BEIJING, Oct. 7, 2025 /PRNewswire/ -- Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), an AI-powered platform offering comprehensive financial services across Asia, announced a major update to its Magicube Agent Platform. This proprietary multi-agent AI system is designed to transform customer engagement, risk control, compliance, and capital management in financial services. The next-generation launch prepares the platform for large-scale commercialization, marking a significant milestone in Yiren Digital’s multi-year AI development. The Magicube Agent Platform integrates six specialized AI agents — Customer Service, Risk Management, Capital Management, Compliance, System Monitoring, and Sales — each replicating and amplifying human productivity in critical financial domains. IDC estimates that China’s fintech generative AI market will exceed USD 30 billion by 2028, growing at over 44% CAGR. Yiren Digital aims to capture substantial market share by externally deploying the Magicube platform, which offers AI-driven solutions for consumer lending, risk management, compliance, and capital optimization. The platform primarily delivers value through cost reduction and efficiency improvements. Internally, Magicube has enhanced profitability and performance in marketing, customer service, and risk management. Marketing and accounts receivable improvements are projected to generate around RMB35 million in annual cost savings. Efficiency gains include optimized risk control, capital deployment, operations, and compliance. Notably, AI fraud detection intercepts about 50, 000 high-risk customers daily, preventing significant annual losses. Additional key outcomes include: Profitability: - Scalable Productivity: Each agent matches the output of at least 10 human employees, enabling exponential growth without proportional cost increases. - Margin Expansion: The accounts receivable agent executes 1. 09 million repayment reminders daily, reducing losses and increasing profit margins. Operational Efficiency: - Enhanced Risk Control: The platform manages KYC and fraud detection, intercepting 30, 000 fraudulent documents and flagging 20, 000 suspected black and grey clients daily. - Deeper Customer Engagement: With 50% of service staff using co-pilot agents, client response times and satisfaction have improved notably, boosting retention. - Capital Optimization: The Capital Management Agent achieves full capital deployment, minimizing mismatch risks and maximizing returns. - Operational Resilience: The System Monitoring Agent reduces shift durations by three hours daily while autonomously detecting cyber threats and optimizing peer agents. - Regulatory Confidence: The Compliance Agent employs deep semantic analysis for real-time compliance verification of every document, greatly enhancing the reliability of compliance management. “Our Magicube Agent Platform has moved from proof-of-concept to a commercially viable product with measurable financial impact and clear scalability, ” stated Mr. Ning Tang, Chairman and CEO of Yiren Digital.

“Given the vast AI-driven fintech opportunities, this platform not only boosts our internal efficiency but also positions us to deliver technology solutions to a vast external market. ” Future Growth Outlook Beyond internal use, Yiren Digital is actively pursuing external commercialization of Magicube through partnerships with financial institutions and enterprises in China and Southeast Asia. These efforts aim to create new revenue streams, strengthen competitive advantages, and drive adoption in high-growth markets. AI Track Record and Leadership Yiren Digital has long anticipated fintech trends, building its AI architecture early and refining its financial AI solutions through extensive validation. In April 2025, its large language model, Zhiyu, received official regulatory approval for commercialization, marking the company's transition from proof-of-concept to compliant commercial deployment. This achievement reinforces Yiren's first-mover status in financial AI and its reputation as a trusted leader in compliant AI implementation within the financial sector. About Yiren Digital Yiren Digital Ltd. is a leading AI-driven platform offering a full range of financial services in Asia. The Company’s mission is to improve customers’ financial well-being and quality of life through digital financial products and customized insurance solutions. Serving clients at various growth phases, Yiren addresses financing needs tied to consumption and production activities while enhancing financial security for individuals, families, and businesses. More information is available at https://ir. yiren. com/. Safe Harbor Statement This press release contains forward-looking statements as defined under the U. S. Securities laws. Such statements involve known and unknown risks and uncertainties that may cause actual results to differ materially. For details on risks and uncertainties, refer to Yiren Digital’s SEC filings. All information is current as of this release date, and Yiren Digital undertakes no obligation to update forward-looking statements except as required by law. SOURCE Yiren Digital