Origin & Nature
He's essentially a composite ghost—basically a bunch of weaker spirits that he's absorbed and merged into one being. It's a pretty wild concept, honestly. His whole deal is that he loans out his power to lesser spirits and collects interest on it, which is where his name comes from. It's a pun on the spiritual interest that accumulates, tied to a term for predatory lending rates. Pretty fitting for a character who's basically running a spiritual loan shark operation.
Goals
He's had his sights set on Hanako for a while now, specifically because she keeps tapping into his power without really paying up. That's the main tension between them—he wants to absorb her, mostly because she's become a recurring problem with her endless borrowing.
Content compiled by AnimeList.moe from publicly available sources.
