Yiren Digital Recognized with "Annual Digital Intelligence Innovative Application Award" by Caijing New Media

Rhea-AI Summary

Yiren Digital (NYSE: YRD) was awarded the "Annual Digital Intelligence Innovative Application Award" in the New Technology category by Caijing New Media on January 22, 2026. The award recognizes the company's AI application and digital transformation achievements across fintech services in China and Southeast Asia.

In 2025 Yiren Digital completed regulatory filing and registration of its proprietary Zhiyu large language model, supporting accelerated AI deployment. The company also upgraded its Magicube AI Agent Platform to version 2.0, enhancing marketing automation, content generation, quality inspection, and code security to drive operational efficiency and a hybrid human–AI model.

Positive

• Registered Zhiyu LLM via regulatory filing in 2025
• Received Annual Digital Intelligence Innovative Application Award on Jan 22, 2026
• Magicube v2.0 upgrade expanded AI capabilities across four strategic verticals
• Adopted hybrid human–AI collaboration enabling 24/7 service availability

Negative

• None.

Key Figures

Regulatory filing year: 2025 Service availability: 24/7 Platform version: 2.0 +1 more

4 metrics

Regulatory filing year 2025 Regulatory filing and registration of Zhiyu large language model

Service availability 24/7 Magicube AI Agent Platform supports round-the-clock service

Platform version 2.0 Magicube AI Agent Platform upgraded to version 2.0

Strategic verticals 4 AI capabilities bolstered across four strategic verticals

Market Reality Check

Price: $3.89 Vol: Volume 64,421 vs 20-day a...

normal vol

$3.89 Last Close

Volume Volume 64,421 vs 20-day average 84,856 (relative volume 0.76), indicating subdued trading activity. normal

Technical Shares at $3.84 are trading below the 200-day MA $5.65 and sit 56.06% under the 52-week high of $8.74.

Peers on Argus

YRD fell 2.29% while close peers were mixed: XYF -3.5%, MCVT -1.93% versus QD +1...

YRD fell 2.29% while close peers were mixed: XYF -3.5%, MCVT -1.93% versus QD +1.86%, RM +3.42%, PRAA +3.93%. No broad, aligned sector move is indicated.

Historical Context

5 past events · Latest: Dec 18 (Positive)

Pattern 5 events

Date	Event	Sentiment	Move	Catalyst
Dec 18	Anniversary/strategy update	Positive	+0.9%	10-year listing letter highlighting strategy, AI and international expansion.
Dec 11	Innovation award	Positive	-0.2%	Technology Innovation Leadership award recognizing AI-driven transformation.
Nov 25	Earnings results	Neutral	-7.6%	Q3 2025 earnings with revenue growth but lower net income and higher delinquencies.
Nov 18	Earnings date notice	Neutral	-2.0%	Announcement of timing and details for upcoming Q3 2025 results call.
Nov 07	ESG ranking	Positive	+0.8%	Top 10% S&P ESG rating supported by AI risk controls and inclusion metrics.

Pattern Detected

Recent history shows mixed alignment: positive recognition and ESG news sometimes saw modest gains, while earnings and even neutral updates occasionally coincided with declines.

Recent Company History

Over the last few months, Yiren Digital has highlighted strategic milestones and recognition around its AI-driven fintech model. On Nov 7, 2025, it reported a top 10% S&P Global ESG ranking tied to AI-enabled risk controls and inclusive‑finance metrics. Q3 2025 results on Nov 25 showed revenue growth but lower net income, followed by multiple Form 144 filings. In December, the company marked its 10th listing anniversary and received a "Technology Innovation Leadership" award, reinforcing the same themes of AI transformation that underpin today’s digital intelligence award.

Market Pulse Summary

This announcement highlights further validation of Yiren Digital’s AI-focused strategy, with its pro...

Analysis

This announcement highlights further validation of Yiren Digital’s AI-focused strategy, with its proprietary Zhiyu large language model and upgraded Magicube AI Agent Platform underpinning operational efficiency and 24/7 service. It continues a recent stream of recognition for technology and ESG performance. Investors tracking the story may focus on how these AI initiatives translate into revenue, credit performance, and costs in future results, alongside any additional regulatory milestones or large-scale deployments the company reports.

Key Terms

large language model, llm, ai agent platform

3 terms

large language model technical

"completed the regulatory filing and registration of its proprietary "Zhiyu" large language model (LLM)"

A large language model is a computer system trained on vast amounts of text to understand and generate human-like writing, like a very well-read virtual assistant that can summarize, draft, translate, or answer questions. Investors care because it can change how businesses operate and compete—boosting productivity, cutting costs, or enabling new products—while also creating risks around accuracy, regulation, and security that can affect revenue and valuation.

llm technical

""Zhiyu" large language model (LLM), facilitating the accelerated deployment"

A large language model (LLM) is an advanced computer system trained on vast amounts of written text to understand and generate human-like language, similar to a very fast, well-read assistant that can summarize documents, draft messages, or answer questions. Investors care because LLMs can speed up research, automate customer support, and reduce costs, while also creating new product opportunities and risks around accuracy, bias, and regulatory oversight that can affect a company’s performance.

ai agent platform technical

"Powered by the "Magicube" AI Agent Platform, Yiren Digital has significantly improved"

A AI agent platform is a software system that creates, coordinates and runs autonomous virtual assistants or “agents” that can carry out tasks, make decisions, and interact with users or other systems without constant human oversight. Think of it as a management hub for a team of smart helpers that can automate workflows, handle customer queries, analyze data or trigger actions. Investors care because these platforms can reduce labor costs, speed product development, create new revenue streams and concentrate operational and regulatory risks, so they affect growth potential and margins.

