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The Billionaire Queen's Collateral
The Billionaire Queen's Collateral
Author: S.J. Rowland

1

Author: S.J. Rowland
last update publish date: 2026-01-28 23:09:59

ELENA

“You need to leave. You’ve become my weakness.”

Valeris’s voice was low, steady, but her eyes betrayed her. They were darker than I had ever seen them. I saw the fear she tried to dress as control. She stood a few feet away from me, her hands clasped behind her back like she was holding herself together by force alone.

I laughed softly, because the alternative was breaking.

“Funny,” I said. “I didn’t realise I had that kind of power.”

She didn’t smile.

“That’s exactly the problem, Elena.”

The room smelled of rain, gun oil and something expensive I couldn’t name. Outside, the sound of thunder rumbled like a warning. Inside, my heart was beating too fast, too loudly like it was trying to escape my chest.

“I’m not asking,” she continued. “I’m telling you. Leave tonight. Before I forget why I should let you.”

I wanted to ask her what she meant by those words. I wanted to ask her why her voice quivered when she said my name. I wanted to ask why her idea of protection felt like a loss

But I knew the truth. Loving Valeria Moretti was dangerous.

A few months ago.

If you had asked me then, I would have told you my life was simple.

Not perfect. Just steady.

Marcus and I had been together since our college days. We met during our second year. He was perfect in every way. He, with his easy smile and endless plans, and I, with my books and quiet ambition. We grew into each other. Or that was what I believed.

That evening, I stood in front of the mirror of our apartment, adjusting the strap of my dress. It was adeep emerald green dress, Marcus’s favourite colour on me. He always said it made my eyes look brighter.

“Are you ready, baby?” he called from the living room.

“Two minutes babe,” I replied, smoothing the fabric over my hips.

It was a charity function, something about education reform and private funding as Marcus had explained. He said it was important to him. The networking, exposure, he said it was good for his business. Those were the usual words he used when he wanted me to attend events that made me uncomfortable.

When I walked into the living room, he stopped talking mid-sentence.

He was leaning against the couch, already dressed in his tailored black suit, his tie loosened just enough to look effortless. When his eyes landed on me, they softened.

I loved moments like this so much.

“Wow,” he said, straightening. “You look…spellbindingly beautiful.”

I felt my cheeks warm. Marcus always knew the right words to say.

“Spellbindingly,” I teased. “Is that your word for the day?”

He smiled and crossed the room, placing his hands on my waist. “No. That’s just the effect you have on me now.”

I smiled back, resting my hands on his chest. I loved him. I was sure of that. We had history together, we shared memories and comfort. Love didn’t always have to feel explosive, right? A quiet love was enough. Safer.

He kissed my forehead and grabbed his keys. “Ready?”

I nodded. I was.

Or so I thought.

At the venue of the event, everything was grand: high ceilings, crystal chandeliers, and soft classical music filling the air. People moved around in expensive suits and dresses, laughing loudly, sipping champagne like it was water.

Marcus’s hand rested at the small of my back as we walked in.

“Relax, my love,” he whispered. “Just smile.”

I smiled.

That was when the room shifted.

I didn’t see her at first. I felt her.

It was subtle, like there was a change in the atmosphere. Conversations became shallow, laughter quieter. My chest tightened for reasons I couldn’t name.

Then I saw her.

She walked like she owned the place, not too loud, not arrogant in any way. But with the kind of presence that drew attention toward her effortlessly. She wore a black suit instead of a dress, tailored perfectly to her body. Her dark hair was pulled back neatly, exposing her sharp jawline and eyes that seemed to see everything and nothing at the same time.

Valeria.

I didn’t know her name yet, but my breath hitched all the same.

“Marcus,” I whispered, my fingers tightening on his arm. “Who’s that?”

He followed my gaze and let out a low whistle. “That? That’s Valeria Moretti.”

Something about the way he said it made my stomach twist; half admiration, half caution.

:She’s a big deal,” he continued. “Investor. Shipping. Real estate. Tech. Name it. No one really knows the full list.”

I watched her as she moved through the room, people stepping aside, greeting her with polite smiles that didn’t hide their nervousness.

“She’s beautiful,” I mumbled before I could stop myself.

Marcus chuckled. “Yeah. She has that effect on people.”

