Yiren Digital Announces Major Upgrade To Its Magicube Agent Platform, An AI-driven Multi-Agent System Aimed At Transforming Customer Engagement, Risk Control, Compliance, And Capital Management In Financial Services

Yiren Digital Ltd. (NYSE:YRD) ("Yiren Digital" or the "Company"), an AI-powered platform providing a comprehensive suite of financial services in Asia, announced a significant update to its Magicube Agent Platform, a proprietary multi-agent artificial intelligence system designed to revolutionize customer engagement, risk control, compliance, and capital management across the financial services industry. The next-generation launch readies the platform for large-scale commercialization, marking a major milestone in the Company's multi-year AI journey.

The Magicube Agent Platform integrates six specialized AI agents — Customer Service, Risk Management, Capital Management, Compliance, System Monitoring, and Sales — each built to replicate and multiply human productivity in mission-critical financial services domains.

According to IDC estimates, the generative AI market in China's fintech sector is expected to exceed USD30 billion by 2028, growing at a CAGR of over 44%. Yiren Digital aims to capture significant market share with the external deployment of its Magicube Agent Platform, offering AI-driven solutions for consumer lending, risk management, compliance and capital optimization.

The platform's value lies primarily in cost reduction and efficiency enhancement. Internally, Magicube Agent Platform has elevated profitability and performance across marketing, customer service and risk management, among other areas. In marketing and accounts receivable management, the Company expects combined annual cost savings to reach approximately RMB35 million. Efficiency improvements are primarily reflected in risk management, optimized capital deployment, operations, and regulatory compliance. In particular, AI fraud detection has resulted in the interception of an average of 50,000 high-risk customers daily, preventing significant losses annually. Other positive outcomes include: