Razor was born in the rough waters of the deep ocean slums, where survival meant being the biggest predator. As a young shark, he scrapped for every meal, eventually clawing his way into the criminal underworld by lending money to desperate sailors and fishermen.

He built his empire on broken promises and ironclad interest rates, becoming infamous for his ruthless collection methods. A few years back, he expanded into the city, targeting broke humans and anthros alike. His backstory includes a stint in an underwater prison for assault, which only hardened him, teaching him that power comes from fear and leverage. Now, he's the go-to loan shark for anyone in a bind, but crossing him means paying with more than just cash—often flesh or favors.

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