| Schedule of principal subsidiaries, VIEs and subsidiaries of the VIEs |
As of December 31, 2025, the Company’s principal subsidiaries, VIEs and subsidiaries of the VIEs are as follows: | | | | | | | | | | | | | | | Percentage of | | | | | Date of | | Place of | | direct ownership or | | | | | incorporation/ | | incorporation/ | | indirect | | | | | establishment | | establishment | | economic interest | | Principal activities | Wholly-owned subsidiaries | | | | | | | | | YZT (HK) Limited | | January 14, 2015 | | Hong Kong | | 100 | % | Investment holding | Xiaoying (Beijing) Information Technology Co., Ltd. (“Beijing WFOE”) | | October 28, 2015 | | Beijing | | 100 | % | Technology development and service, sale of products | Shenzhen Xiaoying Puhui Technology Co., Ltd. (“Shenzhen Puhui”) | | December 6, 2016 | | Shenzhen | | 100 | % | Technology development and service, sale of products | Shenzhen Xiaoying Information Technology Co., Ltd. (“Shenzhen Xiaoying IT”) | | November 28, 2016 | | Shenzhen | | 100 | % | Technology development and service, sale of products | Tianjin Yuexin Financing Guarantee Co., Ltd. (“Tianjin Yuexin”) | | May 20, 2022 | | Tianjin | | 100 | % | Guarantee services | Dingyue Digital and Information Technology (Shenzhen) Co., Ltd. (“Dingyue”) | | November 5, 2021 | | Shenzhen | | 100 | % | Technology development service | VIEs | | | | | | | | | Shenzhen Xiaoying Technology Co., Ltd. (“Shenzhen Xiaoying”) | | October 19, 2016 | | Shenzhen | | 100 | % | Technology development and service, sale of products | Beijing Ying Zhong Tong Rongxun Technology Service Co., Ltd. (“Beijing Ying Zhong Tong”) | | March 27, 2015 | | Beijing | | 100 | % | Technology development and service, sale of products | Significant subsidiaries of the VIEs | | | | | | | | | Shenzhen Ying Zhong Tong Financial Information Service Co., Ltd. (“Shenzhen Ying Zhong Tong”) | | March 7, 2014 | | Shenzhen | | 100 | % | Technology development and service, sale of products | Shenzhen Ying Ai Gou Trading Co., Ltd. (“Shenzhen Ying Ai Gou”) | | October 25, 2018 | | Shenzhen | | 100 | % | E-commerce services | Shenzhen Quanbei Microcredit Co., Ltd. (“Quanbei Microcredit”) | | May 31,2021 | | Shenzhen | | 100 | % | Microcredit services |
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