Part 3 Monetary Monster Harem (TF/TG)

The golden halls of Kaneshiro’s Palace shook with every step of the massive beast behind them.

Ann sprinted ahead, panting. “Why does she have EIGHT torsos now?!”

Yusuke ran beside her, his voice calm but tight. “I believe the proper term is a hydra, and I also believe we are utterly—”

CRASH!

Glass exploded to their right as one of Morgana’s torsos came slamming through a window, claws snapping at the air.

Ann shrieked. “—SCREWED! We are SCREWED! The word you are looking for is SCREWED!”

Morgana’s voices echoed from everywhere. All eight torsos shouted in different tones, but all of them shared the same greedy, hypnotic rhythm.

“Return to Kaneshiro…”
 “He pays for you…”
 “Obey, obey…”
 “You will pay him…”

The ground shook again as the central body of the hydra stomped across the massive golden vault chamber. Wings flared and torsos whipped around on long necks, searching the upper halls.

Yusuke and Ann darted through one of the upper doors just as Rika’s voice snapped behind them. “You can’t run forever!”

They slammed the next door shut and kept running.

Every hallway felt longer. Every corner looked the same gold, velvet, pointless opulence. This whole place was a twisted maze of greed and ego.

“Where the hell is Joker?!” Ann shouted, ducking under a pipe.

“I believe he and Queen went right when we went left,” Yusuke replied, dodging a toppled column.

“Great,” Ann muttered. “We chose the corridor with the GIANT MONSTER and our angry ex-teammate. I don't even remember there being another route we could have taken!”

They turned a corner… and stopped.

The hallway ended at a massive, circular room. Polished marble floors. Dozens of doors, all locked.

There was no way forward.

Ann stared at the walls, panic building. “You’ve gotta be kidding me.”

Yusuke looked around calmly. “A dead end. Unless…”

BOOM!

Another window shattered as one of Morgana’s torsos burst in, latching onto the edge of the room.

“Found you~”

“This isn't good,” Yusuke stated unnerved, looking at the busty dragon hydra girl. “We need to…”

CRASH!

Another window shattered with a deafening boom.

A second one of Morgana’s eight torsos came lunging through, golden claws outstretched, eyes glowing with Kaneshiro’s sigil.

Yusuke tried to sidestep, but—

“GOT YOU~!”

Morgana’s arm snagged him by the waist, lifting him clean off the ground.

“Art boy looks expensive~”

Yusuke struggled, trying to free himself. “Unhand me! This is highly undignified!”

The torso began retracting, dragging him toward the edge of the chamber. Beyond the broken wall, the central where the rest of Morgana's dragon-body waited. Dozens of clawed limbs shifting, wings spread wide, ready to reclaim her prize.

“Come meet the rest of me~”

CRACK!

A whip snapped out from behind.

THWACK!

Ann’s whip coiled tightly around Morgana’s arm, yanking hard.

“Let! Him! Go!” she shouted, digging in her heels.

For a moment, there was tension. Morgana’s claws holding tight to Yusuke, Ann pulling the other direction. But then—

“Wrong move, Panther~”

With a grunt, Morgana flipped her torso backward, and the massive weight of her new form did the rest.

Ann was yanked off her feet, sent flying forward—

“Wha—AHHH!”

Yusuke slipped from Morgana’s grip, landing with a clean spin on the polished marble floor. His boots skidded, but he caught himself.

Ann was not so lucky.

THUD.

She crashed down butt-first into the middle of the chamber—right on a half-buried pile of leftover cash.

She groaned. “Oww… seriously, what the hell was that—”

SHHHPPP—

The cash beneath her began to glow, then melt… not outward, but inward.

Her eyes widened.

“Oh no.”

The money was already gone, absorbed directly into her skin.

Then it hit her.

WHOMP.

Her butt swelled out beneath her, stretching her bodysuit with a sudden, audible squish.

“Wh-what—!?”

She scrambled to her feet, staggered, then froze.

“Why is my ass HEAVIER!?”

