Yiren Digital's "Zhiyu Large Model" Receives Regulatory Approval for Commercial Use in China

Yiren Digital's AI Innovation Breakthrough

Yiren Digital Ltd. (NYSE: YRD), a leading AI-powered financial and lifestyle services platform in China, has achieved a significant milestone in artificial intelligence innovation. The company's proprietary "Zhiyu Large Model" (智语大模型) has received regulatory approval for commercialization under the Interim Measures for the Management of Generative Artificial Intelligence Services 1

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Zhiyu Large Model: Capabilities and Applications

The Zhiyu Large Model is a versatile foundation model that showcases Yiren Digital's advanced AI capabilities. It offers a range of solutions, including:

1. Real-time content processing and analysis
2. Automated contract review
3. Multilingual translation
4. Intelligent Q&A
5. Code generation capabilities

These features have been integrated into Yiren Digital's core workflows, such as meeting management, legal document review, and tax/financial operations. The implementation has resulted in measurable efficiency gains and fostered a smarter digital workplace 1

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Future Expansion and Consumer-Facing Applications

Building on this success, Yiren Digital plans to broaden the model's applications across diverse business scenarios. The company will focus particularly on enhancing consumer-facing (2C) interactions, aiming to deliver more natural and human-like engagement through AI-powered interfaces. Future integration with customer service systems is expected to further elevate responsiveness and overall service quality 1

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Yiren Digital's AI Ecosystem

Yiren Digital has consistently prioritized technological innovation since its inception. The company has developed a suite of seven proprietary AI systems that form the backbone of its operations, including:

1. DiTing intelligent decision-making system
2. LingShu intelligent marketing platform
3. QingNiao smart customer service solution
4. ZhuQue intelligent fund routing platform

The ZhuQue platform, in particular, demonstrates the company's technological prowess. It employs sophisticated algorithms to optimize fund allocation based on dynamic analysis of borrower credit profiles, partner risk parameters, and cost structures. In 2024, this system alone generated annual cost savings of RMB 44 million 1

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Regulatory Landscape and Industry Recognition

The regulatory approval positions Yiren Digital among an elite group of AI innovators in China. As of April 10, 2025, only 128 generative AI services in Beijing had successfully completed the filing process. Earlier this year, Yiren Digital became a member of China's Artificial Intelligence Industry Alliance (AIIA), recognized for its cutting-edge advancements in AI development and applications 1

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The company has also received several accolades, including:

• Recognition among 2024 "Beijing's Top 100 Software and Information Services Enterprises"
• 2024 "Golden FinTech" Excellence Award by CAICT

With the commercial approval of the Zhiyu Large Model, Yiren Digital anticipates accelerated enhancement of its existing systems and smoother realization of its comprehensive AI commercialization strategy 1

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