Qfin Holdings, Inc.

Qfin Holdings operates an AI-driven credit platform in China under the Qifu Jietiao brand. The company facilitates connections between borrowers and financial institutions, providing technology-enabled credit services that encompass borrower acquisition, credit assessment, fund matching, and post-facilitation support. The platform serves financial institutions, consumers, and small and micro-enterprises across the Chinese market.

The company's revenue streams consist primarily of credit-facilitation services and platform services. Credit-facilitation services involve matching borrowers with lenders and managing the associated transaction workflow. Platform services include loan facilitation, post-facilitation services, and technology solutions delivered through its intelligence credit engine, along with referral services to financial institution partners. These services leverage artificial intelligence to assess creditworthiness and optimize loan matching between market participants.

Qfin Holdings operates with approximately 3,527 full-time employees and maintains its headquarters in Shanghai. The company was founded in 2016 and is incorporated in the Cayman Islands with a listing on Nasdaq, providing access to capital markets while conducting operations primarily within China's consumer and small business lending segments.