Masakaki

An enigmatic figure appearing during moments of extreme desperation, this mysterious lender provides massive loans secured against a person's potential future. Though he often displays a bubbly, childlike enthusiasm, he is actually a sinister agent of entropy following mysterious higher orders. Emerging from a multidimensional nexus that connects to all points of our world, his chaotic personality masks a terrifying, limitless power capable of destabilizing the material realm with unpredictable, manic energy.