Yiren Digital and ChainUp Forge Agreement to Create Blockchain Infrastructure Platform
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Oct 17 2025
0mins
Should l Buy YRD?
Partnership Announcement: Yiren Digital has signed a Memorandum of Understanding with ChainUp to co-develop a global blockchain infrastructure platform aimed at supporting institutional-grade crypto investment products and financial services.
Web3 Development Plans: The company is building its Web3 assets by investing in Ethereum and has established a digital asset task force in Hong Kong to explore regulated opportunities in the digital finance ecosystem, with plans to launch an initial version of their crypto finance system by the end of October.
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Analyst Views on YRD
About YRD
Yiren Digital Ltd is a holding company mainly engaged in the operation of a digital personal financial management platform, and the provision of holistic wealth solutions, credit and financial solutions to individual borrowers and small business owners. The Company operates through three segments. The Yiren Wealth segment is engaged in the operation of a wealth solution platform for the mass affluent population and provides comprehensive wealth solutions. The Yiren Credit segment is engaged in the operation of a credit-tech platform that provides individual borrowers and small business owners with a full spectrum of online and offline, multi-channel loan products. The Others segment is engaged in the electronic commerce business that provides products such as skin care and beauty, electronics and appliances and allow users to finance purchases through loan products, while providing customized non-financial products and services. The Company is also engaged in the insurance business.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Yiren Digital Wins Annual Digital Intelligence Innovation Award, Accelerates AI Strategy
- Award Recognition: Yiren Digital received the Annual Digital Intelligence Innovative Application Award in 2026, organized by Caijing New Media and Analysys, highlighting its sustained innovation in AI technology application and reinforcing its leadership in the fintech sector.
- AI Strategy Advancement: In 2025, Yiren Digital completed regulatory filing for its proprietary 'Zhiyu' large language model, optimizing operational workflows and enhancing client engagement, thereby accelerating the implementation of its AI strategy.
- Magicube Platform Upgrade: The recent 2.0 upgrade of the Magicube AI Agent Platform has significantly improved service accuracy and efficiency, ensuring 24/7 availability and surpassing traditional manual support limitations, thus enhancing user experience.
- Proactive Investment Strategy: Yiren Digital's strategic investments in AI demonstrate its first-mover advantage, with plans to continue investing in multi-agent collaboration R&D, aiming to build a more automated 'digital workforce'.
See More
Yiren Digital Wins Annual Digital Intelligence Innovation Award, Accelerating AI Strategy
- Award Recognition: Yiren Digital received the Annual Digital Intelligence Innovative Application Award in 2026 from Caijing New Media and other organizations, highlighting its sustained innovation in AI technology application and reinforcing its leadership in the fintech sector.
- AI Strategy Advancement: In 2025, Yiren Digital completed regulatory filing for its proprietary 'Zhiyu' large language model, optimizing operational workflows and enhancing client engagement, thereby accelerating the implementation of its AI strategy.
- Magicube Platform Upgrade: The recent 2.0 upgrade of the Magicube AI Agent Platform has significantly improved operational efficiency and user experience across four strategic areas, ensuring 24/7 service availability and enhancing capabilities in intelligent marketing, content generation, quality inspection, and code security.
- Proactive Investment Strategy: Yiren Digital continues to lead in fintech innovation with plans for high-value R&D investments in multi-agent collaboration, aiming to build a more automated 'digital workforce' that enhances its competitive edge in the market.
See More
Yiren Digital Celebrates 10th Anniversary on NYSE, Outlines Future Growth Plans
- 10th Anniversary: Yiren Digital celebrates its 10th anniversary on the NYSE on December 18, 2025, with management expressing strong confidence in future growth, particularly after overcoming challenges posed by COVID and economic downturns, showcasing robust market adaptability.
- International Business Growth: The company's international operations are growing significantly faster than its domestic market, with plans to expand beyond traditional financial services into blockchain finance, marking a strategic shift into FinTech 2.0 that is expected to capture greater market share.
- AI Technology Utilization: Yiren Digital has mastered AI Agent technology and is exploring optimal applications to enhance customer experience and operational efficiency, which is anticipated to significantly improve service quality and reduce operational costs.
- Future Outlook: CEO Ning Tang emphasizes a commitment to innovation and expansion over the next decade, particularly in digital consumer lending and internet insurance, which are expected to provide stable cash flow and sustained growth momentum for the company.
See More
Yiren Digital Wins Technology Innovation Leadership Award at China's Financial Annual Conference
- Technology Innovation Award: Yiren Digital was awarded the 'Technology Innovation Leadership Award for Listed Companies' at the 2025 China Financial Annual Conference, highlighting its ongoing innovation and operational excellence in the fintech sector, thereby reinforcing its leadership position in the industry.