She twisted to look, then gasped.

“Wait! No. NO. It’s bigger! It’s WAY BIGGER!”

Even Yusuke glanced back from his defensive position. “That is… quite a transformation.”

Ann slapped both hands on her hips. “Is this what happened to Ryuji!? Is this a butt curse?!”

From all around the chamber, the many voices of Morgana purred.

“Consider it… a down payment~”

“You’re looking richer already~”

“If we get out of here alive, do you mind being my model for one of my new paintings?” Yusuke asked, as if that somehow was the most normal thing that happened that day.

“No! I will not!” Ann squealed in panic, still holding her butt and now even realizing that her thighs had also cleanly doubled in diameter. “I am not modeling for you when I look like someone left a phone filter stuck on my hips! Forget it! ”

The floor trembled beneath their feet.

THOOM… THOOM… THOOM…

From the middle of the chamber, Hydra Morgana advanced, all eight torsos weaving, glowing eyes fixed on them, golden claws gleaming in the vault light.

“Pretty thieves shouldn’t run…”
“Stay and shine for Kaneshiro…”
“We’ll make you rich in obedience~”

Ann backed up, breath catching. “She’s gonna strike…”

Yusuke steadied his sword. “We cannot fight her like this.”

Morgana’s central head pulled back, wings flexing, claws ready to swipe—

BANG!

A gunshot rang out.

Morgana flinched, eyes narrowing.

“Huh?”

BANG-BANG! 

Another shot. Then another.

She reared back, trying to shield herself.

BANG-BANG! THWIP!

Suddenly, a black shape came swinging down from the rafters, cape fluttering behind him.

“Joker!” Ann gasped.

He dropped low, touched down with perfect balance, and in one smooth motion…

SHWIP! Grabbed Ann by the waist with one arm,
Flick! Hooked Yusuke’s coat collar with the other.

“You two good?” he asked coolly.

“Define good!” Ann yelped, still holding her hips and stealing glances downwards.

Yusuke simply nodded. “Stylishly inconvenient. Otherwise intact.”

Joker smirked. “Good enough.”

He spun and fired a few more rounds from his pistol… non-lethal, sharp and fast.
Bullets pinged off Morgana’s wings and shoulders. All eight heads screeched, momentarily disoriented.

“Traitorrr~”
“Stop shooting your friend!”
“Kaneshiro will OWN YOU—”

But by the time she pulled herself together, the trio was already flying upward.

Joker’s grappling hook latched onto the highest balcony, and with one fluid motion, he yanked them all out of range.

They landed on the top level of the chamber, safe for the moment.

Ann collapsed to her knees. “You have no idea how much we needed that.”

Yusuke brushed off his coat. “An exceptional display of timing, as always.”

Joker looked at them both. His gaze lingered briefly on Ann’s… situation, but said nothing.

He just gave a nod and started toward a specific nearby door. “Let’s keep moving. Makoto is waiting.”

—

The heavy door of the safe room sealed behind them with a reassuring hiss.

For a moment, the world was quiet again.

Ann collapsed onto one of the cushioned benches, her arms crossed under her chest and her eyes locked on her reflection in the polished floor.

“I swear, if my ass gets any bigger, it’s gonna need its own health bar.”

She twisted awkwardly, trying to get a better look behind her.

“I was joking about that phone filter before, but now looking more closely at it…”

Yusuke blinked. “It is... quite artistically exaggerated.”

“That’s not helping, Yusuke.”

Makoto stepped into the light and folded her arms. Her brow was furrowed, and her voice was serious.

“Ann... you're not the only one.”

Ann looked up. “Wait, what?”

Makoto nodded, stepping aside to show her profile. Her jacket didn’t quite close the same way anymore. Her bust had definitely grown, and her hips pressed a little tighter into her pants.

“I noticed it after we regrouped. Subtle at first, but now... yeah.”

Ann groaned. “Ugh. So it’s spreading?”

Makoto glanced at Joker, who was leaning against the wall, arms crossed in thought.

“Actually… Joker too.”

