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  "description": "Find every Unparalleled item, collect all three IOU Notes, and deliver them to the right creditors in Lost Crossing.",
  "path": "/how-to-complete-the-mysterious-iou-encounter-in-where-winds-meet/",
  "publishedAt": "2026-03-13T04:38:35.000Z",
  "site": "https://allthings.how",
  "tags": [
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  "textContent": "Mysterious IOU is an Encounter-type side quest added to Where Winds Meet with the Version 1.4 Home Afar update. It takes place entirely in the Hexi region, centered on the Lost Crossing settlement north of Jade Gate Pass. The quest revolves around a set of cursed \"Unparalleled\" collectibles, a mysterious healer named Xiaohu, and three creditors who each hold a piece of the story.\n\n**Quick answer:** Pick up three Unparalleled items near the Karez Boundary Stone in Lost Crossing to trigger the Encounter, then collect three IOU Notes scattered across Jade Gate Pass and return them to the creditors Hu Nu'er, Tang Qi, and Yi Shisan before burying the final note with Monk Youtong.\n\nImage credit:__NetEase (via YouTube/@ZaFrostPet)__\n\n* * *\n\n## Triggering the Mysterious IOU Encounter\n\nUnlike most Encounters, Mysterious IOU has no quest-giver waiting for you. You start it by finding three \"Unparalleled\" items hidden around the Lost Crossing area. Each time you pick one up, your character blacks out and wakes up next to the Karez Boundary Stone. After collecting all three, the Apothecarium Physician appears in front of you, and the quest officially begins.\n\nItem| Location\n---|---\nUnparalleled Treasure| In a patch of grass south of the Karez Boundary Stone, nearly touching the golden border on the map.\nUnparalleled Manual| On top of a crate southeast of the Karez Boundary Stone.\nUnparalleled Wine| Under a tree root north of the Karez Boundary Stone, near Qi Xian's Oddity vendor pin on the map.\n\n⚠️\n\nThe blackout after each pickup is normal. You'll always respawn at the Karez Boundary Stone, so don't worry about losing progress.\n\nYou start the Encounter by finding three 'Unparalleled' items around the Lost Crossing area | Image credit:__NetEase (via YouTube/@ZaFrostPet)__\n\n* * *\n\n## Mysterious IOU Walkthrough — Detailed Steps\n\n**Step 1:** Talk to the Apothecarium Physician who appears after your third blackout. Agree to take the loan slip — referred to in-game as the IOU Note — to advance the quest.\n\nTalk to the Apothecarium Physician who appears after your third blackout | Image credit:__NetEase (via YouTube/@ZaFrostPet)__\n\n**Step 2:** Walk up ahead in the village and give the IOU Note to Monk Youtong. Speaking with him reveals background about a healer called Xiaohu and sets up the next objective.\n\nGive the IOU Note to Monk Youtong | Image credit:__NetEase (via YouTube/@ZaFrostPet)__\n\n**Step 3:** Collect three additional IOU Notes attributed to Sanniang. All three locations are marked on your map once this objective activates.\n\nIOU Note| Where to Find It\n---|---\nSanniang's IOU Note I| Directly behind Monk Youtong, next to the flag.\nSanniang's IOU Note II| Northwest of Lost Crossing in the Golden Sands River area. Two bandits stand by a ledge — use the Celestial Seize Mystic Skill to grab the note from the standing bandit's inventory.\nSanniang's IOU Note III| Near the Outside Whitecrest City Boundary Stone, southeast of Jade Gate Pass. Look for a large black sword stuck in the sand; the note sits in front of it.\n\n💡\n\nSanniang's IOU Note II requires Celestial Seize. If you haven't unlocked this Mystic Skill yet, you'll need to obtain it before you can finish the quest.\n\n**Step 4:** Return to Lost Crossing and hand the IOU Notes to the three creditors. Each one is in a different spot around the settlement.\n\nHand the IOU Notes to the three creditors | Image credit:__NetEase (via YouTube/@ZaFrostPet)__ Creditor| Location\n---|---\nHu Nu'er| Inside a building west of the Karez Boundary Stone, hammering an anvil.\nTang Qi| The general goods merchant of Lost Crossing. His merchant pin is visible on the map.\nYi Shisan| Near the Jade Gate Pass Wayfarer, sitting on the roof of a house.\n\n**Step 5:** After delivering all three notes, go back to Monk Youtong at the flag. Speak with him one last time, then bury the IOU Note by the flag to complete the Encounter.\n\nAfter delivering all three notes, go back to Monk Youtong | Image credit:__NetEase (via YouTube/@ZaFrostPet)__\n\n* * *\n\n## Mysterious IOU Rewards\n\nCompleting the quest grants a mix of gear, currency, and exploration progress. The rewards below represent the total earned across every step of the quest, not just the final turn-in.\n\nReward| Amount\n---|---\nSunward Spear| 1\nEcho Jade| 25\nHexi Exploration| 25\nEnlightenment Points| 200\nCoins| 7,500\n\nThe Sunward Spear is the standout reward here, making this Encounter worth prioritizing if you're building around spear-type martial arts. The 25 Hexi Exploration points also contribute meaningfully toward 100% completion of the Jade Gate Pass area.\n\nImage credit:__NetEase (via YouTube/@ZaFrostPet)__\n\n* * *\n\n## Common Sticking Points\n\nThe most frequent issue players run into is missing the Unparalleled items needed to trigger the quest in the first place. All three are ground-level interactables without quest markers until you pick them up, so they're easy to walk past. Use Wind Sense near the Karez Boundary Stone to highlight nearby interactable objects if you're having trouble spotting them.\n\nYi Shisan's rooftop location also trips people up. He's not at ground level — look for the house near the Jade Gate Pass Wayfarer and check the roof. You can reach him with a standard jump or Lightness Skill.\n\nMysterious IOU is one of several new Encounters introduced with the Hexi expansion in Version 1.4. If you're working through the region's side content, it pairs well with nearby quests like Land of Gold and An Unsung Name, all of which share the Jade Gate Pass area and contribute to the same Hexi Exploration total.",
  "title": "How to Complete the Mysterious IOU Encounter in Where Winds Meet",
  "updatedAt": "2026-03-13T04:38:37.677Z"
}