Rong360

What Rong360 does

Rong360 (融360) is a Beijing-headquartered Chinese fintech platform founded in October 2011 that operates a B2B2C marketplace connecting personal consumers, small and micro enterprises, and individual business owners with banks and other financial institutions. The consumer-facing surface consists of a mobile app (Android and iOS) and web platform enabling search, comparison, and application for loans, credit cards, and wealth management products, while the enterprise-facing surface (zhanrong.rong360.com) delivers pre-lending, mid-lending, and post-lending risk control and digital transformation solutions to financial institutions. Underlying technology centers on AI, big data, cloud computing, RPA, and smart algorithms powering its matching/recommendation engine, risk control modules, and personalization layer.

The company monetizes through multiple streams: platform commissions and referral fees for successful consumer-to-institution matches, subscription-style technology services to financial institutions, advertising and marketing services leveraging user traffic, and — most recently from December 2025 — a RaaS (Results as a Service) model deploying AI agents ('silicon-based employees') to enterprise customers on an outcome-based pricing basis. Rong360 has built distribution partnerships with at least 10 Tier-1 Chinese banks including ICBC, China Construction Bank, China Merchants Bank, Ping An, CITIC, China Minsheng, Bank of Communications, China Everbright, China Guangfa, and Shanghai Pudong Development Bank. The company has expanded internationally into Southeast Asia and Latin America and reports over 100 million registered users, 22% revenue growth and 73% gross margin in H1 2025, and a 1:150 AI-agent-to-human-employee ratio as it pivots toward enterprise AI agent deployment.

Name

Rong360

Legal name

融360|简普科技

Website

https://rong360.com

Company type

Public

Founded year

2011

Operating status

Operating

Headcount range

251–500 employees

Short description

Rong360 (融360) is a Beijing-based Chinese fintech platform founded in 2011 that connects consumers and small businesses with financial institutions via AI-powered loan search, matching, and recommendation services, while providing digital risk control and enterprise AI agent (RaaS) solutions to banks.

Ownership category

akta.pro rank

Product category

Financial Search & Recommendation Platform

NAICS

Credit Intermediation and Related Activities (522)

SIC

Loan Brokers (6163), Finance Services (6199)

akta.pro primary industry

Alternative Data & Credit Scoring (Cashflow, Telco, Utility, Open Banking) (FSAGAHAC)

akta.pro secondary industries

Pricing, Risk-Based Offer & Limit Management (FSAGAHAE), Risk, Compliance & Controls for Embedded Finance (KYB/KYC/AML, Fraud, Disputes) (FSAGALAK), Financial Services Personalization (Banking, Investing, Insurance) (HDAAAGAH), Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)

Keywords

• Financial product search
• Loan recommendation platform
• Fintech technology services
• Results as a service
• Credit card comparison

Headquarters

HQ city

Beijing

HQ country

China

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Marketing or Sales, Infrastructure, Operations

Revenue model

1. Platform Commission/Referral Fees: Revenue from facilitating connections between consumers/small businesses and financial institutions, earning referral fees or commissions when users are matched to and successfully obtain financial products.
2. Technology Services to Financial Institutions: Providing financial institutions with full-lifecycle digital solutions including pre-lending, mid-lending, and post-lending services, outputting 'technology + scenario + user + operation' comprehensive services.
3. RaaS (Results as a Service): New enterprise AI agent deployment model launched December 2025, positioning Rong360 as an 'AI labor dispatch company' deploying silicon-based employees (AI agents) to enterprise customers for measurable business outcomes.
4. Advertising and Marketing Services: Marketing and promotional services for financial institutions on the platform, leveraging user traffic and data capabilities.

Go-to-market motion2 records

Distribution channels5 records

Marketing channels7 records

Core offering

Rong360 operates an AI-driven open financial product search and recommendation platform that matches consumers and small businesses with credit cards, loans, and other financial products offered by thousands of financial institutions. It also provides financial institutions with cloud-based technology services (Results-as-a-Service / RaaS), including intelligent recommendation, risk control, and precision marketing modules.

Product overview

Rong360 is a comprehensive mobile financial service platform offering both consumer-facing products and enterprise solutions. The core platform consists of loan recommendation services and digital financial services, supported by intelligent modules for recommendation, personalization, risk control, and precision marketing. The company also operates content services including the anti-fraud video series '百骗大扒秀', credit card education series '卡挖益', and the in-depth financial column '维度'. For enterprise customers, Rong360 offers the Results Cloud platform implementing its RaaS (Results as a Service) model with AI agents. The platform also includes a Big Data Research Institute providing financial research reports. The ecosystem connects personal consumers, small/micro enterprises, and financial institutions across Southeast Asia and Latin America.