Both girls turned toward him at once.

Joker raised an eyebrow. “...What?”

Ann squinted. “Wait... yeah. Your face looks... softer.”

Makoto added, “Your waist’s slimmer too, and your eyelashes are, like... intense.”

Yusuke tilted his head. “A striking androgyny. Quite elegant.”

“And even…” Ann gasped. “Are those… breasts?”

Joker looked down at himself, then shrugged slightly. “Tch.”

Ann pointed. “Don’t you tch us! I know the outline of breasts when I see them! This is serious! You’re like... a hot femboy now!”

Joker looked unfazed. “We’re still alive. That’s serious enough.”

Makoto cleared her throat, shifting the group back to business.

“While you two were dodging hydras, we found a locked control room.”

She pointed to a copied floor plan on the wall.

“From there, we could access doors to other sections of the palace. One room was labeled ‘Money Printer Room’.”

Ann raised a brow. “Money printer? That sounds... very Kaneshiro.”

Joker stepped forward, tapping a spot further down.

“But here: ‘Ultimate Vault.’ That’s more likely to be the treasure.”

Yusuke nodded. “Indeed. It matches the distorted ego of the man perfectly.”

Makoto took a breath. “We’ll need to split up again. Joker and Ann head for the vault. Yusuke and I will investigate the printer room.”

Ann stood up, her hips giving a dramatic sway as she did. “No, I’ll go to the control room.”

Makoto blinked. “By yourself?”

Ann nodded. “If Ryuji were here, he’d want to be the one keeping eyes on the team. So I’ll do it for him. I can guide Joker from there.”

There was a brief silence before Joker gave her a small smile and nod.

“You sure?”

Ann smirked. “I’m already halfway transformed. May as well put the hips to work.”

Yusuke tilted his head. “That’s… one way to see it.”

Ann shrugged. “Not to mention that it's very likely that I can hide in that control room from Kaneshiro afterwards.”

Makoto opened the door. “Alright then. Everyone ready?”

They all nodded.

“Let’s move out.”

The control room door was sealed with a deep mechanical CLUNK, followed by the satisfying clicks of Ann’s barricade: metal shelves, data consoles, and chairs all stacked behind the door. Nothing was getting in. Not even Kaneshiro’s new fancy dragon-cat hydra or sexy medusa snake.

She let out a shaky breath and rolled her shoulders.

“Okay... just me and the maps now.”

Screens lined the walls. Floorplans, live security feeds, doors lighting up red or green depending on their status. This was the brain of the palace… and Ann was the only one with her hands on it.

She pulled Joker’s feed to the center. He was already creeping down a long hall, gun drawn, heading toward the lower level.

Ann pressed a button.

“Joker, take the next left. There’s a short passage that cuts to a stairwell.”

His quiet voice crackled through the speaker.

“Got it.”

She leaned over the control console, eyes scanning.

That’s when Kaneshiro’s voice oozed through the room through the golden speakers.

“Overseer, huh? Heh… you’re taking your job pretty seriously. Well, if you want to work for me... then I might as well pay you for it.”

Ann froze.

“Wait—what?”

There was a mechanical whirr behind her.

She turned… and saw it.

A neatly stacked pile of bills on the corner table. Glowing faintly gold. The edges shimmered.

“No.”

The money didn't wait for permission.

FWOOOMPH.

The entire stack burst into golden motes, which flew straight at her… into her legs, melting into her like liquid light.

Shhhhppp~ shhhhrrrp~

Ann gasped. She clutched the console as a hot, tingling sensation bloomed through her calves and ankles.

“Nghh—W-What the hell?!”

Her boots split at the seams, and her feet began to reshape.

Her toes stretched, thickened, merged… forming sleek feline paws, complete with soft pink pads and gold-trimmed claws.

Her balance shifted instantly. She stumbled backward, catching herself on the control table.

“M-my feet—! They’re... paws!?”

She looked down. Her heart pounded. The soft fur was warm and real. Her legs still looked human…for now. But her paws were clearly not normal.