AI-generated analysis. Not financial advice.

BEIJING, Jan. 22, 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 Southeast Asia, announced today that it has received the "Annual Digital Intelligence Innovative Application Award" under the "New Technology" category. The award was organized by Caijing New Media in conjunction with Analysys, the China Virtual Reality Technology and Innovation Platform, the Zhongguancun Shu Zhi Artificial Intelligence Industry Alliance, Qingbo(dsdata), and other key industry bodies. Other winners in other categories include Alibaba, Tencent, Honor, Tiktok, and JD.

The award is a recognition of Yiren Digital's sustained innovation in AI technology application to deliver business value. It further confirms Yiren Digital's digital transformation achievements and demonstration of the value creation of its AI-driven strategy, establishing a practical benchmark for digital and intelligent transformation within the fintech sector.

Advancing AI Strategy with Proprietary Large Language Models

In 2025, Yiren Digital successfully completed the regulatory filing and registration of its proprietary "Zhiyu" large language model (LLM), facilitating the accelerated deployment of its AI strategy. This regulatory milestone has catalyzed business momentum by optimizing operational workflows, refining client engagement, and enhancing the company's capabilities in AI productization and solutions.

Magicube AI Agent Platform: Driving Operational Excellence

Powered by the "Magicube" AI Agent Platform, Yiren Digital has significantly improved performance accuracy and efficiency while elevating the user experience. The key operations now utilize a hybrid human–AI collaboration model, ensuring 24/7 service availability and transcending the traditional capacity limitations of manual support.

The Magicube AI Agent Platform has recently undergone a version 2.0 upgrade, bolstering AI capabilities across four strategic verticals to drive operational excellence:

• Intelligent Marketing Optimization: Enabling automated, logic-driven script routing
• Automated Content Generation: Enhancing creative velocity and output efficiency
• Quality Inspection Reconstruction: Supporting flexible configuration and batch analysis for rigorous quality control
• Code Security Fortification: Ensuring systematic stability and risk mitigation

By continuously expanding the scope and quality of its technology-enabled services, Yiren Digital has further deepened its product innovation pipeline and service ecosystem to support demand for fast credit analysis, precision marketing and risk optimization.

Strategic, Scaled, and First-Mover Investment in AI

Yiren Digital has long pioneered fintech innovation, executing an AI strategy characterized by first-mover advantage, significant capital allocation, and precise market positioning.

Looking ahead, the platform will continue to invest in high value proposition R&D particularly in multi-agent collaboration, aiming to build a more automated "digital workforce".

About Yiren Digital

Yiren Digital Ltd. is a leading fintech company specializing in digital consumer lending, insurance, and next-generation financial technology innovation across China and Southeast Asia. Leveraging advanced AI and emerging technologies, the Company enhances customer experience, improves operational efficiency, and expands financial inclusion. With continued breakthroughs in AI and digital finance, Yiren Digital is building the foundation to become a global leader in AI-powered and blockchain-enabled financial technology. For more information, please visit https://ir.yiren.com.

Safe Harbor Statement

 This press release contains forward-looking statements. These statements constitute "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 forward-looking statements can be identified by terminology such as "will," "expects," "anticipates," "future," "intends," "plans," "believes," "estimates," "target," "confident" and similar statements. Such statements are based upon management's current expectations and current market and operating conditions and relate to events that involve known or unknown risks, uncertainties and other factors, all of which are difficult to predict and many of which are beyond Yiren Digital's control. Forward-looking statements involve risks, uncertainties, and other factors that could cause actual results to differ materially from those contained in any such statements. Further information regarding these and other risks, uncertainties or factors is included in Yiren Digital's filings with the U.S. Securities and Exchange Commission. All information provided in this press release is as of the date of this press release, and Yiren Digital does not undertake any obligation to update any forward-looking statement as a result of new information, future events or otherwise, except as required under applicable law.

View original content:https://www.prnewswire.com/news-releases/yiren-digital-recognized-with-annual-digital-intelligence-innovative-application-award-by-caijing-new-media-302667958.html

SOURCE Yiren Digital

FAQ

What award did Yiren Digital (YRD) receive on January 22, 2026?

Yiren Digital received the Annual Digital Intelligence Innovative Application Award in the New Technology category.

When did Yiren Digital (YRD) complete regulatory filing for its Zhiyu LLM?

Yiren Digital completed the regulatory filing and registration of Zhiyu in 2025.

What is the Magicube platform update announced by Yiren Digital (YRD)?

Yiren Digital upgraded the Magicube AI Agent Platform to version 2.0, improving marketing automation, content generation, quality inspection, and code security.

How does Yiren Digital (YRD) use AI to improve operations?

The company uses a hybrid human–AI model and Magicube automation to optimize workflows, client engagement, and 24/7 service availability.

What regions does Yiren Digital (YRD) serve with its fintech and AI services?

Yiren Digital operates across China and Southeast Asia in digital consumer lending, insurance, and fintech innovation.