Differentiator

Problem solved

Functional benefit

Products and services

• Loan Recommendation (贷款推荐) AI-driven loan search and recommendation service that matches individual consumers and small businesses seeking personal or SME loans with offers from participating banks and lenders.
• Digital Financial Services (数字金融服务) Online channel for users to discover, compare, and apply for credit cards and other digital financial products aggregated across thousands of partner financial institutions.
• Results Cloud Platform / RaaS (R成果平台) RaaS cloud platform for financial institutions that provides AI-driven user acquisition, intelligent risk control, personalized services, and precision marketing as outsourced results-driven technology services.

Quantifiable outcome

• 217% increase in consulting conversion rates with flagship AI agents
• +5 more outcomes

Named customers10 records

Segments4 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability6 records

Feature5 records

Partnerships

Twelve partnerships are on record, tiered minor and core.

• 北京科技大学爱驻绿叶支教团 (Beijing University of Science and Technology Aid-Abroad Green Leaves Teaching Team)minorStrategic or Co-development Partner · 7 July 2019Charitable partnership委托支教团 to distribute '金融防骗宝典' (Financial Anti-Fraud Guidebook) to rural communities in Sichuan Aba Prefecture and through the '圆满假期' (Fulfilled Vacation) charity program for left-behind children.
• 潇湘晨报 (Xiaoxiang Morning Post)minorStrategic or Co-development Partner · 24 December 2018Joint collaboration on '2018湖南省首届金融服务口碑评选' (2018 Hunan Province First Financial Services Reputation Survey), using quantitative research methods to investigate financial service quality across banking, wealth management, insurance, credit cards, and loans.
• Industrial and Commercial Bank of China (ICBC)coreChannel Partner/ Reseller/ DistributorMajor Chinese state-owned bank partner displaying logo on Rong360 platform as financial product provider. Bank provides loan products, credit cards, and other financial services through the platform.
• China Guangfa BankcoreChannel Partner/ Reseller/ DistributorPartner bank providing financial products on the Rong360 platform, contributing to the bank's financial product ecosystem.
• China Construction BankcoreChannel Partner/ Reseller/ DistributorMajor state-owned bank partner displaying logo on platform as financial product provider.
• China Minsheng Banking CorpcoreChannel Partner/ Reseller/ DistributorPartner bank providing financial products on the Rong360 platform.
• Ping An BankcoreChannel Partner/ Reseller/ DistributorPartner bank displaying on platform, providing banking and financial services.
• Shanghai Pudong Development BankcoreChannel Partner/ Reseller/ DistributorPartner bank contributing to financial product offerings on the platform.
• China Merchants BankcoreChannel Partner/ Reseller/ DistributorPartner bank providing financial products through the platform.
• China CITIC BankcoreChannel Partner/ Reseller/ DistributorPartner bank displaying logo on platform as financial product provider.
• China Everbright BankcoreChannel Partner/ Reseller/ DistributorPartner bank providing financial products on the platform.
• Bank of CommunicationscoreChannel Partner/ Reseller/ DistributorPartner bank providing financial products through the platform.

Scale indicators7 records

Recent moves8 records

Expansion highlights6 records

Direct peers

• LendingTree: US-based loan comparison marketplace connecting consumers with multiple lenders across personal loans, mortgages, and credit cards. Direct functional analog to Rong360's core consumer-facing loan search and matching platform.
• Lufax Holding: China-based online lending and wealth management platform (NYSE: LU). Direct comparable on Chinese retail lending marketplace dynamics and listed peer through Jianpu Technology.
• Dianrong: Chinese online lending marketplace formerly active in P2P and now focused on small business lending via technology. Closely comparable peer on Chinese SME credit marketplace model.
• CreditEase (Yirendai): Chinese online consumer finance marketplace and wealth management platform. Closely overlapping business model of matching individual borrowers with lenders via technology-driven risk decisioning.

Broad incumbents

• Ant Group: Massive Chinese fintech super-app operator behind Alipay, providing consumer credit, wealth, and insurance inside a wallet. Overlaps heavily with Rong360 on loan distribution but competes across a vastly broader product portfolio.
• JD Digits: Chinese digital technology and lending arm of JD.com operating consumer credit, supply chain finance, and fintech services for financial institutions. Comparable B2B risk control and embedded lending offerings.
• SoFi Technologies: US-based digital financial services platform with marketplace lending at its core, expanded into banking and investing. Comparable marketplace lending model with growing enterprise technology platform ambitions.

Emerging players

• Nu Holdings: Latin American digital bank with consumer lending at its core. Relevant peer for Rong360's Latin America expansion strategy and matching the geographic overlap.

Regional players

• Akulaku: Southeast Asia-focused consumer finance and digital banking platform. Regional peer on small-ticket consumer lending and BNPL relevant to Rong360's Southeast Asia presence.
• WeLab: Hong Kong-headquartered fintech with consumer lending operations across Hong Kong, Mainland China, and Indonesia. Comparable on AI-based risk decisioning and digital lending, particularly relevant to Rong360's Southeast Asia expansion.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/rong360

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds5 records

Investors13 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Rong360