9f inc., together with its subsidiaries, operates a digital financial account platform that integrates and personalizes financial services in the people's republic of china. its products include digital financial accounts that offer online lending, online wealth management, and payment facilitation services; revolving and non-revolving loan products to borrowers, as well as traffic referral services to institutional funding partners; and a suite of online wealth management products, such as fixed income products, stocks, insurance, and mutual funds to investors in various platforms, including wukong licai, 9f wallet, and 9f puhui. the company also provides payment facilitation and other products and services that help users to pay credit card bills and household bills, such as utility bills; and other value-added services, including credit history search, debt consolidation, and user referral services. it has partnerships with borrowers, investors, financial institutions, and merchant