Founded in 2014 and headquartered in Shenzhen, China, X Financial (NYSE: XYF) is a leading personal finance technology company. Originally a prominent player in the peer-to-peer (P2P) lending market, the company has since transitioned its business model in response to regulatory changes. Today, it leverages its proprietary big data-driven risk control technology to assess credit risk and facilitate loan transactions, primarily connecting prime-quality individual borrowers with institutional investors and funding partners. Its mission is to provide selective investment opportunities for investors and efficient credit services for borrowers through its advanced tech platform.

Founded in

China