HP : The Frail-Looking, Iron-Fisted Beauty of Harry Potter

Gringotts Wizarding Bank, or simply Gringotts.

It was the only wizarding bank in the British magical world, run by goblins.

Besides storing money and valuables for witches and wizards, the bank could also exchange Muggle currency for magical currency.

The goblins would find ways to reintroduce the exchanged Muggle currency into the Muggle society's circulation.

"Gringotts is the safest place in the magical world, um... besides Hogwarts, of course."

Soon, the group walked down the not-so-long street and entered Gringotts Bank.

Looking at the goblins, who were shorter than the 11-year-old Dolly and Harry, Vernon and Petunia held their breath.

Because the goblins' appearance could only be described as fierce and menacing.

Sharp teeth, wrinkled skin, and beast-like eyes.

It was hard to believe that goblins were one of the most intelligent races in the wizarding world. Otherwise, they wouldn't have managed to gather all the gold of the wizarding world into their own vaults.

This was not an exaggeration. The goblins truly believed that all the gold in the magical world belonged to them.

It was just that because they lost a war, they had to temporarily lend the gold to wizards for their use.

Of course, wizards and the Ministry of Magic would never admit to such claims.

Soon, Hagrid led the group to a counter.

"Miss Dursley, I'll stay here with Harry to handle his affairs."

"You can go to the next counter to find another goblin for your business. Please rest assured, the goblins here all know how to deal with Muggles."

"Okay."

Dolly nodded immediately.

She knew very well that Hagrid was going to take Harry to see his family's fortune and to retrieve a very important item from a vault deep underground.

The Philosopher's Stone, in fact.

Also, Harry's family was very rich.

As a pure-blood family, the Potters had always had their own properties and estates. Even though no one was managing them now, Harry was still the heir.

Not to mention, Harry's grandfather had developed the Sleekeazy's Hair Potion, which was still a bestseller, and both Harry and his father were the sole heirs of the Potter line.

Harry had naturally become the heir to this vast fortune, which was why his vault was filled with Galleons.

Harry had said in the original book, "What's the point of emptying his Gringotts vault to buy this Firebolt?"

And according to the author, the price of a Firebolt was 500 Galleons.

This meant that 500 Galleons was a huge sum for Harry, who had an entire vault of treasure.

Of course, this might have been a modest statement.

After all, Harry had to live off the money in his vault for his entire school career. 500 Galleons was probably the amount he could spend beyond his living expenses.

So, counting his seven years of living expenses and various extra costs, it was reasonable to assume his vault contained five or six thousand Galleons.

Of course, this was just Harry's cash on hand.

If you counted the other Potter family assets, there was still a large sum of money.

But so what?

At most, it was a few tens of thousands of Galleons.

Multiply that by ten at most, a few hundred thousand Galleons, a few million pounds.

Although Dolly didn't have that kind of money now, it wasn't difficult for her to earn it by following the trends of her past life.

And that was assuming she didn't know magic. Now that she was learning magic, her options would only increase.

Of course, Dolly wouldn't directly violate the Statute of Secrecy. That would only get her hunted by the entire magical world.

So Dolly was very curious to know exactly which activities were legal, such as how the goblins circulated pounds back into the Muggle world, and how much trickery they engaged in with their coinage.

This was why Dolly was very happy to have a face-to-face chat with the goblins.

As for the secret Hagrid was carefully keeping for Harry, Dolly really wasn't that interested.

"Hello, Mr. Goblin. May I call you that?"

Dolly approached a counter. In front of her was a goblin with messy hair.

The goblin looked up, scanned the three of them, and then tapped his nameplate.

Dolly immediately corrected herself. "Then, excuse me, Mr. Serrano."

The goblin nodded. "New students from the Muggle world? You can exchange pounds for Galleons here. How much do you plan to exchange?"

Vernon cleared his throat, about to speak, but Dolly waved her hand at him. "Dad, can I do this myself?"

Vernon was a bit confused at first, but after seeing Petunia's encouraging look, he understood.

Hogwarts was a boarding school. In the future, their daughter would have to rely on herself.

So Vernon gave his daughter a cheering gesture, and Dolly returned a warm smile.

"Excuse me, Mr. Serrano, is there a limit to how many Galleons I can exchange?"

"No."

Serrano's voice rose a pitch. He realized he might have a big client.

"But Galleons are heavy. You can't carry a few hundred pounds of gold around, can you?"

"You can open an account with us, store the exchanged gold in a vault, and just take two hundred Galleons for shopping. If it's not enough, you can come back for more."

"As for the gold stored with us, we only charge a storage fee of five-thousandths per year. The price is fair and reasonable."

Behind them, Vernon was dumbfounded.

Wait, isn't this a bank?

Why do you have to pay the bank to deposit money?

Are the banks in the magical world so unreasonable?

Dolly, however, was very calm. This was within her expectations.

Because the goblins wanted to collect all the gold they could, how could they possibly pay interest to wizards in return?

And Gringotts was essentially a vault and safe deposit box. Although it was called a bank, it was indeed very different from a Muggle bank.

But Dolly showed the same shock as Vernon. "But at the banks where we come from, they give interest to customers who deposit money."

"Then why can't I just keep my money in our banks and come here to exchange for gold when I need it?"

"That way, at least I would earn some profit."

The goblin Serrano gave Dolly a surprised look. "That's your freedom, as long as you don't mind the trouble."

"Little Muggle girl, since you're so smart, I can tell you."

"We are only interested in gold. Exchanging pounds for Galleons is a requirement of your wizarding Ministry of Magic."

"For us, whether it's collecting pounds or spending them in the Muggle world, it's a burden."

"We would be happier without this job."

The implication was clear.

Take it or leave it!

....

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