My Ultimate Sign-in System Made Me Invincible Chapter 521 JP Morgan's Board Meeting

Just two hours following Nova Technologies' announcement, every member of JP Morgan's board had gathered in the main conference room.

All of them had gotten an urgent summons from Whitlock to convene within the next two hours. Most wondered what the crisis involved, but after seeing Nova Technologies' announcement, they swiftly pieced together the reason and arrived in under two hours.

Entering the conference room, they sensed this would be the pivotal meeting of their careers.

Whitlock sat at the head of the table by the time the final board member arrived. He launched into the meeting without waiting for everyone to fully settle.

"Thanks for arriving on such short notice," he stated. "I'll get straight to the point on why I called this gathering."

He flipped open the folder before him and passed copies along the table.

"This morning, I met face-to-face with Nova Technologies' CEO. He visited my office personally." He paused to let it sink in. "He extended a formal proposal for JP Morgan to serve as the exclusive financial partner for the Lucid platform. What you're holding is my recap of that discussion, plus key platform stats from last night's Transparency Report."

The room, already hushed, fell even more silent.

Richard Hale, a board veteran of eleven years, glanced up from the first page. "Official financial partner. Clarify the scope."

"Exclusive," Whitlock replied. "We construct and provide the complete wealth management setup for every active creator in the Lucid ecosystem. That covers private banking ties, investment portfolio handling, tax optimization across borders, asset safeguarding, estate planning, liquidity oversight. The entire package. It's not merely referrals or co-branded services. We manage the full infrastructure from start to finish."

"Every creator," noted Margaret Voss, head of consumer banking. "The announcement covers all active creators, no matter the tier."

"Exactly."

She placed the paper down deliberately. "James, our private wealth minimums serve a purpose. Admin costs for sub-threshold accounts can't be covered by usual fees. We'd operate at a deficit."

"Under usual fee setups," Whitlock countered. "Let me lay out the complete picture first before diving into the business details. The business details only click once you grasp the full opportunity on offer."

He guided them through the details.

First, the Transparency Report numbers. $6.32 billion in viewer gifts in one month. $595 million from in-game buys. $2.5 billion in net revenue for the company. All from a platform launched four months prior with just a thousand devices and one reveal, now pulling in monthly earnings surpassing the yearly GDP of multiple countries.

Next, the creator economy split. The distribution chart. Bottom half pulling $48,000 to $720,000 monthly. Top performers hitting nine figures each month. The stat that stunned everyone was one anonymous creator raking in $152 million in a single month from gifts alone.

Then came the figure central to this discussion.

"Nova Technologies holds over five billion dollars in undistributed creator payouts," Whitlock announced. "Withdrawal systems aren't in place yet. The funds sit within the platform's payment network, building up since day one. With ongoing creator growth, that sum swells by roughly two billion dollars monthly."

The room took it in.

Sandra Osei, silent until now, lifted her eyes from the stats. "Seven billion by next month's end. Nine the following."

"And climbing," Whitlock affirmed.

Hale flipped to page two. "When creators start cashing out, those funds shift somewhere."

"Precisely."

"He's handing us that somewhere."

"He's granting us that somewhere, exclusively," Whitlock said. "JP Morgan turns into the gateway linking the Lucid creator economy to the worldwide financial network. Every payout, account setup, portfolio build, tax submission across all creator jurisdictions flows through us."

The ensuing quiet carried a heavier weight than before. Board members, who entered suspecting the topic, now faced hard numbers that shifted the room's energy.

Voss held her pen over the page without marking it. "The admin cost issue is legitimate, James. I'm not ignoring the big numbers, but starting with twenty thousand accounts—mostly below our usual cutoffs—poses a real operations hurdle."

"The deal structure handles it," Whitlock assured. "The CEO didn't expect us to eat losses. It offsets the admin gap for smaller accounts. This isn't typical client onboarding math. Low-tier accounts are the entry fee. The pipeline is the real prize."

"The pipeline of five billion in their holdings."

"Plus all that follows. Expanding by two billion monthly. On a four-month-old platform."

Silence fell again.

Thomas Reeves, chief risk officer, spoke up for the first time. He'd been poring over the doc line by line.

"Regulatory hurdles will be massive. Structuring foreign accounts for creators in dozens of countries. Currency restrictions in some regions. EU will prove toughest," he stated.

"I get it," Whitlock replied. "The CEO gets it. He highlighted the EU specifically."

Reeves met Whitlock's eyes briefly, then returned to reading.

Osei finished scribbling calculations. She laid down her pen. "Assuming growth holds—and nothing suggests otherwise—AUM via this deal hits forty to sixty billion in twelve months. At minimum."

No one responded.

Hale eyed Whitlock. "You mentioned he came to your office today. Why the sudden push? What accelerated things?"

Whitlock pondered his response. "The Transparency Report brought everything into the open. Creator earnings are now public. The CEO reviewed them last night, spotted the issue—top earners lacking financial setups for unprecedented income scales, with no safeguards. He contacted his link at midnight. He reached my office pre-open." He halted. "He sped it up because a 16-year-old Spaniard has made $165 million in four months without touching a dime, unsure how to handle it."

The room grew profoundly still.

"That's his stated reason?" Voss asked.

"His main one," Whitlock confirmed. "He stressed it wasn't just business sense. He noted the kid earned it fairly and merits guidance to ensure it transforms his life, not burdens it."

Several glanced back at their papers. Not for fresh info. Just needing a focal point momentarily.

Reeves refocused them. "Market's already reacting. Two hundred ten billion shift in two hours post-announcement."

"I know."

"Shareholders know. Institutional backers know. Analysts have started reports. Announcement omitted our name, but markets linked it fast." He placed the doc aside. "To be exact: this isn't a barrier. But the board must realize we're not isolated here. Markets have baked this in. Our choice carries extra gravity since that reveal."

Whitlock nodded. "I grasp that."

"Any deadline from him?"

"Seventy-two hours for a formal reply. He wasn't worried about our yes."

Hale raised his gaze. "He wasn't concerned."

"Correct."

Paul Jennings, silent till now, set his copy down flatly. "James, before the vote. One direct question." He stared firmly at Whitlock. "In that meeting with him today—do you trust this company matches the announcement claims?"

The query lingered.

Whitlock didn't rush. He recalled the morning office: Liam already there, unnoticed at first. The woman entering boldly, sitting close. Liam's words on her, her own brief account.

"Yes," Whitlock affirmed. "I believe it utterly."

Jennings held the look, then nodded and retrieved his copy.

Reeves scanned the table. "Formal vote needed, or is consensus clear?"

No objections arose.

"Agreed then," Whitlock declared. "I'll reach the CEO shortly to confirm. Legal starts framework drafts today. Comms preps our public statement. Regulators get our attention too."

He surveyed the table once more.

"This stands as the grandest partnership in our institution's history," he emphasized. "Make sure everyone here gets that before departing."

No disputes.

The session wrapped in sixteen minutes flat.