Yiren Digital Advances Transition to AI-Native, Multi-Industry Operating Model with Enterprise AI Architecture Rollout

Proprietary Multi-Agent Architecture Enables AI-Driven Execution Across Financial Services and Emerging AI-Native Verticals

Yiren Digital Ltd., a leading fintech company specializing in digital consumer lending, insurance and financial technology innovation across China and global markets, announced that AI is increasingly executing core workflows across its credit and insurance businesses. This shift is improving operating efficiency and unit economics, particularly in customer acquisition and servicing processes, and marks its transition toward an AI-native, multi-industry operating model.

This evolution from AI-assisted operations to agent-driven execution is enabled by Yiren Digital’s proprietary AI architecture, which is now deployed across its credit and insurance operations and extending into selected AI-native verticals beyond financial services. The architecture spans a foundation model, a multi-agent platform, an agent execution layer, an enterprise AgentOS, and a workspace-level employee co-pilot.

Under its All-in-AI strategy, the Company is advancing its transition from a technology-enabled financial services platform toward an AI-native, multi-industry operating company. The strategy builds on over 5 years of the Company’s purpose-built AI infrastructure and R&D investments, demonstrated operating impact across the Company’s credit and insurance businesses, and an AI-executed internet insurance line that has emerged as a second growth engine.

“For years, we have been a fintech company that uses AI to do credit and insurance better,” said Mr. Ning Tang, Chairman and Chief Executive Officer of Yiren Digital. “We are now becoming an AI-native, multi-industry company. This shift is already improving how we operate, allowing us to scale expertise, increase efficiency, and expand into new verticals with greater speed and discipline. Our proprietary AI capabilities, developed in one of the most regulated and security-intensive industries in the world, are designed to be portable across financial sub-sectors and adjacent verticals where domain knowledge, data, and agentic execution can scale and compound over time. All-in-AI is how we will operate, grow, and allocate capital from here forward.”

From AI-Assisted Tools to AI-Driven Execution

Following the 2025 launch of its proprietary multi-agent platform, MagiCube, the Company’s 2026 rollout of MagiCube 2.0 marks a pivotal operational shift. AI agents now function as autonomous executors rather than mere task assistants, delivering end-to-end outcomes across the enterprise lifecycle. Key milestones underpinning this architectural evolution include:

• Zhiyu – the Company’s proprietary large language model (LLM), received regulatory filing approval in April 2025 and serves as the foundational intelligence layer.
• MagiCube – the Company’s multi-agent integration platform, launched in October 2025 as the connective infrastructure for large-scale agent deployment across sales, risk, capital, compliance, and customer service.
• MagiCube 2.0 – introduced in 2026, restructures the platform around two specialized layers: XuanJi, for human-and-organization workflow execution, and ZhiNao, the enterprise-wide AgentOS for LLM coordination and multi-agent orchestration.

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XuanJi: AI-Driven Execution for Labor-Intensive Workflows

XuanJi is the Company’s AI-driven workflow execution layer, delivering business outcomes directly across high-volume, repetitive processes including outbound customer service, telesales, insurance proposal generation, lending operations, and post-sale engagement. By moving these functions from human-assisted tasks to agent-delivered results, XuanJi structurally improves cost-to-serve, response speed, and consistency.

ZhiNao: The Enterprise AgentOS

ZhiNao is the Company’s centralized orchestration and governance layer, an AgentOS that coordinates LLMs and agents, routes workflows, manages permissions, integrates enterprise knowledge, and enforces AI governance across the organization. ZhiNao serves as the single coordination hub for every agent the Company deploys, internal or third-party, and scales agent-driven operations across knowledge-intensive functions such as advisory services, strategic analysis, and management decision support.

Workspace AI and AI Buddy: A Platform for Human-Agent Collaboration

Workspace AI is the Company’s enterprise-wide operating platform connecting employees, AI agents, knowledge systems, and intelligent workflows in a unified execution environment. Its employee-facing interface, AI Buddy, provides every colleague with a personalized co-pilot routed through ZhiNao, a single interface giving frontline staff and management direct access to enterprise data, agentic workflows, and approved third-party AI tools. All agent-driven workflows within the platform operate under a centralized governance framework, ensuring compliance, auditability and risk control across regulated business lines.

A Proven Track Record of AI-Driven Operating Impact

Yiren Digital’s All-in-AI strategy has become a core driver of financial performance, delivering enhanced operating leverage across our ecosystem. In fiscal year 2025, integrating proprietary AI agents and LLMs generated meaningful cost efficiencies, and the continued upgrade of the Company’s enterprise AI architecture is expected to further accelerate these benefits. Most notably, AI-powered precision marketing has reduced sales & marketing and customer service expenses as a percentage of total revenue. This migration toward an agent-led execution model has fundamentally bolstered our unit economics and positioned the Company for sustainable, profitable growth.

Beyond operational efficiency, our AI infrastructure is a proven engine for rapid business scaling. By repurposing the core AI architecture engineered for our credit operations, our internet insurance distribution business achieved rapid, consecutive-quarter premium growth, becoming an increasingly meaningful revenue contributor. This validates our strategic thesis: a portable AI stack, combined with a massive established user base, creates a structural advantage that drastically accelerates time-to-market. Capitalizing on this momentum, we are advancing an autonomous AI insurance agent assistant, currently in alpha-stage for internal testing. The platform is designed to automate standardized advisory tasks across the insurance customer journey. It will structurally lower customer acquisition costs while freeing up human agents’ time to focus more on higher-value client relationship development activities.

Extending All-in-AI Beyond Financial Services: A Capital-Light Ecosystem for Structural AI Growth

Yiren Digital is expanding its All-in-AI strategy through strategic minority investments in high-growth AI startups, further extending its ecosystem. The Company is leveraging its proprietary AI infrastructure and operational experience gained from serving over 14 million cumulative credit customers and more than 2 million insurance customers to support ecosystem partners and emerging AI-native initiatives. By focusing on AI-native verticals where results and benefits drive value, such as AI-enabled learning, interactive entertainment, and autonomous services, this capital-light approach enables the Company to capture structural AI growth while maintaining disciplined capital allocation and limiting execution risk.

According to IDC (International Data Corporation) research, active AI agents deployed by Chinese enterprises are projected to grow at a ~135% CAGR through 2031. This rapid expansion will increasingly favor companies with integrated, agent-orchestrated operating systems over those relying on fragmented point solutions, a trend that aligns with Yiren Digital’s architecture and strategy. By unifying intelligence, decision-making, and execution across its proprietary stack, from the Zhiyu foundation model to the ZhiNao AgentOS, Yiren Digital has built a highly scalable architecture. Paired with disciplined capital allocation and a stabilizing credit environment in 2026, this cohesive system is positioned to drive renewed revenue and margin momentum in the periods ahead, supported by continued deployment of agent-driven workflows across its core businesses.