I didn’t answer.

But my heart raced. Why? Why did my palms suddenly feel damp? Why did I feel this strange urge to leave and stay at the same time?

Valeria turned toward our direction. Our eyes met.

It felt like a mistake. The way her gaze settled on me, slow and deliberate. Not hungry, not rude, just intense. Like she was taking me in, piece by piece.

I swallowed hard.

Why was I holding my breath?

“Elena,” Marcus said softly. “Come on. I’ll introduce you.”

I tried to protest but it was already too late. He was leading me toward her.

Up close, she was even more striking. She wasn’t just beautiful, she was commanding. Her presence was calm but heavy, like standing too close to deep water.

“Valeria,” Marzus said, with a wide grin. “Good evening. You look radiant as ever.”

She turned her attention to him. “Marcus, you’re late.”

“Traffic,” he said quickly. “I wanted to introduce you to my girlfriend. Elena.”

Girlfriend.

The word echoed in my head.

Valeria turned to me. “So,” she said in a smooth, controlled accent I couldn’t place. “You’re Elena.”

“Yes,” I replied, forcing a smile. “It’s nice to meet you.”

She extended her hand. When our fingers touched, A strange jolt ran through my spine, sharp and unexpected. I pulled my hand quickly, embarrassed.

Her lips curved into a small smile.

“Marcus tells me you’re an art curator,” she said.

I blinked. “I….um, yes. I am.”

“He talks about you often, now I see why,” she said.

Marcus laughed nervously. “Only good things, babe, I promise.”

“I’m sure,” Valeria said, though her eyes never left mine.

She stared at me like she was trying to read through my skin. It made me uneasy. But I felt seen, like I was the only woman in the room.

“You’re so beautiful, Elena,” she added.

The compliment was polite, simple. Yet my heart jumped like I had been caught doing something wrong.

“Thank you,” I said. “That’s kind of you.”

“Oh I can be more than kind, darling,” she said, biting her lower lip.

I turned my gaze away; my heart was pounding so heavily that one could hear it. Maybe it was just my nerves acting up. I told myself, noting more.

Valeria nodded once, stepping back. I’ll leave you lovebirds to it. Enjoy the evening.”

And just like that, she was gone.

The rest of the night blurred together. Marcus talked business with some clients whose names I couldn’t remember.

But my attention kept drifting.

Every time Valeria came into my line of sight, my chest tightened. I watched her laugh quietly with some guests, I watched her listen more than she spoke. Watched how people leaned in when she talked, as if her words carried weight.

“Are you okay?” Marcus asked at one point.

“Yes,” I said almost too quickly. “Just tired.”

He kissed my cheek. “We’ll leave soon.”

I nodded.

As we walked out later, I glanced back once more at the building.

Valeria was standing alone near the window, the city lights behind her like a crown of stars.

She looked up and our eyes met again.

This time, she didn’t look away.

I told myself that it meant nothing.

It was just a moment, just a woman, just a quick glance.

I went home with my boyfriend, fell asleep beside him and woke up to the usual life I always knew.

Little did I know that the woman with the calm eyes and dangerous quiet voice would one day look at me and tell me to leave because I was her weakness.

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  • The Billionaire Queen's Collateral    14

    VALERIAWhen I stepped out of my room, I closed the door gently behind me.Only when I was alone in the hallway did I finally exhale.Desire they say is dangerous. Not because it makes you weak, but because it tempts you to move too fast.And I do not move without a strategy.I wanted her. That was no longer something I could deny. The way her breath shook any time I came close. The way her body reacted even when her mouth said no. The way her eyes fought emotions she didn’t want to name.But I would not touch her fully until she stepped toward me willingly. Control meant knowing when to stop.A week. It had already been a week since I brought Elena into my home.A few more to go before Marcus could reclaim what he owed. If he survived that long.The next morning, Elena refused to leave her room. The maid had informed me that she had asked for breakfast to be sent upstairs.I said nothing.Let her hide all she wants. Isolation can be louder than confrontation.I ate alone in the dini

