Exhibit 8.1

List of Significant Subsidiaries of Qfin Holdings, Inc. and the VIEs and the VIEs’ Subsidiaries

Subsidiaries

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Place of Incorporation

HK Qirui International Technology Limited

Hong Kong

Shanghai Qiyue Information Technology Co., Ltd.

Mainland China

Shanghai Qidi Information Technology Co., Ltd.

Mainland China

Beihai Qi’ang Information Technology Co., Ltd.

Mainland China

VIEs and the VIEs’ subsidiaries

Place of Incorporation

Shanghai Qiyu Information Technology Co., Ltd.

Mainland China

Fuzhou Qifu Financing Guarantee Co., Ltd.

Mainland China

Fuzhou Qifu Online Microcredit Co., Ltd.

Mainland China

Beihai Yunhua Information Technology Co., Ltd.

Mainland China