In 1841 when Struan's was on the brink of collapse, Dirk Struan received a loan of silver from the merchant Jin-qua in exchange for a series of favors. Among these were four bronze coins, split in half, four halves given to Dirk Struan, the other four halves kept by Jin-qua. Anyone who brought a half coin to the tai-pan of the Noble House would be granted whatever he asked, whether legal or illegal. All future tai-pans must swear to keep this bargain, before learning the details, if they were to become tai-pan. This served as repayment to the loan of silver.