Yiren Digital is a Chinese fintech platform with two core businesses: consumer loan facilitation and insurance brokerage. In loan facilitation, Yiren Digital connects individual borrowers—primarily credit cardholders and small business owners—with institutional lenders including banks, consumer finance companies, and trusts. Borrowers apply for unsecured short-term revolving loans through Yiren Digital's mobile app, and the company uses AI-driven credit scoring, fraud detection, and underwriting to process applications in under two hours. Yiren Digital earns revenue through loan facilitation fees, post-origination service fees, and guarantee fees on loans where Yiren Digital absorbs credit risk directly. Credit solutions represent over 90% of revenue. In insurance brokerage, Yiren Digital's subsidiary Hexiang Insurance Brokers sells life, health, and P&C products from over 100 insurers through a nationwide branch network and, increasingly, through a digital distribution channel that leverages Yiren Digital's existing credit customer base. Hexiang earns commissions from insurers on premiums paid. Yiren Digital is expanding into internet insurance and international markets, having launched unsecured loan products in the Philippines and Indonesia. The company is also building out its AI capabilities—including its Zhiyu large language model and Magicube multi-agent platform—with the goal of licensing these tools to third-party financial institutions. Yiren Digital is listed on the NYSE as an ADS and structured through a VIE arrangement, with CreditEase as its parent and controlling shareholder.