PINTEC
PINTEC (rebranding to J and Friends) is a Beijing-based NASDAQ-listed technology platform providing financial and digital transformation solutions to SMEs globally through its open fintech ecosystem, delivered via subsidiary ZIITECH across Asia-Pacific markets.
- Company typePublic
- Founded2012
- HeadquartersBeijing, China
- Headcount101–250
- GTM typeB2B
- OfferingSoftware
What PINTEC does
PINTEC, legally Pintec Technology Holdings Limited, is a Cayman Islands-incorporated holding company listed on NASDAQ (ticker: PT, changing to JF in January 2026 as part of a corporate rebranding to "J and Friends"). Headquartered at 7th Floor, Tower A, Sino Ocean International Center in Beijing's Chaoyang District, the company operates as a technology platform providing financial and digital solutions primarily to small and medium enterprises (SMEs). The company's stated mission is enabling digital transformation and financial operations management for SMEs worldwide, with a current operational footprint spanning China, Singapore, New Zealand, Bangladesh, and the UK.
The company's core technology centers on an "open fintech ecosystem" delivered primarily through its core operating subsidiary ZIITECH, which provides AI and digital infrastructure solutions designed for SME customers. ZIITECH was showcased at Tech Week Singapore 2025 as the platform vehicle for technology exports and SME digital transformation. The company's product architecture combines fintech platform technology with digital infrastructure solutions, marketed as an interoperable open ecosystem. As part of ongoing restructuring, PINTEC is divesting its stake in Romantic Park Holdings Limited to Vantage Capital Limited (expected completion by November 30, 2025), narrowing its operational focus to its core SME platform thesis.
PINTEC generates revenue through its technology services, software solutions, and digital transformation services targeting SMEs, structured as subscription/recurring revenue distributed via direct enterprise sales and through subsidiary ZIITECH in regional markets. The company has 101-250 employees and is led by a CXO team including a Chief Financial Officer (Xin Yang), Chief Strategy Officer (Chen Bingqing), Chief Risk Officer (Hai Tong), Chief Scientist (Ran Ren), Chief Marketing Officer (Ziwei Zhang), and President (Jing Zhou), with co-founder Allen Dong. Prior capital includes a $103 million Series 2 round in June 2018 (led by Mandra Capital, SINA, and Ventech China, with participation from IDG Capital, Shunwei Capital, SINA, STI Financial Group, Ventech China, Xiaomi Ventures, and Zhong Capital Fund) and a $4 million raise in March 2023.
PINTEC firmographics
Firmographics- Name
- PINTEC
- Legal name
- Pintec Technology Holdings Limited
- Website
- https://pintec.com
- Company type
- Public
- Founded year
- 2012
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- PINTEC (rebranding to J and Friends) is a Beijing-based NASDAQ-listed technology platform providing financial and digital transformation solutions to SMEs globally through its open fintech ecosystem, delivered via subsidiary ZIITECH across Asia-Pacific markets.
- Ownership category
- akta.pro rank
PINTEC industry classification
Industry- Product category
- Fintech Platform / SME Digital Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320), Other Nondepository Credit Intermediation (52229)
- SIC
- Finance Services (6199), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations) (FSAGAAAI)
- akta.pro secondary industries
- Transaction Analytics & Cash-Flow Insights (risk signals, forecasting) (FSAGACAG), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE)
Keywords
Where PINTEC is headquartered
LocationHeadquarters
- HQ city
- Beijing
- HQ country
- China
- HQ region
- Asia
Offices1 record
Markets served
PINTEC business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations
Revenue model
- Financial and Digital Solutions: Technology platform providing financial and digital solutions for businesses worldwide. Revenue is generated through technology services, software solutions, and digital transformation services targeting SMEs.
Go-to-market motion1 record
Distribution channels2 records
Marketing channels2 records
PINTEC product offering
Product offeringCore offering
PINTEC operates a technology platform that delivers financial and digital solutions to businesses worldwide, with a primary focus on small and medium enterprises (SMEs). Through its subsidiary ZIITECH, the company provides an open fintech ecosystem combined with AI and digital infrastructure solutions that enable digital transformation for SMEs across Asia-Pacific and Oceania markets.
Product overview
Pintec Technology Holdings Limited operates as a technology platform providing financial and digital solutions for businesses worldwide, with a focus on SMEs. The company maintains multiple subsidiaries including ZIITECH (focused on AI and digital infrastructure for SMEs with an open fintech ecosystem) and Romantic Park Holdings Limited (being divested as part of restructuring).
Differentiator
Problem solved
Functional benefit
Brands
- ZIITECH: Subsidiary focused on AI and digital infrastructure solutions for SMEs, promoting Australian technology solutions globally
Products and services
- PINTEC Financial and Digital Solutions Platform A technology platform that enables innovative financial and digital solutions for businesses worldwide, primarily targeting small and medium enterprises (SMEs) needing digital transformation and financial operations management.
