XYF Profile
X Financial operates as a leading personal finance service provider in the People's Republic of China, specializing in creating an online marketplace that connects borrowers with investors. The company’s core offerings include a range of credit products under its Xiaoying brand, such as Xiaoying credit loans, which encompass Xiaoying card loans and Xiaoying preferred loans tailored for small business owners. Additionally, X Financial provides Xiaoying revolving loans, designed for flexible borrowing needs.
In the housing sector, X Financial’s Xiaoying housing loan product offers home equity loans to property owners, facilitating access to capital based on real estate assets. The company also operates the Xiaoying wealth management platform, which provides investment products that include loans, money market instruments, and insurance products. This platform aims to deliver a comprehensive suite of financial solutions to individual investors.
Beyond direct financial products, X Financial extends its services by offering loan facilitation solutions to other financial platforms, enhancing the connectivity and efficiency of the broader financial ecosystem. The company’s innovative approach supports both borrowers and investors by streamlining access to financial products and services.
Established in 2014 and headquartered in Shenzhen, China, X Financial has emerged as a key player in China's fintech landscape. The company continues to expand its offerings and enhance its technology-driven platform to meet the evolving needs of consumers and businesses in the personal finance sector.
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