- AI-Driven Transformation: Since its IPO in 2015, Yiren Digital has steadily advanced its AI R&D capabilities, embedding cutting-edge AI automation technologies throughout its operations, which has significantly enhanced productivity and driven deep integration within the fintech ecosystem.
- Strategic Investment: The company allocates hundreds of millions of RMB annually to R&D, particularly focusing on its 'Zhiyu' large model, officially registered in April 2025, which serves as the core engine of its AI infrastructure, enabling multi-agent collaboration and contextual memory to enhance customer interactions.
- Enhanced Service Capabilities: With the 2.0 upgrade of the Magicube AI Agent Platform, Yiren Digital has achieved significant improvements in precision customer acquisition, intelligent marketing, and risk management across multiple business functions, collectively driving overall operational efficiency improvements.
See More
Yiren Digital Awarded Technology Innovation Leadership Award, Showcasing AI Strength
- Industry Recognition: Yiren Digital was awarded the 'Technology Innovation Leadership Award for Listed Companies' at the 2025 China Financial Annual Conference, highlighting its ongoing innovation and operational excellence in the fintech sector, which further solidifies its market position.
- AI Technological Advancement: Since its IPO in 2015, Yiren Digital has steadily enhanced its AI R&D capabilities, successfully transforming from a fintech company into a smart technology enterprise, driving deep integration and innovation in its business models.
- Magicube Platform Upgrade: The recent rollout of the Magicube AI Agent Platform 2.0 has optimized intelligent marketing, content generation, and quality control systems, significantly enhancing the precision and efficiency of customer interactions, thereby strengthening the company's service capabilities.
- Strategic Investment: Yiren Digital allocates hundreds of millions of RMB annually to R&D, focusing on early adoption and sustained investment to ensure it remains at the forefront of the rapidly evolving AI landscape, driving industry transformation and contributing to societal progress.
See More
Yiren Digital Reports Q3 Loans of RMB 20.2 Billion, Up 51%
- Significant Loan Growth: In Q3 2025, Yiren Digital facilitated total loans of RMB 20.2 billion (US$2.8 billion), representing a 51% year-over-year increase, demonstrating the company's strong demand and market expansion capabilities in digital consumer lending.
- Increase in Borrower Base: As of September 30, 2025, the cumulative number of borrowers served reached 14,006,873, reflecting a 21% increase compared to the same period in 2024, indicating success in customer acquisition and market penetration.
- Strong Insurance Performance: The gross written premiums in the insurance brokerage business for Q3 reached RMB 1.148 billion (US$161.3 million), a 35% increase from Q2 2025, showcasing rapid growth in the internet insurance sector and strong renewal premium performance.
- Enhanced Financial Flexibility: As of September 30, 2025, the company reported cash and cash equivalents of RMB 3.865 billion (US$542.9 million), providing ample financial flexibility for future investments and supporting ongoing innovation and transformation in the fintech space.
See More
Yiren Digital Wins Annual Digital Intelligence Innovation Award, Accelerates AI Strategy
- Award Recognition: Yiren Digital received the Annual Digital Intelligence Innovative Application Award in 2026, organized by Caijing New Media and Analysys, highlighting its sustained innovation in AI technology application and reinforcing its leadership in the fintech sector.
- AI Strategy Advancement: In 2025, Yiren Digital completed regulatory filing for its proprietary 'Zhiyu' large language model, optimizing operational workflows and enhancing client engagement, thereby accelerating the implementation of its AI strategy.
- Magicube Platform Upgrade: The recent 2.0 upgrade of the Magicube AI Agent Platform has significantly improved service accuracy and efficiency, ensuring 24/7 availability and surpassing traditional manual support limitations, thus enhancing user experience.
- Proactive Investment Strategy: Yiren Digital's strategic investments in AI demonstrate its first-mover advantage, with plans to continue investing in multi-agent collaboration R&D, aiming to build a more automated 'digital workforce'.
See More
Yiren Digital Wins Annual Digital Intelligence Innovation Award, Accelerating AI Strategy
- Award Recognition: Yiren Digital received the Annual Digital Intelligence Innovative Application Award in 2026 from Caijing New Media and other organizations, highlighting its sustained innovation in AI technology application and reinforcing its leadership in the fintech sector.
- AI Strategy Advancement: In 2025, Yiren Digital completed regulatory filing for its proprietary 'Zhiyu' large language model, optimizing operational workflows and enhancing client engagement, thereby accelerating the implementation of its AI strategy.
