# Yiren Digital Advances Transition to AI-Native, Multi-Industry Operating Model with Enterprise AI Architecture Rollout

- Link: https://www.thailand-business-news.com/pr-news/yiren-digital-advances-transition-to-ai-native-multi-industry-operating-model-with-enterprise-ai-architecture-rollout
- Published: 2026-05-14T20:00:00+07:00
- Author: PR Newswire

**_Proprietary Multi-Agent Architecture Enables AI-Driven Execution Across Financial
Services and Emerging AI-Native Verticals_**

BEIJING, May 14, 2026 /PRNewswire/ — Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital"
or the "Company"), a leading fintech company specializing in digital consumer lending,
insurance and financial technology innovation across China and global markets, today
announced that AI is increasingly executing core workflows across its credit and
insurance businesses. This shift is improving operating efficiency and unit economics,
particularly in customer acquisition and servicing processes, and marks its transition
toward an AI-native, multi-industry operating model.

This evolution from AI-assisted operations to agent-driven execution is enabled 
by Yiren Digital’s proprietary AI architecture, which is now deployed across its
credit and insurance operations and extending into selected AI-native verticals 
beyond financial services. The architecture spans a foundation model, a multi-agent
platform, an agent execution layer, an enterprise AgentOS, and a workspace-level
employee co-pilot.

Under its All-in-AI strategy, the Company is advancing its transition from a technology-
enabled financial services platform toward an AI-native, multi-industry operating
company. The strategy builds on over 5 years of the Company’s purpose-built AI infrastructure
and R&D investments, demonstrated operating impact across the Company’s credit and
insurance businesses, and an AI-executed internet insurance line that has emerged
as a second growth engine.

"For years, we have been a fintech company that uses AI to do credit and insurance
better," said Mr. Ning Tang, Chairman and Chief Executive Officer of Yiren Digital."
We are now becoming an AI-native, multi-industry company. This shift is already 
improving how we operate, allowing us to scale expertise, increase efficiency, and
expand into new verticals with greater speed and discipline. Our proprietary AI 
capabilities, developed in one of the most regulated and security-intensive industries
in the world, are designed to be portable across financial sub-sectors and adjacent
verticals where domain knowledge, data, and agentic execution can scale and compound
over time. All-in-AI is how we will operate, grow, and allocate capital from here
forward."

**From AI-Assisted Tools to AI-Driven Execution**

Following the 2025 launch of its proprietary multi-agent platform, MagiCube, the
Company’s 2026 rollout of MagiCube 2.0 marks a pivotal operational shift. AI agents
now function as autonomous executors rather than mere task assistants, delivering
end-to-end outcomes across the enterprise lifecycle. Key milestones underpinning
this architectural evolution include:

 ◦ **Zhiyu** – the Company’s proprietary large language model (LLM), received regulatory
   filing approval in April 2025 and serves as the foundational intelligence layer.
 ◦ **MagiCube** – the Company’s multi-agent integration platform, launched in October
   2025 as the connective infrastructure for large-scale agent deployment across
   sales, risk, capital, compliance, and customer service.
 ◦ **MagiCube 2.0** – introduced in 2026, restructures the platform around two specialized
   layers: **XuanJi**, for human-and-organization workflow execution, and **ZhiNao**,
   the enterprise-wide AgentOS for LLM coordination and multi-agent orchestration.

**XuanJi: AI-Driven Execution for Labor-Intensive Workflows**

XuanJi is the Company’s AI-driven workflow execution layer, delivering business 
outcomes directly across high-volume, repetitive processes including outbound customer
service, telesales, insurance proposal generation, lending operations, and post-
sale engagement. By moving these functions from human-assisted tasks to agent-delivered
results, XuanJi structurally improves cost-to-serve, response speed, and consistency.

**ZhiNao: The Enterprise AgentOS**

ZhiNao is the Company’s centralized orchestration and governance layer, an AgentOS
that coordinates LLMs and agents, routes workflows, manages permissions, integrates
enterprise knowledge, and enforces AI governance across the organization. ZhiNao
serves as the single coordination hub for every agent the Company deploys, internal
or third-party, and scales agent-driven operations across knowledge-intensive functions
such as advisory services, strategic analysis, and management decision support.

**Workspace AI and AI Buddy: A Platform for Human-Agent Collaboration**

Workspace AI is the Company’s enterprise-wide operating platform connecting employees,
AI agents, knowledge systems, and intelligent workflows in a unified execution environment.
Its employee-facing interface, AI Buddy, provides every colleague with a personalized
co-pilot routed through ZhiNao, a single interface giving frontline staff and management
direct access to enterprise data, agentic workflows, and approved third-party AI
tools. All agent-driven workflows within the platform operate under a centralized
governance framework, ensuring compliance, auditability and risk control across 
regulated business lines.

**A Proven Track Record of AI-Driven Operating Impact**

Yiren Digital’s All-in-AI strategy has become a core driver of financial performance,
delivering enhanced operating leverage across our ecosystem. In fiscal year 2025,
integrating proprietary AI agents and LLMs generated meaningful cost efficiencies,
and the continued upgrade of the Company’s enterprise AI architecture is expected
to further accelerate these benefits. Most notably, AI-powered precision marketing
has reduced sales & marketing and customer service expenses as a percentage of total
revenue. This migration toward an agent-led execution model has fundamentally bolstered
our unit economics and positioned the Company for sustainable, profitable growth.