  • The Billionaire Queen's Collateral    13

    ELENAThe moment the guard said Marcus was gone, my heart stopped.Gone. They knew he was there. They must’ve seen him talk to me and now wanted to get hold of him.Valeria didn’t panic. She didn’t raise her voice. She simply said, “Find him.”That was worse.We stood outside the venue, the cold night air against my skin. The city lights felt distant. My thoughts were loud and messy. Marcus had tried to convince me to leave with him. I had refused. I stayed.Now he was missing. And Valeria was calm.Too calm.I turned to her, my chest tight. “Please,” I said. “Let him go. I’ll do anything. Just don’t hurt him.”She looked at me slowly. That small, cruel smile curved on her lips.“Aww,” she said softly. “Lover girl.”I hated that tone.“Your boyfriend tried to break our contract,” she continued. ‘He tried to convince you to leave with him. That comes with consequences.”“But I didn’t go,” I said quickly. “I refused. I chose to stay.”The words tasted strange coming out of my mouth.I

  • The Billionaire Queen's Collateral    12

    VALERIA I watched everything before she even knew I was there.. That was the advantage of having power. Of planning. Of never walking into a room blind. I had already arrived at the exhibition centre long before she did. I sat in a private lounge upstairs where I could see the main hall through tinted glass. The suit I gave her carried more than just fine stitching and expensive fabric. There was a tracker and a listening device small enough to hide inside the lining. To gain control wasn’t loud. It was quiet and precise. When she stepped into the venue, I felt her presence before I saw her. She looked so alive. Her shoulders were straighter. Her eyes brighter. She moved through the room as if she belonged there. She loved her job. And that was useful. Through the device, I listened to her as she greeted guests. Her voice was calm and professional with a hint of pride. She forgot about me for a moment. And that was alright. Then I saw him. Marcus. Standing at the far end of

  • The Billionaire Queen's Collateral    11

    ELENAI woke up before the sun was fully set, wide awake, my heart racing with excitement. For the first time since I arrived at this mansion, I didn’t feel trapped.I felt so alive.Today was the exhibition day. My first taste of freedom after a short while.I took my time in the shower, letting the water run over my skin, steadying my nerves. When I stepped out, I wrapped myself in my bathrobe and stood in front of the mirror.Today, I would step outside those walls.Today, I would breathe.I had just tied my hair back when the door opened without warning.Valeria walked in.Of course. Behind her, a maid followed her, holding a garment bag.I stiffened but didn’t say anything. Complaining would be useless. This was Valeria’s house. Her rules.“Wear this,” Valeria said calmly, sitting on the chair across the room. Her eyes never left me.The maid placed the outfit neatly on the bed and left.I forced myself not to react. “Thank you,’ I murmured.Valeris tilted her head slightly. “How

  • The Billionaire Queen's Collateral    10

    VALERIAElena thought she was alone that night. But she wasn’t.The small hidden camera in the corner of her room had been installed the day she arrived. Very discreet and invisible unless you knew where to look. I always knew what happened inside my house. Every corridor, every door, every room.Including hers.When she had stormed into my bedroom the night before pretending to be bold, pretending control. I knew it wasn’t just desire that brought her there. Elena wasn’t that stupid. She was just desperate.She had been searching for something.Her phone, maybe.The seduction? That was her improvising. And I would admit, it surprised me.The way she let the fabric slip from her shoulders. The way her voice trembled when she challenged me. She had tried to turn the game in her favour but she failed.After she ran back to her room, I went to her door. Not because I intended to enter. I simply wanted to see if she would open it. She didn’t respond. I heard nothing from inside but I knew

  • The Billionaire Queen's Collateral    9

    ELENAI couldn’t sleep.No matter how many times I tried. I turned and turned on the bed, no matter how tight I shut my eyes, the memory of Valeria’s touch wouldn’t let me be. The way her voice had dropped, the way her fingers had moved slowly, like she already knew what my body would do.I tried to push the thought away. It was just a game, I told myself.A psychological game.But I was losing.Eventually, exhaustion won. My thoughts blurred, my breathing slowed and sleep finally pulled me under.I didn’t know how long I slept when I suddenly felt a strange movement underneath my sheets.A hand. Warm and firm. The hand was curling around my waist.I stiffened, my eyes flashed open, fear rushing through me.Valeria was lying behind me. She was too close.Her arms wrapped around my body as if they belonged there. Her breath was warm against the back of my neck.“You thought you could run away from me,” Valeria murmured.Her voice was low and smooth.I tried to move but Valeria held on

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