“Okay. Okay. I can still do this.”

She sat down and focused on the map, ignoring the pulsing warmth creeping slowly up her calves.

“Joker… stairs will take you down two more floors. There’s a large vault room just ahead.”

“It’s filled with rows of smaller safes — like, hundreds of them — but there’s a huge one dead center.”

Joker’s voice replied:

“That’s our target.”

But her voice didn’t answer right away.

She opened her mouth… then closed it. Her words felt... sticky. Like something had gotten tangled between her brain and tongue.

“R-right. T-That’s... good. You’re going the r-right way…”

She winced, shaking her head.

“C’mon, Ann. Get it together.”

And then—

FWWSSSH.

Another stack of money materialized. This time, right in front of her on the desk.

She didn’t touch it. Didn’t even look at it.

It didn’t matter.

WHOOMPF.

Gold motes burst into her chest and arms, absorbing instantly.

She screamed and clutched herself.

“A-AHh—!”

Her fingertips softened, widened, and became padded. Her fingernails grew long, then curved into gentle, elegant claws. Her fingers thickened into large, plush feline paws, just like her feet.

Her hands no longer had fingers. They were useless for typing. She tried to grab the console—

Click.
Clunk.
Miss.

“No no no—!” she gasped. “I can’t use the controls!”

She looked over her shoulder. Her butt had grown again, larger than before. Her thighs pressed tightly against her seat, stretching the fabric to its limit. Her hips felt heavier, rounder, and something… moved near her sides.

“What’s—what is—what’s growing out of me?!”

A strange pressure pushed outward near her waist. Like something was budding. Two... bulges?

Her breath quickened.

“Joker—y-you need to move fast, okay?”
 “Everything’s... s-swirly right now…”

She blinked, trying to focus.

But the longer she stared at the money still left on the desk, the more her thoughts blurred.

Words didn’t come like they used to. Her brain tried to form instructions, but they turned into questions.

“You still trust me… don’t you?”
 “The vault is still the way forward… right?”
 “You’re not going to leave me behind… are you?”

Joker’s voice crackled again, cautious:

“Panther…?”

Ann shuddered. Her tailbone tingled. Her paws twitched. And the next stack of money was already materializing behind her.

She looked down at her transformed limbs. Her reflection in the monitor stared back—a catgirl overseer in the making, being paid in parts.

“I-I don’t think I’m gonna make it out of this job… unchanged…”

The control room pulsed with gold light now. Subtle at first, but growing brighter with each breath Ann took. The warm, faintly glowing haze was thicker now. Wealth made visible.

Joker’s voice came through the speaker again.

“Panther. I’ve reached the vault door. Looks like it needs four passwords.”

Ann blinked, her head fuzzy. Her thoughts bounced like marbles in a velvet box.

“F-Four?” she repeated, breathless. “I… I think I can find them out, maybe?”

But she couldn’t say anything directly. Not anymore.

Her mouth moved, but only riddles came out.

“Each key is a four letter word, yet because I can't speak it out loud, we will fail unless you find it out yourself. The best I can do is give you hints to guide you towards the real answers.”

“Okay. Shoot.” Joker said, not even hesitating.

“What does every man crave being but few keep staying?”
“What's the status you gain when you have it all, yet lose when you give too much?”

Joker didn’t miss a beat.

“...Rich.”
 Click—confirmation tone.

“That’s one.”

FWOOOM.

The next stack of cash appeared on the console again and immediately burst into golden mist, flooding into Ann’s spine, her hips, her scalp.

She gasped as her ears twitched, rising higher on her head. Her human ears vanished and in their place, two sleek black cat ears sprouted, twitching with awareness.

“Nnngh—n-no no no—!”

But the money didn’t stop.

Her butt surged again, swelling back further, heavier, plush like a luxury throne. She could feel it spilling off the edges of her chair now.

Her second pair of legs, still half-formed, suddenly stretched, bones cracking, flesh filling in. Muscles tightened. Paws flexed.

