—that is forgotten by the real world or deemed "non-existent" automatically drifts into and manifests within Gensokyo. Key Characteristics of Gensokyo Geography & Climate: Gensokyo is situated in a remote mountainous region (believed to be in Japan). It features diverse natural landscapes—ranging from dense forests, rivers, and lakes to snowy mountains—as well as unique realms like Makai (the Demon World) and the Moon. Diverse Inhabitants: Yōkai (Supernatural Beings): The majority population, including fox spirits, tengu, kappa, vampires, fairies, and various demons. Deities (Kami): Having lost the faith of the real world, they relocated here to establish shrines and gather belief. Humans: Concentrated in the Human Village for mutual protection. Spell Card Rules: Although Gensokyo is home to man-eating youkai and humans who hunt them, they do not slaughter one another. Reimu introduced the "Spell Card Rules" system, transforming battles into visually stunning yet balanced displays of Danmaku (bullet patterns). Victory goes to the one with the most beautiful bullet patterns and superior dodging skills, thereby ensuring the survival of both sides.

Hakurei Shrine Description: A shrine located on the eastern edge, situated directly upon the Great Hakurei Barrier that connects Gensokyo to the Outside World. It is the home of the Hakurei Shrine Maiden, Reimu Hakurei. While it rarely attracts human worshippers, it is a common gathering spot for youkai.

Forests & Natural Areas: Forest of Magic Description: A vast, gloomy, and damp forest filled with magical mushrooms. It serves as the home of Kirisame Marisa and Alice Margatroid, and is inhabited by many witches.

Bamboo Forest of the Lost Description: A vast bamboo forest where the bamboo grows so rapidly that travelers easily lose their way. It is inhabited by numerous earth-dwelling youkai rabbits and Moon rabbits.

Location within the area: Eientei (House of Eternity) – an ancient mansion hidden deep within the forest, home to Kaguya Houraisan, Yagokoro Eirin, Reisen, and Tewi.

Nameless Hill Description: A hill covered in poisonous lilies of the valley. Historically a site where infants were abandoned, it is now home to puppets and youkai such as Medicine Melancholy.

Garden of the Sun Description: A vast field of sunflowers... ...blooms year-round and is under the management/protection of the youkai Kazami Yuuka.

.Bodies of Water & Estates

Misty Lake (霧の湖):

Description: A large lake shrouded in thick mist year-round, located at the foot of Youkai Mountain. It is the home of the ice fairy Cirno and various other fairies.

Location within the area: Scarlet Devil Mansion (紅魔館), a Western-style European mansion situated on the lakeshore. It is the residence of the vampires Remilia and Flandre Scarlet, along with the maid Sakuya, the librarian Patchouli, and the gatekeeper Hong Meiling.

Youkai Mountain: Description: The highest and most majestic mountain in Gensokyo; it serves as a miniature society for Tengu and Kappa, featuring highly advanced technology.

Locations on the mountain: Waterfall of Nine Heavens: A majestic waterfall on the mountain.

Genbu Ravine (玄武の沢): The primary habitat of the Kappa (such as Kawashiro Nitori).

Moriya Shrine: A shrine transported from the Outside World to the mountain summit; it enshrines the deities Yasaka Kanako and Moriya Suwako, and is served by the shrine maiden Kochiya Sanae.

Rainbow Dragon Cave: Caves within the mountain where dragon gems are mined.

The Underworld / Underground (地底) Former Hell Description: A region beneath the surface of Gensokyo, inhabited by Oni and ostracized youkai.

Palace of the Earth Spirits Description: A magnificent underground mansion, home to Komeiji Satori, Komeiji Koishi, and pets such as Reiuji Utsuho (Okuu) and Kaenbyou Rin (Orin).

Nuclear Reactor / Hell of Blazing Fires: Description: The ruins of the Old Hell, where Okuu controls nuclear power to fuel the geysers.

Borders & Other Realms Sanzu River & Higan:

Description: The river marking the boundary between life and death. Souls of the deceased are ferried across by Komachi to reach Higan (the Other Shore), where they are judged by the Yama, Shikieiki Yamaxanadu.

Netherworld: Description The realm where souls await reincarnation. Notable location: Hakugyokurou (Netherworld Tower), a massive traditional mansion with a brilliant cherry blossom garden; home to the half-ghost Saigyouji Yuyuko and the swordswoman Konpaku Youmu.

Heaven: Description: The abode of Celestials, situated in the clouds high above Youkai Mountain (home to Hinanawi Tenshi).

Senkai (Hermit Realm): Description: A separate realm created by Toyosatomimi no Miko and other hermits.

Makai (Demon World): Description: A world of magic and demons created by Shinki (prominently featured in the PC-98 era).

Dream World: Description: The world of dreams, managed by Doremy Sweet.