In a world where time is the ultimate currency, the only thing more expensive than living is saving a life. In the glistening spires of the Credit Zone, time is literal money. Through the Time Credit Bank (TCB), the elite can "Advance" decades of their future to stay young forever, while the poor in the "Hollows" bleed away their minutes just to keep the lights on. Travis White was a man with a plan: work hard, save his seconds, and grow old the natural way. But when a catastrophic explosion levels a Mid-District restaurant, Travis makes a split-second decision, a thirty-year mistake. To save his friend from certain death, he triggers a Grade-7 Advance, instantly gaining the strength to move mountains—at the cost of three decades of his life. One heartbeat, thirty years gone. Now, Travis is "settling." His skin is sagging, his bones are turning to chalk, and his dark hair is streaked with the white frost of a life lived too fast. But in the eyes of the TCB, Apex Life Extension and the predatory India, a rising corporate star, Travis isn't a hero—he’s an Asset. He is a biological goldmine of high-yield antibodies, and the everyone wants to harvest what’s left of him.