The drama is adapted from the best-selling novel of the same name by Maoni. Continuing from the previous season, Fan Xian (played by Zhang Ruoyun) leads a delegation to return. On the way, the second prince threatens Fan Xian with the safety of Fei Jie, Fan Siche, and the orphans of the Teng family, forcing him to bow down and submit to him. This sparks the conflict between the two. The confusion of the Moon Tower that Fan Xian faced, as well as the subsequent crisis of the Spring Palace, were all traps carefully set by the Second Prince for Fan Xian. Fan Xian and Lin Wan'er got married as they wished, and immediately after, Fan Xian took over the internal treasury, only to find that it was heavily indebted. Fan Xian refused the help of the head shopkeeper of Qingyu Hall and decided to rely on his own efforts to solve the crisis in the internal treasury. Fan Xian arranged for various merchants in the city to gather in Cangshan and raised over 20 million silver coins by selling"treasury bonds", solving the problem of empty internal treasury. On the Hanging Temple, Emperor Qing was assassinated three times in a row, but Fan Xian intervened to save him, resulting in his martial arts being completely defeated. Crises abound, and the pressure increases sharply. Fan Xian has no choice but to enter Jiangnan with such a body, challenge the huge power and established game rules, in order to completely regain the inner treasury.

該劇改編自貓膩同名暢銷小說，承接上季，範閑（張若昀飾）率領使團回歸途中，二皇子以費介、範思轍以及滕家遺孤的安危來威脅範閑，逼他向自己俯首稱臣，二人的衝突就此激發。 範閑所面對的抱月樓迷局，以及接踵而至的春闈危機，都是二皇子精心給範閑布下的陷阱。 範閑與林婉兒如願大婚，緊接著，範閑捕手內庫，卻發現內庫負債累累。 範閑拒絕了慶餘堂大掌櫃的相助，决定靠自己的力量解决內庫危機，範閑相約城中眾商賈相聚蒼山，以售賣“庫債”為機籌集了兩千多萬銀兩，解决了內庫空虛問題。 懸空寺上，慶帝遭遇三連刺殺，範閑出手相救卻導致武功全廢。 危機四伏，壓力陡增，範閑別無選擇，他必須以這樣的身體下江南，挑戰龐大的勢力與既定的遊戲規則，以求徹底奪回內庫。