SHENZHEN, China, Aug. 18, 2026 /PRNewswire/ — X Financial (NYSE: XYF) (the “Company”), a leading online personal finance company in China, today announced that it will release its unaudited financial results for the second quarter ended June 30, 2026, before the open of U.S. markets on Monday, August 24, 2026.

X Financial’s management team will host an earnings conference call at 8:30 AM U.S. Eastern Time on Monday, August 24, 2026 (8:30 PM Beijing / Hong Kong Time on the same day).

Dial-in details for the earnings conference call are as follows:

Please dial in ten minutes before the call is scheduled to begin and provide the passcode to join the call.

A replay of the conference call may be accessed by phone at the following numbers until August 31, 2026:

Additionally, a live and archived webcast of the conference call will be available at https://ir.xiaoyinggroup.com.

About X Financial

X Financial is a leading online personal finance company in China. The Company is committed to connecting borrowers on its platform with its institutional funding partners. With its proprietary big data-driven technology, the Company has established strategic partnerships with financial institutions across multiple areas of its business operations, enabling it to facilitate loans to prime borrowers under a robust risk assessment and control system.

For more information, please visit: https://ir.xiaoyinggroup.com.

For more information, please contact:

X Financial
Mr. Frank Fuya Zheng
Mr. Noah Kauffman
E-mail: ir@xiaoying.com 

View original content:https://www.prnewswire.com/news-releases/x-financial-to-report-second-quarter-2026-financial-results-on-august-24-2026-302853735.html

SOURCE X Financial

Shared enterprise AI operating model accelerates deployment, strengthens operating leverage and supports scalable expansion across businesses

BEIJING, Aug. 18, 2026 /PRNewswire/ — Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets, today announced continued progress in upgrading AI capabilities across core enterprise functions, establishing a shared operating model that enables AI capabilities developed within one business to be rapidly deployed across additional functions. This progress advances the Company’s transition toward an AI-native, multi-industry operating platform.

Beyond developing AI independently for individual use cases, Yiren Digital has built a common enterprise AI framework that standardizes models, agents, workflows and governance. This approach fosters modularity, resource sharing and model reusability, shortening development cycles and creating a scalable operating model capable of supporting long-term expansion into additional AI-enabled verticals. As a result, AI capabilities developed for one business function can be adapted to additional businesses without rebuilding core models, workflows or governance, reducing implementation time while improving consistency across the organization.

Deploying technology into production across the Company’s credit and insurance businesses has enabled Yiren Digital to develop, validate and standardize enterprise AI capabilities before expanding them across the broader organization. These deployments demonstrate how AI can evolve from solving isolated business problems to becoming an integrated enterprise capability.

“Our architecture prioritizes module and model reusability – every fraud detection model, validation framework, and decision layer is built as a composable component. This means our partners aren’t adopting a rigid black box; they are gaining access to modular intelligence they can integrate, adapt and combine with their own systems,” said Mr. Ning Tang, Chairman and Chief Executive Officer of Yiren Digital. “As the AI agent ecosystem matures, our fraud detection capabilities can be seamlessly integrated into autonomous workflows. Ultimately, we are building the technology for autonomous financial system.”

Recent production deployments across customer operations, capital operations, marketing, risk management and asset recovery demonstrate that AI capabilities developed within one function can be successfully standardized and deployed across additional enterprise workflows. These deployments provide real-world validation of the Company’s shared enterprise AI operating model.

Yiren Digital’s enterprise AI architecture combines proprietary large language models, multi-agent infrastructure, workflow execution and centralized governance into a shared enterprise framework supporting customer operations, marketing, capital operations, risk management, compliance and research and development.

Key components include the Zhiyu and Yizhi large language models, the MagiCube 2.0 multi-agent platform, the XuanJi workflow execution engine and the ZhiNao orchestration layer. Together, these technologies provide standardized AI capabilities that can be deployed consistently across multiple business functions while maintaining governance and operational control.

Credit and insurance have served as Yiren Digital’s initial production environments for developing enterprise AI capabilities. As these capabilities become standardized, the Company expects future AI deployments to require less incremental development while benefiting from shared governance, workflows and operating knowledge.

Yiren Digital plans to continue expanding enterprise AI across its existing businesses while selectively extending standardized capabilities into additional AI application-layer opportunities. By establishing a repeatable enterprise AI operating model, the Company is creating a scalable foundation that supports faster innovation, stronger operating leverage and long-term multi-industry growth.

About Yiren Digital

Yiren Digital Ltd. is a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets. The Company leverages advanced artificial intelligence and emerging technologies to enhance customer experience, optimize capital efficiency, and expand financial inclusion. Following the regulatory filing of its in-house developed Large Language Model Zhiyu, and the significant enhancement of its MagiCube Agent platform, Yiren Digital is establishing a new growth engine to accelerate its evolution into an AI-native, multi-industry operating platform extending beyond traditional financial services. For more information, please visit https://ir.yiren.com.