- ZIITECH Open Fintech Ecosystem An open fintech ecosystem offered through subsidiary ZIITECH, focused on AI and digital infrastructure solutions for SMEs. Designed to enable technology exports of Australian fintech solutions to international markets.
Companies that use PINTEC
Customer profileSegments1 record
Ideal customer profiles1 record
PINTEC technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature2 records
PINTEC partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Austrade (Australian Trade and Investment Commission)corePintec's subsidiary ZIITECH was recognized by Austrade under the Export Market Development Grants (EMDG) program. This recognition paves the way for international expansion into markets including New Zealand, Singapore, Bangladesh, and the UK. The partnership supports ZIITECH's strategy to promote Australian technology solutions globally.
Scale indicators3 records
Recent moves8 records
Expansion highlights5 records
PINTEC competitors and assessment
Company assessmentDirect peers
- Yirendai: NYSE-listed Chinese online consumer lending platform; comparable Chinese fintech infrastructure serving retail borrowers with platform-based credit decisioning.
- Qifu Technology: NASDAQ-listed Chinese fintech (formerly 360 Finance) operating a credit-tech platform serving SMEs and consumers; comparable technology platform model and SME/consumer customer overlap with PINTEC.
- Lufax Holding: NYSE-listed Chinese fintech originally focused on SME/consumer lending and wealth management; directly comparable to PINTEC's SME-facing digital lending and financial solutions franchise in China.
- LexinFintech Holdings: NASDAQ-listed Chinese fintech providing installment lending and fintech solutions to consumers and SMEs; comparable China-based digital lending platform with similar target customers.
Emerging players
- Funding Societies: Southeast Asia's largest SME digital financing platform; comparable regional SME-lending franchise that aligns with ZIITECH's Asia-Pacific expansion thesis.
- Validus: Singapore-headquartered SME financing platform; comparable regional player in SME digital lending and fintech infrastructure for the same Asia-Pacific markets PINTEC is entering.
- Advance.AI: Singapore-headquartered fintech providing digital identity, credit scoring, and risk analytics across Southeast Asia; comparable fintech infrastructure provider enabling SME and consumer lending in PINTEC's target Asia-Pacific markets.
- WeLab: Hong Kong-based digital lending and banking-as-a-service platform operating across Asia; comparable AI-driven lending infrastructure serving SMEs and consumers with bank partnerships.
Broad incumbents
- WeBank: China's first digital-only bank focused on SME and consumer lending; a broad incumbent in the same SME digital banking category as PINTEC's platform.
- Ant Group: Dominant Chinese fintech super-app covering payments, SME lending, wealth, and insuretech; broad incumbent whose SME lending and wealth management units directly overlap with PINTEC's offering.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat3 records
Key risks6 records
Key highlights5 records
Customer concentration
PINTEC social profiles
Digital presencePINTEC financial estimates
Financial estimateRevenue estimate
Valuation estimate
PINTEC leadership team
Management profileNumber of profiles
Profiles8 records
PINTEC subsidiaries and ownership
Company hierarchySubsidiaries2 records
PINTEC funding detail
Funding detailFunding overview
Funding rounds2 records
Investors8 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
PINTEC M&A and investment
M&A and investmentM&A1 record
Investments2 records
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about PINTEC
What does PINTEC do?
PINTEC operates a technology platform that delivers financial and digital solutions to businesses worldwide, with a primary focus on small and medium enterprises (SMEs). Through its subsidiary ZIITECH, the company provides an open fintech ecosystem combined with AI and digital infrastructure solutions that enable digital transformation for SMEs across Asia-Pacific and Oceania markets.
Is PINTEC a public or private company?
PINTEC is a public company. It is classified as public and is currently operating.
When was PINTEC founded?
PINTEC was founded in 2012. It employs 101 to 250 people.
Where is PINTEC based?
PINTEC is headquartered in Beijing, China, in the Asia region.
How does PINTEC make money?
One revenue line is on record: financial and Digital Solutions.
Who are PINTEC's main competitors?
Direct peers on record are Yirendai, Qifu Technology, Lufax Holding and LexinFintech Holdings. Emerging players are Funding Societies, Validus, Advance.AI and WeLab. Broad incumbents are WeBank and Ant Group.
Does PINTEC have an API?
No public API is recorded for PINTEC.
What industry is PINTEC in?
PINTEC's product category is Fintech Platform / SME Digital Infrastructure. Its primary akta.pro industry code is FSAGAAAI, SME Banking Suite (Business Accounts, Invoicing, Payroll Integrations), with a secondary code of FSAGACAG, Transaction Analytics & Cash-Flow Insights (risk signals, forecasting). Its NAICS code is 522320 and its SIC code is 6199.