Yiren Digital Ltd

Yiren Digital Ltd is a fintech company that operates an AI-powered platform providing a broad range of financial and lifestyle services in China. The company focuses on digital financial services, offering loan facilitation and self-funded financing solutions to individual borrowers and small business owners, as well as holistic wealth management services for mass affluent clients. Through its financial services business, Yiren Digital connects users with credit products across online and offline channels, aiming to address consumption and production-related financing needs. It also runs an insurance brokerage business, delivering tailor-made insurance products that complement its credit and wealth offerings. Beyond finance, Yiren Digital’s consumption and lifestyle segment provides non-financial products and services, including e-commerce offerings such as consumer goods that can be purchased with integrated financing options. Founded in 2012 and headquartered in Beijing, China, Yiren Digital plays a role in China’s digital finance ecosystem by combining data analytics, AI technology, and multi-segment operations to serve individuals, families, and businesses.