{"schema":"rootz.ai/sec-company/v1","layer":1,"cik":"0001725033","name":"X Financial","summary":"X Financial (XYF) is a Chinese online consumer finance company that primarily facilitates loans through its Xiaoying Card Loan product, launched in December 2016. The company connects borrowers with institutional funding partners, operates an online microcredit business through Xiaoying Microcredit (VIE) using own capital, and provides financing guarantee services through its subsidiary Tianjin Yuexin. It has operated its loan facilitation platform since July 2015.","people":[],"products":[{"name":"Xiaoying Card Loan","type":"platform","description":"Online consumer loan product launched December 2016, representing 100% of total loan facilitation amount in 2023 and 2024."},{"name":"Xiaoying Microcredit","type":"service","description":"Online microcredit business providing loans funded from own capital, licensed by Shenzhen Local Financial Regulatory Bureau in May 2021."},{"name":"Financing Guarantee Business","type":"service","description":"Financing guarantee services operated through Tianjin Yuexin subsidiary, started in 2023."}],"partnerships":[{"partner_name":"Institutional funding partners","partnership_type":"strategic","description":"Primary funding source for loans facilitated on the platform; service fees collected directly from some institutional funding partners.","start_date":null},{"partner_name":"Guarantee companies","partnership_type":"strategic","description":"External guarantee companies from which service fees are collected indirectly for facilitated loans.","start_date":null}],"affiliations":[],"origin":{"leaf":"9387ca3496d4972321687dc861fd80a319f66206bb554a3a5a3caa6d4d5ae276","formula":"v2: sha256( sha256(content) || parent || source_accession )","content_sha256":"1332161fc609aa4e62945a94b669d1f3f6c19be06583fd20b84f16834b0f0d93","parent":"e5d679174ca2df1acec7bfa23c1f04eccca01e66c897861ef04a2df9d33bf690","source":"0001410578-25-000892","chain":"sec.gov/EDGAR (retrieved over TLS, accession recorded) > origin.rootz.global extraction > this response","registry":"origin.rootz.global","verify":"Recompute it: sha256(sha256(<this response body minus the origin block>) || parent || source_accession). 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