Yiren Digital Expands AI Application-Layer Strategic Investments

Covering AI Entertainment, AI-Assisted Language Learning, and AI Research Productivity

Supported by Structured Investment Options and Future Ownership Rights

Yiren Digital Ltd. (“Yiren Digital” or the “Company”), a leading fintech company specializing in digital consumer lending, insurance and financial technology innovation across China and global markets, announced the completion of strategic follow-on investments in three early-stage, high-growth AI application companies. These companies operate across emerging artificial intelligence application domains, with a focus on AI entertainment, AI-assisted language learning, and AI research productivity, further expanding the Company’s “All-in-AI” ecosystem.

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In addition to existing preferred equity positions, the Company has entered into performance-based equity warrants providing the right, but not the obligation, to acquire additional equity interests at pre-agreed valuation terms. Subject to defined performance milestones and payment of consideration, the Company may increase its ownership position, including potentially obtaining majority control in certain portfolio companies.

These arrangements are staged investment rights and do not constitute current control, de facto control, or consolidation. Any future change in ownership will occur only upon satisfaction of contractual conditions and completion of required payments, and all subsequent exercises will be subject to applicable regulatory requirements and corporate governance procedures.

The Company believes artificial intelligence is evolving from foundational infrastructure into large-scale commercial applications that directly shape user behavior and digital experiences, with the application layer expected to be a key long-term value-creation segment across education, media, and consumer-facing verticals.

Through its AI application-layer strategy, the Company invests in early-stage AI businesses close to end users, balancing strategic exposure, capital efficiency, and long-term optionality.

The Company maintains minority positions with staged pathways for potential future ownership increases, enabling participation in the growth of AI-native companies while maintaining disciplined capital allocation. These investments also complement the Company’s broader “All-in-AI” transformation and ongoing expansion of its AI capabilities.

Strategic Rationale: Building an Agentic AI Ecosystem

The Company views the AI industry as evolving beyond generative interfaces toward autonomous, context-aware, and action-oriented systems. Agentic AI is expected to become a foundational layer of future digital interaction, enabling AI agents to execute complex tasks and support decision-making across consumer and enterprise environments. Through this lens, Yiren Digital is constructing an interconnected AI application ecosystem designed to generate strategic synergies across content, education, productivity, and entertainment. This approach aims to reinforce user acquisition, data intelligence, and cross-platform monetization over the long term.

Portfolio Overview: Targeting High-Growth Verticals

The newly added portfolio companies represent targeted exposure to distinct, high-growth AI verticals:

• An AI-native entertainment company founded by Gen-Z creators that develops interactive storytelling and fan-driven content ecosystems, now building its own IP into a multi-format entertainment universe with strong early user growth and monetization potential.
• A company aligned with leading AI-driven education platforms and focused on personalized learning at scale. It leverages generative AI to deliver adaptive learning experiences that improve efficiency, accessibility, and user engagement across language and skill development markets, and is highly scalable.
• A specialized AI education technology company focused on academic productivity. It applies generative AI and knowledge systems to streamline research workflows, improve information validation, and reduce publishing friction, addressing a growing demand for AI-enabled professional research and publication tools in academic area.

Strategic Outlook and Enterprise Transformation

Looking ahead, Yiren Digital intends to continue expanding its presence in the AI application economy. Future strategic investments are expected to focus on sectors where the Company believes artificial intelligence can meaningfully change how users learn, interact, and consume content, including intelligent digital engagement platforms, AI-powered media ecosystems, and autonomous workflow systems.

In parallel, the Company continues to advance its enterprise-wide AI transformation. By integrating its proprietary AI architecture and internal agentic workflows with external ecosystem investments, Yiren Digital believes it can participate across multiple layers of AI-driven value creation over the long term.

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