Seeking to help his master, Liu Hai tied a gold ingot to the end of a rope and lured the hopping toad out of the well. The toad has since become a symbol of wealth.
這雖是無稽之談，但金蟾在後世總被當做財富的象徵，人們相信它有神奇的力量，能帶來錢財好運；民間美術也時常出現劉海騎在蟾蜍身上，手中抬個大元寶的造形。商家尤其喜歡，過去還有人乾脆將商標就名之為「劉海系金蟾牌」。