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

Dolly took a stack of pounds from her bag.

Each was a hundred-pound note, a total of five thousand pounds.

This was all the money Vernon had prepared for his daughter for the year, enough to exchange for a thousand Galleons.

Vernon originally thought it wasn't enough, but Dolly stopped him from taking out more.

Because Dolly knew very well that exchanging for more Galleons was not only meaningless but also a losing deal.

Taking out so much money now was just to whet Serrano's appetite, to see if they were really uninterested in pounds.

Sure enough, a little more spirit appeared in Serrano's eyes.

This was keenly captured by Dolly. She realized that although the goblin in front of her said that pounds were just a burden and he wasn't interested in them at all, they also knew the true function of pounds. For example, pounds could be used to buy gold.

If the ultimate goal was to obtain more gold, the goblins didn't mind if the process was complicated and tedious.

But on the contrary, if they were asked to give up gold, even if the process was incredibly simple, they would be in extreme pain.

"Mr. Serrano, please forgive a child's curiosity."

"If you satisfy my curiosity, I will exchange these pounds for Galleons and store them."

Only then did Serrano nod. "What else do you want to ask?"

"I was wondering how you do business with Muggles. The big fellow just told me that wizards have a Statute of Secrecy. Shouldn't you not have any contact with Muggles?"

Serrano frowned. This question was actually very sensitive.

It involved the secret of how goblins made money, and it also involved the Statute of Secrecy.

But then Serrano's brow relaxed. He didn't have to tell the truth, did he?

He was just dealing with a child. Any random reason would do.

"It's actually very simple. Our magical world has many Muggle-born wizards like you."

"After they graduate from Hogwarts, they are happy to continue living in the Muggle world. Some even hold important positions in the Muggle world with their abilities."

"Through them, we can naturally exchange pounds for whatever we want. This is a legal method permitted by the Ministry of Magic."

Serrano only told half the story.

Where there were legal means, there were naturally illegal ones.

Although most Muggles didn't know about magic, those at the pinnacle of human power were actually not that ignorant of wizards.

After all, for them, any existence that could threaten them should be eliminated.

If they couldn't be eliminated, they had to be understood, and then a consensus had to be reached to form an alliance.

With this premise, many good things from the wizarding world became hot treasures in the Muggle world.

Of course, if a wizard did such a thing, they would be thrown into Azkaban or even executed directly.

But if it was a goblin, or even some magical creatures, who did such things, who could control them?

As for the big shots in the Muggle world occasionally making some willful investments and donations, wasn't that also a reasonable situation?

Don't think this is absurd.

If you know that the ancestors of the Draco Malfoy family were wizards who followed King William I of England in the Norman Conquest, and that their family even tried to marry into the British royal family, although they failed in the end, you would understand enough. The relationship between Muggles and wizards was actually far from being so tense, at least not at the top level.

The Statute of Secrecy was, after all, a matter of the last few hundred years, while Muggles and wizards have been intertwined throughout human history.

Serrano didn't say these things, but Dolly knew them clearly.

She didn't expose him, and then took out a thousand pounds and placed it on the counter.

Serrano nodded in satisfaction.

The little Muggle in front of him hadn't even learned magic yet, but she had a very sharp mind.

At least she had surpassed most wizards who couldn't even count. At such a young age, she was already interested in finance.

It couldn't be helped. Hogwarts didn't teach math, after all.

"So, Mr. Serrano, in the process of you spending the pounds, if you make a profit, whose is it? Will it be given to the Ministry of Magic?"

Serrano's eyes widened slightly, and for a moment, his face was a little flustered and awkward.

Because Dolly had clearly asked about a blind spot for most wizards, and also hit the key point of the goblins' and Gringotts' shady dealings.

That's right. How many pounds did Gringotts receive, and how many did they spend?

These were on record at the Ministry of Magic. But if, in the process of spending the money, profits and appreciation were generated, who was responsible for auditing this part of the profit?

Obviously, the goblins themselves.

If this chain could be extended, with multiple appreciations and profits, whose vault would this money eventually end up in?

Obviously, the goblins' own vaults.

In other words, if they made money, the goblins could take all the profits.

If they lost money, would the goblins make up the principal?

Obviously not. They would just report the loss to the Ministry of Magic. Anyway, the Ministry couldn't possibly do better than the goblins.

Serrano didn't really want to answer this question.

But now Dolly put down two thousand pounds directly.

This caused a stir in Serrano's heart. If he could secure this large order from Dolly, his performance for the week would be guaranteed.

For dinner tonight, he could also add an extra piece of bloody raw meat.

Finally, Serrano was swayed.

After all, he was just a goblin. Keeping promises was something dwarves and elves liked to do. They only obeyed their own interests.

He tapped on the table. Dolly understood and handed over the rest of the pounds.

Only then did Serrano give an ambiguous answer. "Gold will only return to the hands of those qualified to hold it."

As for who was qualified and who was not?

For goblins, such a thing was not worth discussing.

Because all gold belonged only to them.

After saying this, Serrano began to process the paperwork for Dolly.

Soon, an account in the name of Dolly Dursley was opened, and Dolly received a total of one thousand Galleons.

Serrano took out two hundred Galleons and gave them to Dolly. "The remaining eight hundred Galleons have been stored in your vault. We will deduct the annual management fee ourselves; you don't need to submit it."

This practice was as if they considered Dolly's gold their own.

However, Dolly knew the nature of goblins very well. Not only was she not angry, but she said with a smile, "Mr. Serrano, I want to give you a gift. Do you have a pen and paper?"

Serrano nodded. If someone was giving him a gift, why would he not accept it?

So he handed the pen and paper to Dolly and watched curiously as Dolly wrote and drew on the paper with the quill.

But the more he looked, the wider his eyes grew.

....

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