Usually, the losing side would simply have the experience bar of their current level emptied out. Experience points could be regained by killing more monsters! But since this challenge carried the cost of losing a Yellow-Gold boss AND a main quest, Zhang Yang could not afford to let Sun Xin Yu go wild.
Knowing her, if Zhang Yang directly told Sun Xin Yu something like, "You are not his opponent, off you go.", this block of ice that took human form would definitely lose her temper!
Zhang Yang got around it by saying, "How about we decide the winner by the best of three between three representatives from each side?"
One Sword Stroke thought for a while and replied, "Okay! As long as I get to fight you, Zhan Yu, regardless of the other two battles!"
"Alright!"
On another side, Mountain Cleaver immediately said, "Boss, Zhan Yu doesn’t seem so sure of you. He is probably using the other two battles as a safety net!"
"He he!"