x financial provides personal finance services in the people's republic of china. the company offers services as an online marketplace connecting borrowers and investors. its loan product is xiaoying credit loan, which consists of xiaoying card loan catering to the credit card holders and xiaoying preferred loan to small business owners. the company also offers xiaoying housing loan, a home equity loan product for property owners; investment products through xiaoying wealth management platform, such as loans, money market, and insurance products; and loan facilitation services to other platforms. x financial was founded in 2014 and is headquartered in shenzhen, the people's republic of china.