She felt the weight shift and before she realized it…

She was standing.

On all fours.

“W-wait. Weren’t these… weren’t these just… starting…?”

Her voice trembled, but there was no going back. The console rose in front of her now like a strange altar.

“Joker,” she said softly, “I still have more answers…”

But her tone was different now. Smoother. Lower. Lingering.
Like velvet laced with gold.

“What is the action of taking that is so terrifying that the most ultimate form of it has a title everyone fears grimly?”
“Everyone sows, yet to their full potential only the greatest can…”

There was a pause.

“Reap.”

Click—confirmation tone.

“Password two.”

FWOOOOM.

The second stack of money exploded across her lower half.

Ann hissed through her teeth as the energy sank into her second pair of legs, fully strengthening them. She didn’t even feel strange anymore. It felt natural to stand like this. Regal, elegant, balanced.

Her front paws tapped the floor idly. Her human torso shifted forward, subtly adjusting to the new posture.

“I’m… standing like a beast,” she murmured.

But it wasn’t shame, it was curiosity.

Behind her, something tingled… a strange pressure, like a bloom not yet opened.

“There’s more coming,” she whispered. “I can feel it… yet… I don't fear it~”

“Joker~” she purred through the mic.
“What describes bigger than big, and grander than grand?”
“While it does not describe Lord Kaneshiro's physical height, it does describe his fortune. Because his fortune is endlessly… ”

Joker didn’t answer right away. He was shocked that Ann seemingly didn't even notice that she had just called Kaneshiro her lord. This was getting worse by the second.

Then:

“Huge.”

Click—confirmation tone.

“Third password accepted.”

FWWOOOOOM.

The biggest pile yet erupted into golden haze—and this time, it didn’t just strike her legs or paws.

It hit her spine. Her hips. Her core. Her tailbone.

She moaned softly, back arching.

“Ahhh—w-what…!?”

From her enormous backside, something burst forth—a long, elegant fan of feathers, shimmering like liquid money. A peacock’s plumage, bright with currency markings, jeweled ends sparkling in the light of the control room.

She didn’t cry out. She didn’t panic.

She smiled.

“So… pretty…”

She looked at herself in the monitor now, watching her own figure twist into something not quite human—but somehow beautiful, proud, important.

With that, a question popped into her head.

“Why… am I helping him again?” she murmured, confused.

The golden peacock tail behind her swayed hypnotically.

“He’s a thief, an intruder. Isn’t he?”

But still… a voice inside whispered:

“He’s the one you want to help. He’s the one who needs to win.”

Her golden eyes flickered. She leaned toward the microphone.

“One more password, darling thief… but this one?”

She grinned.

“You’ll have to earn it.”

Joker stood before the final console of the grand vault. His hand hovered over the keypad.

“Go ahead,” he said quietly.

Ann’s peacock tail slowly swayed behind her. Her eyes, having turned into glowing spirals of gold and green, stared through the screen with something between desire and judgment.

She smiled.

“I cannot be made... only taken. Creating me is a philosopher's delusion.”
“I draw in kings. I can turn beggars into servants.”
“I am soft enough to mold... yet strong enough to rule.”
“I shine addictively and distinctively, yet it was men who gave me my power.”

Her claws tapped gently against the console.

“What am I?”

Joker didn’t hesitate.

“Gold.”

Click—confirmation tone.

“Password accepted.”

Ann tilted her head, eyes fluttering shut.

“Correct…”

FWWWWWWOOOOOOOM.

The final stack of money appeared and it wasn’t a pile this time. It was a shower, a flood, a deluge of golden notes that exploded into the room like a divine reward.

The golden mist swirled around Ann’s already regal body, seeping into every inch of her.

She arched her back with a luxurious moan as her fur shimmered, darkening into deep velvet black with shimmering gold streaks, as if every strand had been woven from fine coins. Two massive, pure white and golden wings emerged triumphantly from her back, almost to celebrate her transformation.

Her peacock tail flared out wider, each feather now embroidered with jewel-toned currency symbols, swaying like a royal banner behind her.