Beyond operational efficiency, our AI infrastructure is a proven engine for rapid
business scaling. By repurposing the core AI architecture engineered for our credit
operations, our internet insurance distribution business achieved rapid, consecutive-
quarter premium growth, becoming an increasingly meaningful revenue contributor.
This validates our strategic thesis: a portable AI stack, combined with a massive
established user base, creates a structural advantage that drastically accelerates
time-to-market. Capitalizing on this momentum, we are advancing an autonomous AI
insurance agent assistant, currently in alpha-stage for internal testing. The platform
is designed to automate standardized advisory tasks across the insurance customer
journey. It will structurally lower customer acquisition costs while freeing up 
human agents’ time to focus more on higher-value client relationship development
activities.

**Extending All-in-AI Beyond Financial Services: A Capital-Light Ecosystem for Structural
AI Growth**

Yiren Digital is expanding its All-in-AI strategy through strategic minority investments
in high-growth AI startups, further extending its ecosystem. The Company is leveraging
its proprietary AI infrastructure and operational experience gained from serving
over 14 million cumulative credit customers and more than 2 million insurance customers
to support ecosystem partners and emerging AI-native initiatives. By focusing on
AI-native verticals where results and benefits drive value, such as AI-enabled learning,
interactive entertainment, and autonomous services, this capital-light approach 
enables the Company to capture structural AI growth while maintaining disciplined
capital allocation and limiting execution risk.

According to IDC (International Data Corporation) research, active AI agents deployed
by Chinese enterprises are projected to grow at a ~135% CAGR through 2031. This 
rapid expansion will increasingly favor companies with integrated, agent-orchestrated
operating systems over those relying on fragmented point solutions, a trend that
aligns with Yiren Digital’s architecture and strategy. By unifying intelligence,
decision-making, and execution across its proprietary stack, from the Zhiyu foundation
model to the ZhiNao AgentOS, Yiren Digital has built a highly scalable architecture.
Paired with disciplined capital allocation and a stabilizing credit environment 
in 2026, this cohesive system is positioned to drive renewed revenue and margin 
momentum in the periods ahead, supported by continued deployment of agent-driven
workflows across its core businesses.

**About Yiren Digital**

Yiren Digital Ltd. is a leading fintech company specializing in digital consumer
lending, insurance, and financial technology innovation across China and global 
markets. The Company leverages advanced artificial intelligence and emerging technologies
to enhance customer experience, optimize capital efficiency, and expand financial
inclusion. Following the regulatory filing of its in-house developed Large Language
Model _Zhiyu_, and the significant enhancement of its _MagiCube_ Agent platform,
Yiren Digital is establishing a new growth engine to accelerate its evolution into
an AI-native, multi-industry operating platform extending beyond traditional financial
services. For more information, please visit [https://ir.yiren.com](https://ir.yiren.com/).

**Safe Harbor Statement**

This press release contains forward-looking statements within the meaning of Section
21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.
S. Private Securities Litigation Reform Act of 1995. These statements can be identified
by terminology such as "will," "expects," "anticipates," "future," "intends," "plans,""
believes," "estimates," "target," "confident," and similar expressions.

Forward-looking statements are based on management’s current expectations, assumptions,
and assessments of current market and operating conditions. These statements involve
inherent risks, uncertainties, and other factors, many of which are outside the 
control of Yiren Digital Ltd. (NYSE: YRD) (the "Company"), and which could cause
actual results to differ materially from those expressed or implied in such statements.

Such risks and uncertainties include, but are not limited to, significant fluctuations
in loan origination volumes, changes in credit performance and delinquency trends,
variations in take rates and monetization efficiency, availability and cost of funding,
and the Company’s ability to achieve its anticipated financial results or previously
issued guidance.

In addition, the Company operates in a highly regulated industry in the People’s
Republic of China ("PRC"), and its business is materially affected by the evolving
regulatory framework applicable to credit facilitation, consumer finance, online
lending-related services, data security, and financial risk management. Regulatory
policies and implementation measures in these areas have undergone, and may continue
to undergo, significant and rapid changes, including changes in interpretation and
enforcement.

Such regulatory developments may include, but are not limited to, adjustments to
risk retention and capital requirements, restrictions on pricing, interest rates,
or service fees, enhanced consumer protection and compliance obligations, data privacy
and cybersecurity requirements, and limitations on certain business models or partnership
structures. These measures may materially impact the Company’s ability to originate
loans, maintain relationships with funding partners, price its services competitively,
or sustain historical revenue and profitability levels.

Furthermore, the timing, scope, and enforcement intensity of regulatory changes 
in the PRC are often uncertain and may vary across regions and over time. Such uncertainty
may result in increased compliance costs, operational constraints, and strategic
adjustments, and may also affect funding partner behavior, borrower demand, and 
overall industry liquidity.

In addition, shifts in regulatory policy and market expectations may adversely affect
investor sentiment and capital market conditions for the industry, potentially resulting
in reduced loan facilitation volumes, increased volatility in financial performance,
and pressure on margins.

Actual results may differ materially from those expressed or implied in forward-
looking statements due to a variety of factors, including, but not limited to, unexpected
changes in regulatory policies or enforcement practices, macroeconomic conditions,
borrower credit behavior, funding partner participation, competitive dynamics, and
other risks described in the Company’s filings with the U.S. Securities and Exchange
Commission.

All forward-looking statements speak only as of the date of this press release. 
The Company undertakes no, and expressly disclaims any, obligation to update or 
revise any forward-looking statements, whether as a result of new information, future
events, or otherwise, except as required under applicable law.

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