Yiren Digital Ltd. (NYSE:YRD)

Yirendai Ltd. is engaged in providing an online consumer finance marketplace in China connecting investors and individual borrowers. The Company's online platform automates various aspects of its operations and enables the Company to match borrowers with investors and execute loan transactions. Its borrowers and investors come from a range of channels, including online sources, such as the Internet and its mobile applications, as well as offline sources, such as referrals from its parent company, CreditEase Holdings (Cayman) Limited's on-the-ground sales network. It focuses on prime borrowers, comprising credit card holders with stable credit performance and salary income. All of the loans facilitated through its marketplace feature fixed interest rates. It also offers investors a risk reserve fund service for limiting losses to investors from borrower defaults. Its online marketplace facilitates standard loan products, express loan products and vertical loan products to borrowers.