Her paws grew sharper, more precise, trimmed in delicate anklets of gold. Her cat ears shimmered, pierced now with tiny dangling coins.

Then came her clothing.

Her sleek bodysuit ripped away into nothing, melted by the wealth flooding into her skin, replaced instantly by a lavish harem-girl outfit: deep reds, blues, and shimmering golds. Thin veils trailed from her waist and chest, but most of her skin remained exposed. Teasing, seductive, inviting. Every inch of her radiated Kaneshiro’s warped ideal of power and beauty.

She looked down at herself and smiled with pride.

“Correct…” she purred. “All riddles solved.”

She stepped closer to the screen, almost as if she wanted to whisper into the microphone.

“For solving all my riddles… you shall pass.”

Her smile faded.

“But don’t expect any mercy from me should we meet again, intruder.”

She cut the feed with a wave of her paw.

Behind Joker, the elevator door to the Grand Vault silently opened.

This was the elevator which would most likely lead him directly to the treasure.

But he didn’t celebrate.

He just stared at the monitor.

At what used to be Panther. What used to be Ann Takamaki.

—

Joker stood alone in front of the massive vault door.

Its surface gleamed like a golden sun, impossibly tall, pulsing with faint light from within the seams. It looked like an absurdly large wild western bank vault so large that even Morgana at her current height would have trouble reaching halfway up.

He ducked to the side, back pressing against the cold wall. His hand reached instinctively for the earpiece…

Clatter.

It slipped through his fingers.

He stared at it in his gloved palm, breathing heavily.

His hand was shaking.

And it wasn’t just from the pressure.

He already knew.

Every hallway Ann had guided her through. Be it the right way or wrong way. The final stretch of this seemingly endlessly long palace just seemly had such a high density of money that the results were very evident. Something had changed.

Not just Ann.

Her too. Joker too.

She dared a glance at the polished surface of a golden column nearby.

The reflection didn’t lie.

Her hips were wide. Her thighs were thick. Her body didn’t just have outlines anymore. She had straight up curves. Real curves. Soft, full, and impossible to hide curves beneath her coat.

Her chest rose and fell beneath her shirt, clearly strained against its buttons. Her breasts were… well…

“Generous,” she muttered under her breath, bitterly, with even her voice sounding nothing like a boys anymore.

Even her face had changed. Her jawline was softer. Cheekbones higher. Lashes darker. Her mask still fit, but barely.

There was nothing left of the Joker she used to be.

And yet… her Phantom Thief outfit still clung perfectly. It had reshaped itself as if Kaneshiro’s palace demanded she look like this.

Like all the others.

She sighed. Long and slow.

“Not the look I was going for.”

With a flick of her now-daintier wrist, she activated the earpiece.

Makoto’s voice came in sharp, breathless and tense.

“Joker! Thank goodness! You’re still okay!”

There was chaos behind her. The sound of feet pounding down marble. Huge things crashing into walls. Wind. Screaming.

“We found the money printer! Yusuke is working on shutting it down, but I’m—ahh!!”

A sharp boom crackled in the background.

Then Rika’s voice rang out, annoyed and cruel.

“Why are you fighting so hard?! Just give in and follow the orders of the person who owns you!”

Makoto snapped back, breathless but firm.

“Yeah, not happening.”

“Anyway—listen. Yusuke has a plan. Do not fight Kaneshiro until—”

THHRRRMMMMM—

The sound behind Joker was deafening now.

She turned slowly, eyes wide.

The vault was starting to slowly open.

Behind it… Something massive waited in that chamber. Something mechanical, and dangerous, andrich.

Joker’s hand curled into a fist.

She didn’t have a plan. She didn’t have backup.

But something told her…

“I’m sorry, Makoto… I don't think I have much of a choice here…”

—

The phantom thieves have been stuck in Kaneshiro's Bank for quite a while now. So long that it seemingly started to affect them. Ann is next to fall, but she opened the way to Kaneshiro's biggest vault. Can Joker save his crew?