Hakoware involves Knuckle emitting an indestructible mascot called the "Amortizing Power Redirector (A.P.R)" onto the opponent after being dealt a blow from Knuckle. A.P.R. constantly lends Knuckle's aura to whomever it's attached to, displayed by a rising counter on its forehead. When adding interest, A.P.R. announces "It's time, adding interest". As long as A.P.R. is attached, any attacks done to Knuckle by his opponent return aura to him, lowering the counter. Until all of the aura lent by Knuckle is returned to him, he cannot be physically damaged by his opponent. The reverse is also true; each of Knuckle's blows only lends aura to his opponent, causing no damage. The interest rate on A.P.R. is 10% of borrowed aura, accrued every ten seconds. As the amount of interest accumulates, A.P.R. also grows in size. If the aura borrowed from Knuckle exceeds his opponent's total aura, the opponent "goes bankrupt".
Bankruptcy causes the conjured A.P.R. to transform into the "Individual Ren Suppressor (I.R.S)", a demon-like mascot that follows the debtor for 30 days and forces them into Zetsu. The victim only accumulates interest when within 100 meters of Knuckle, but Knuckle can track the general location of the victim at all times, no matter how far away they are. The ability can be removed by a Nen user, but it takes a great deal out of the Nen remover.