- Magicube Platform Upgrade: The recent 2.0 upgrade of the Magicube AI Agent Platform has significantly improved operational efficiency and user experience across four strategic areas, ensuring 24/7 service availability and enhancing capabilities in intelligent marketing, content generation, quality inspection, and code security.
- Proactive Investment Strategy: Yiren Digital continues to lead in fintech innovation with plans for high-value R&D investments in multi-agent collaboration, aiming to build a more automated 'digital workforce' that enhances its competitive edge in the market.
See More
Yiren Digital Celebrates 10th Anniversary on NYSE, Outlines Future Growth Plans
- 10th Anniversary: Yiren Digital celebrates its 10th anniversary on the NYSE on December 18, 2025, with management expressing strong confidence in future growth, particularly after overcoming challenges posed by COVID and economic downturns, showcasing robust market adaptability.
- International Business Growth: The company's international operations are growing significantly faster than its domestic market, with plans to expand beyond traditional financial services into blockchain finance, marking a strategic shift into FinTech 2.0 that is expected to capture greater market share.
- AI Technology Utilization: Yiren Digital has mastered AI Agent technology and is exploring optimal applications to enhance customer experience and operational efficiency, which is anticipated to significantly improve service quality and reduce operational costs.
- Future Outlook: CEO Ning Tang emphasizes a commitment to innovation and expansion over the next decade, particularly in digital consumer lending and internet insurance, which are expected to provide stable cash flow and sustained growth momentum for the company.
See More
Yiren Digital Wins Technology Innovation Leadership Award at China's Financial Annual Conference
- Technology Innovation Award: Yiren Digital was awarded the 'Technology Innovation Leadership Award for Listed Companies' at the 2025 China Financial Annual Conference, highlighting its ongoing innovation and operational excellence in the fintech sector, thereby reinforcing its leadership position in the industry.
- AI-Driven Transformation: Since its IPO in 2015, Yiren Digital has steadily advanced its AI R&D capabilities, embedding cutting-edge AI automation technologies throughout its operations, which has significantly enhanced productivity and driven deep integration within the fintech ecosystem.
- Strategic Investment: The company allocates hundreds of millions of RMB annually to R&D, particularly focusing on its 'Zhiyu' large model, officially registered in April 2025, which serves as the core engine of its AI infrastructure, enabling multi-agent collaboration and contextual memory to enhance customer interactions.
- Enhanced Service Capabilities: With the 2.0 upgrade of the Magicube AI Agent Platform, Yiren Digital has achieved significant improvements in precision customer acquisition, intelligent marketing, and risk management across multiple business functions, collectively driving overall operational efficiency improvements.
See More
Yiren Digital Awarded Technology Innovation Leadership Award, Showcasing AI Strength
- Industry Recognition: Yiren Digital was awarded the 'Technology Innovation Leadership Award for Listed Companies' at the 2025 China Financial Annual Conference, highlighting its ongoing innovation and operational excellence in the fintech sector, which further solidifies its market position.
- AI Technological Advancement: Since its IPO in 2015, Yiren Digital has steadily enhanced its AI R&D capabilities, successfully transforming from a fintech company into a smart technology enterprise, driving deep integration and innovation in its business models.
- Magicube Platform Upgrade: The recent rollout of the Magicube AI Agent Platform 2.0 has optimized intelligent marketing, content generation, and quality control systems, significantly enhancing the precision and efficiency of customer interactions, thereby strengthening the company's service capabilities.
- Strategic Investment: Yiren Digital allocates hundreds of millions of RMB annually to R&D, focusing on early adoption and sustained investment to ensure it remains at the forefront of the rapidly evolving AI landscape, driving industry transformation and contributing to societal progress.
See More
Yiren Digital Reports Q3 Loans of RMB 20.2 Billion, Up 51%
- Significant Loan Growth: In Q3 2025, Yiren Digital facilitated total loans of RMB 20.2 billion (US$2.8 billion), representing a 51% year-over-year increase, demonstrating the company's strong demand and market expansion capabilities in digital consumer lending.
- Increase in Borrower Base: As of September 30, 2025, the cumulative number of borrowers served reached 14,006,873, reflecting a 21% increase compared to the same period in 2024, indicating success in customer acquisition and market penetration.
- Strong Insurance Performance: The gross written premiums in the insurance brokerage business for Q3 reached RMB 1.148 billion (US$161.3 million), a 35% increase from Q2 2025, showcasing rapid growth in the internet insurance sector and strong renewal premium performance.
- Enhanced Financial Flexibility: As of September 30, 2025, the company reported cash and cash equivalents of RMB 3.865 billion (US$542.9 million), providing ample financial flexibility for future investments and supporting ongoing innovation and transformation in the fintech space.
See More
