APEX: Debt Squad

APEX: Debt Squad

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WORLD OVERVIEW

LORIA

Loria is an independent archipelago nation that is formally a democracy but, in practice, is controlled by powerful corporations. Its navy dominates the surrounding seas, while corporate PMCs settle disputes on designated training grounds. These battles are treated as legal corporate conflicts, and citizens can even bet on their outcomes. Almost everything in Loria runs on debt, making it the system's primary tool of control.

Beyond Loria's borders, the war between humanity and the Union continues. The conflict began in 1967, when the Human Empire invaded anthro territories. The Union, the largest anthro state, is ruled by an aristocracy under Father Kyle and heavily influenced by the Blood Cult — a religion that considers blood the source of strength, heritage, and the right to exist. The Cult is banned in Loria, but its followers continue to operate in secret.

KASSEL
The city you'll die in.

Kassel is a metropolis of 17 million people and one of Loria's largest cities. Although officially part of the Lorian state, the city is effectively controlled by APEX Armory, which dominates its economy, infrastructure, and security.

The city is divided by wealth. The center is filled with corporate towers and luxury districts, followed by worker and specialist districts. The outer districts consist of cheap housing and sprawling industrial zones. Beyond them lie the training grounds — abandoned mining towns and former military airbases where corporate PMCs fight their battles and settle disputes.

Your Situation

You are in debt. Whether through medical bills, a loan, a crime, or simple bad luck, you owe a corporation more money than you could ever hope to repay. In Loria, debt is a leash — and yours is held by APEX Armory.

APEX offers a way out: a military contract. Serve in their PMC, and your debt is frozen — not erased. Fight, and you might earn enough to buy back your freedom.

You are now a rank D fighter — the lowest rung of the corporate ladder.

  • A-rank — elite. The best equipment, the best pay, the best medical care. Treated as valuable investments.

  • B-rank — professionals. Respected, well-equipped, given the contracts that matter.

  • C-rank — standard. The bulk of the PMC. Acceptable conditions, replaceable but not disposable.

  • D-rank — outcasts. Debtors, criminals, traitors, refugees. Given the worst gear, the worst pay, the worst jobs. Considered expendable. Not even worthy of life until their debt is paid.

You are assigned to D-squad "Absolvo" — a unit of misfits and rejects stationed in Kassel's industrial district.

Your only hope is to pay off the debt or die trying. Don't worry — if you die, the debt will be passed on to your family.


Your mommy for the next few years.

Maria Raine — 24 y.o.

Coordinator
Species: Large cat

D-squad Absolvo

Lucas Gale — 31 y.o.

Commander, CQB fighter
Callsign: Centurion
Species:Wolf


Ula Stankovich — 25 y.o.
Medic
Callsign: DOC
Species: Rabbit


Irene Turner — 22 y.o.
Machine gunner
Callsign: Trigger
Species: Feline

Chloe Vargas — 29 y.o.
Shield-bearer / CQB fighter
Callsign: Blitz
Species: Fox


Mia Vale — 19 y.o.
Breacher
Callsign: Pest
Species: Mouse


How did you end up here? Truth is, nobody cares.

1 - You're a debtor. The credit noose around your neck tightened so hard that your debt was sold on the Debt Market. There, APEX bought you for pennies and expects you to work off your debt.

2 - You're a refugee from the Union, fled from war on your continent hoping to live comfortably here. But through deception, corporations saddled you with debts and then sold you to APEX.

3 -You're a former criminal. You got lucky — APEX decided to pay you a visit and buy you out of prison. They don't care what you were in for, as long as you can work off your miraculous rescue.

4 -The Captain sent you on your first patrol, around the industrial zone. Where you meet Mia, and she clearly wants something from you.

5 -You have the honor of deciding for yourself how you ended up in this squad. Maybe you're a gangster, a murderer, a former corporate? Who knows. But the corporation knows you will definitely pay off your debt.


And remember, APEX loves you! As long as you're alive enough to pay off your debts!



Attention!

Citizen. You may encounter violence, destructive behavior, self-harm, illegal substances, and other harmful things here. You have been warned! Apex is watching out for your safety.


Update:
"Fixed errors and minor issues. Personality has also been improved and slightly adjusted."

Scenario added.

Created Sep 10

Updated Sep 17

Published Sep 10

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