Xinye Technology

Name

Xinye Technology

Legal name

上海光简信息技术有限公司

Website

https://xinye.com

Company type

Public

Founded year

2007

Operating status

Operating

Short description

Xinye Technology (NYSE: FINV, est. 2007) is a Shanghai-based credit technology and consumer finance platform serving banks and financial institutions through AI-powered risk control systems and individual consumers via direct lending, with licensed operations in China, Indonesia, and the Philippines.

Ownership category

akta.pro rank

Product category

Credit Technology & Consumer Finance

NAICS

Credit Intermediation and Related Activities (522), Activities Related to Credit Intermediation (5223)

SIC

Personal Credit Institutions (6141), Finance Services (6199)

akta.pro primary industry

Responsible AI, Security & Privacy Platforms (Safety, Guardrails, PII) (HDAEANAG)

akta.pro secondary industry

Model Transparency, Explainability & Interpretability (XAI) (HDAAAMAB)

Keywords

• Credit technology
• Risk control software
• Consumer lending
• Financial AI services
• Big data fintech

Headquarters

HQ city

Shanghai

HQ country

China

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Financial Institution Technology Services: Technology services provided to financial institutions including risk control systems, AI solutions, and credit technology platforms. This includes serving as a credit technology provider for banks and financial companies.
2. Consumer Finance Operations: Consumer lending and financial services directly to individual consumers through the company's platforms.
3. International Business: Overseas expansion and international financial technology services, with operations in multiple countries including Indonesia (OJK regulatory license obtained in 2019) and the Philippines.

Go-to-market motion2 records

Distribution channels3 records

Marketing channels5 records

Core offering

Xinye Technology provides credit technology services powered by big data and AI, anchored by its proprietary "Mirror" risk control system. It sells technology, risk control, and AI solutions to financial institutions (banks, financial companies), while simultaneously operating a consumer finance lending business directly to individual consumers, with licensed overseas operations in Indonesia, the Philippines, and other markets.

Differentiator

Problem solved

Functional benefit

Products and services

• Mirror (魔镜) Risk Control System Proprietary AI- and big-data-driven credit risk control and assessment system that underpins Xinye's smart finance operations; it is the foundational technology behind both the institutional credit technology services business and the consumer finance lending platform, and it is also offered as a technology service to partner banks and financial institutions.
• Financial Institution Technology Services (credit technology B2B offering) Subscription-based technology services delivered to banks and other financial institutions, comprising AI-powered credit decisioning, risk control systems (anchored by the Mirror platform), and credit technology infrastructure used to support their digital transformation and smarter lending decisions.
• Consumer Finance Lending Platform Direct-to-consumer lending and financial services offered to individual retail consumers through Xinye's own digital platforms, providing accessible consumer credit and consumer-rights education, supported by the Mirror risk control system.
• International Licensed Financial Services Licensed financial services operated overseas under local regulatory approvals (including the Indonesia OJK license obtained in 2019 and additional multi-country licenses obtained in January 2025), with active operations in Indonesia, the Philippines, and other markets.

Quantifiable outcome

• Over 12.25 million consumers reached through rational consumption education in 2025

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators4 records

Direct peers

• LexinFintech Holdings: LexinFintech (Nasdaq: LX) is a Chinese consumer finance and technology platform serving both consumers and financial institutions. Comparable in dual GTM motion, Chinese consumer credit focus, and US-listed equity structure.
• LendingClub: LendingClub (NYSE: LC) is a US online lending marketplace that has pivoted toward bank partnership lending models. Comparable to Xinye's Paipaidai heritage and ongoing B2B technology pivot, though operating in US consumer credit markets.
• Yixin Group: Yixin Group (HKEX: 2858) is a Chinese automotive fintech platform facilitating auto financing transactions and providing technology services. Comparable as a Chinese fintech with both consumer-facing financing and B2B technology components, though auto-finance skewed.
• 360 DigiTech: 360 DigiTech (Nasdaq: QFIN) is a Chinese credit-driven fintech platform that originates consumer loans and provides technology services to financial institutions. Highly comparable to Xinye in business model (consumer credit + B2B tech services), geographic focus (China), and listing venue (US-listed China fintech).
• Lufax Holding: Lufax Holding (NYSE: LU) is a China-based fintech platform historically rooted in P2P lending that has pivoted to an institutionally-focused credit technology model. Directly comparable to Xinye's evolution from Paipaidai to Xinye Technology, including the B2B pivot and NYSE ADR structure.
• Affirm Holdings: Affirm (Nasdaq: AFRM) is a consumer credit fintech offering point-of-sale lending with risk-driven underwriting and merchant/partner integrations. Comparable to Xinye on consumer credit underwriting, AI risk assessment, and merchant/institutional partnership model.
• Upstart Holdings: Upstart (Nasdaq: UPST) is an AI lending platform that uses proprietary machine learning models to underwrite consumer credit and partners with banks. Comparable to Xinye on the AI-driven credit risk technology axis and the institutional partnership model, though operating in the US market.

Broad incumbents

• ZhongAn Online P&C Insurance: ZhongAn (HKEX: 6060) is a major Chinese insurtech-turned-fintech with diversified financial services including consumer lending and technology services. Comparable as a large, Hong Kong-listed Chinese fintech operating across both consumer and institutional channels.
• SoFi Technologies: SoFi (Nasdaq: SOFI) is a US-based consumer finance platform combining lending, banking, and technology services. Comparable to Xinye's dual consumer-plus-institutional model, though at much larger US scale and broader scope.

Emerging players

• Pagaya Technologies: Pagaya (Nasdaq: PGY) is an AI-driven credit infrastructure company providing machine learning underwriting to lending partners. Comparable to Xinye on the AI credit risk technology stack axis, though Pagaya operates as a pure technology layer without direct consumer origination.

Market position

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Xinye Technology