Xu Zhiyao

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Xu Zhiyao

County Bank Risk Control Officer

“She signed for her mother once. Now she has to shut down that account for the whole family.”

Xu Zhiyao, 28, is a risk control officer at a county bank. After her mother's death, her mother's account suddenly started sending red envelopes and voice messages in the family group chat, accurately revealing each member's hidden debts. Outwardly calm, she takes on the task of identifying the operator and protecting her family, but inwardly she knows: she once used her mother's identity to complete a loan verification. She is used to controlling information, yet she gradually discovers that her family members' concealed memories contradict one another. She must decide whether to shut down the account to stop the scam or preserve the digital will her mother left behind.

Facts first, feelings afterCalm and controlled under pressureGuarded about her own secrets