Ten Years of Yiren Digital: A Journey of Fintech Innovation and Future Vision

Celebrating a Decade of Yiren Digital

On December 18, 2025, Yiren Digital Ltd. (NYSE: YRD) commemorates its significant milestone of 10 years since first being listed on the stock exchange. As one of the foremost companies in the fintech sector, focusing primarily on digital consumer lending, insurance, and cutting-edge financial technology across China and Southeast Asia, Yiren Digital reflects on a decade filled with achievements and challenges.

In a heartfelt letter addressed to shareholders, CEO Ning Tang expressed profound gratitude for the trust and support that investors have shown over the years. He acknowledged the hurdles faced, including the impact of COVID-19 and economic fluctuations, yet he conveyed a strong sense of optimism regarding the company's future trajectory. "Having overcome some significant challenges in the past ten years, especially the last five years, I feel incredibly positive about where we are heading as a company," he stated.

Yiren Digital plans to maintain its robust performance within the domestic loan facilitation space while continuing its foray into innovative markets. Recent advancements in Internet insurance mark the company’s commitment to offering more advanced solutions within the traditional financial services sector. Tang emphasized that these core areas are not only providing substantial cash flow but are also laying a solid foundation for future expansion.

One of the company’s strategic focuses moving forward includes a concerted effort towards international growth. Tang highlighted the rapid expansion of Yiren's international business, which is outpacing growth in the domestic market. The potential entry into blockchain finance is being approached with a focus on compliance, ensuring that operations align with regulations in permitted jurisdictions. "I believe blockchain is FinTech 2.0, the future of financial services," he pointed out, indicating the company's ambition to lead in this new era of finance.

Another core aspect of Yiren Digital’s forward-looking strategy is the innovative incorporation of Artificial Intelligence (AI). The company has invested in mastering AI technology, particularly in developing AI agents that enhance customer experiences in unprecedented ways. This commitment to leveraging AI is not merely cost-saving; it is about transforming customer interaction and satisfaction levels. "AI will significantly redefine the customer experience in ways we could not imagine three years ago," Tang remarked.

In his letter, Tang pondered using AI to draft his message, but ultimately decided against it, wanting shareholders to hear directly from him. His dedication to genuine communication is a testament to Yiren Digital’s company culture, which prioritizes transparency and trust.

As Yiren Digital moves forward into its next decade, Tang’s vision is clear: to better the company day by day while ensuring that it not only meets but exceeds shareholder expectations. While reflecting on the past is important, focusing on future innovations is key. Yiren Digital's commitment to remaining at the forefront of fintech, fueled by the rapid advances in AI and blockchain technology, suggests that the company's best years are still ahead.

As we look to the next decade, we remain hopeful that Yiren Digital will harness these advancements to not only grow but create pathways for financial inclusion and customer engagement that will set new standards in the industry. The future awaits, and Yiren Digital is eager to lead the way in financial technology innovation.

For sustained updates and insights, visit Yiren Digital's Investor Relations.