Qfin Holdings, Inc. is an AI-driven credit-tech platform operating primarily in China under the Qifu Jietiao brand. Founded in 2016 and formerly known as Qifu Technology Inc., the company empowers financial institutions by deploying advanced technology solutions to make credit services more accessible and personalized for consumers and small to medium-sized enterprises (SMEs). Its core offerings include borrower acquisition through multi-channel strategies, precise credit assessment, risk management, fund matching, and enhanced collection efficiency. Qfin Holdings, Inc. provides credit-driven services that connect borrowers with institutions and platform services featuring loan facilitation, intelligent marketing, referrals, and risk management software as a service (SaaS) via its Intelligent Credit Engine. Headquartered in Shanghai's Lujiazui Finance Plaza with approximately 3,527 employees, it emphasizes innovation through AI-native architectures, large language models, and partnerships like joint AI labs with Shanghai Jiao Tong University. The company holds a significant role in China's fintech landscape, focusing on digital financial inclusion, operational efficiency, and technology output to banks, while accumulating over 960 patents and earning accolades such as KPMG's Fintech 50 for six years. Operating in the credit services industry within financial services, Qfin Holdings, Inc. supports cyclical market dynamics by facilitating consumer lending and SME financing.