Safe Harbor Statement

This press release contains forward-looking statements. These statements are made under the “safe harbor” provisions of the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as “aim,” “anticipate,” “believe,” “estimate,” “expect,” “hope,” “going forward,” “intend,” “ought to,” “plan,” “project,” “potential,” “seek,” “may,” “might,” “can,” “could,” “will,” “would,” “shall,” “should,” “is likely to” and the negative form of these words and other similar expressions. This press release contains 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 statements can be identified by terminology such as “will,” “expects,” “anticipates,” “future,” “intends,” “plans,” “believes,” “estimates,” “target,” “confident,” and similar expressions. Forward-looking statements are based on management’s current expectations, assumptions, and assessments of current market and operating conditions. These statements involve inherent risks, uncertainties, and other factors, many of which are outside the control of the Company, and which could cause actual results to differ materially from those expressed or implied in such statements. Actual results may differ materially from those expressed or implied in forward-looking statements due to a variety of factors and other risks described in the Company’s filings with the U.S. Securities and Exchange Commission. All forward-looking statements speak only as of the date of this press release. The Company undertakes no, and expressly disclaims any, obligation to update or revise any forward-looking statements, whether 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-upgrades-enterprise-ai-across-core-business-functions-302853734.html

SOURCE Yiren Digital Ltd.

Extended market access may improve flexibility and price discovery, but it does not eliminate weekend gaps, thin liquidity or execution risk.

PORT VILA, Vanuatu, Aug. 18, 2026 /PRNewswire/ — Traditional financial markets are moving closer to always-on access. CME Group reported that nearly 15,000 1-Ounce Gold futures contracts, representing approximately US$60 million in notional value, traded during the inaugural weekend of its 24/7 schedule. The London Stock Exchange has also announced LSE 24, a planned 24/5 venue for digital, algorithmic and agentic trading.

Against this backdrop, Vantage Markets (“Vantage”) and macroeconomist Fu Peng are examining a broader question: as trading extends beyond conventional sessions, can liquidity, price discovery, clearing, settlement and risk controls keep pace?

Why Is 24/7 Trading Becoming Market Infrastructure?

“24/7 trading is infrastructure,” Fu said. “In principle, any financial asset can operate within such a framework once the underlying infrastructure supports timely clearing and settlement.”

Fu links the shift to advances in computing, blockchain-based financial infrastructure and post-trade systems. Crypto assets were early users of always-on markets, but the same underlying framework can progressively support gold, equities, commodities and foreign exchange as technology and participation develop. 

Traditional market closures have also served a purpose. A weekend pause can give investors time to assess earnings, policy decisions and other information before prices adjust. In a fully continuous market, Fu said, participants may be more likely to react first and think later. Extended access changes when markets respond to news, but not the need for judgment and discipline.

Does 24/7 Trading Reduce Weekend Risk?

Not automatically. Wider participation may support more continuous price discovery and reduce some discontinuities between Friday and Monday. The outcome still depends on whether participation is broad enough, liquidity is sufficient and the pricing benchmark is reliable.

During thinner periods, prices can move sharply and execution may be constrained. A chart may appear continuous even when an order cannot be filled at the expected level. Weekend trading can move the market’s response closer to an event, but it cannot guarantee execution, eliminate price gaps or make leveraged trading inherently safer.

Can Gold Be Traded on Weekends?

Vantage applies this market-structure shift through XAUUSD247, a separate OTC gold CFD available to eligible clients 24 hours a day, seven days a week, including weekends, subject to scheduled maintenance, regional availability and applicable product conditions.

The product uses a one-ounce contract size. Trading costs are reflected through variable spreads and applicable swap charges. Exceeding exposure thresholds places only the affected symbol into close-only mode on that login. Other symbols remain unaffected.

Beyond gold, the same infrastructure debate is emerging around AI and robotics. Vantage’s OPENAIUSD and ANTHUSD CFDs, which reference prices derived from private-market valuation data relating to OpenAI and Anthropic respectively, illustrate the importance of credible reference pricing, disclosure, liquidity and risk controls where conventional public-market access may not yet be available. Unitree Robotics received regulatory approval for a Shanghai STAR Market IPO in July, adding a current example of that transition. The broader challenge is to support this development with credible reference pricing, disclosure, liquidity and risk controls.

For traders, 24/7 gold CFD trading provides access outside traditional market hours, including during periods when market-moving events occur. It also creates more hours in which liquidity may be thin, prices may change rapidly and behavioural discipline may be tested.

“Opportunity is also risk, and risk is also opportunity; the two move together,” Fu said. More access does not automatically mean better decisions, lower risk or higher returns.

For brokers, exchanges and liquidity providers, the move toward always-on markets places greater emphasis on resilient infrastructure, transparent pricing, execution quality, clearing and settlement capacity, and safeguards during periods of lower participation.

This discussion forms the inaugural two-part episode of Vantage Point, Vantage’s ongoing expert-led series examining structural changes in global markets. The first episode brings together 24/7 trading, gold, liquidity, AI and US equities, establishing a continuing platform for expert perspectives on how market infrastructure and investor behaviour are evolving.  

About Vantage

Vantage Markets, or Vantage, is a multi-asset CFD broker offering access to CFDs on Forex, commodities, indices, shares, ETFs and bonds through its trading platforms and services.

Risk Warning

CFDs are complex instruments and carry a high risk of rapid losses due to leverage. Make sure you understand the risks before trading.

Disclaimer

This release is provided for general informational and educational purposes only. It does not constitute financial or investment advice, or an offer or solicitation of any financial product or service in any jurisdiction where such an offer or solicitation would be unlawful. Products and services may not be available in all jurisdictions.

View original content to download multimedia:https://www.prnewswire.com/apac/news-releases/247-trading-is-becoming-market-infrastructure–vantage-and-macroeconomist-fu-peng-examine-the-liquidity-limits-302853960.html

SOURCE Vantage