Qfin Holdings, Inc.

Qifu Technology, Inc. American Depositary Shares represent shares in Qfin Holdings, Inc., which operates an AI-driven credit-tech platform under the Qifu Jietiao brand in the People's Republic of China. The company provides credit-driven services that match borrowers with financial institutions, encompassing borrower acquisition, credit assessment, fund matching, and post-facilitation services. It also offers platform services such as loan facilitation and post-facilitation support to financial institution partners through an intelligent credit engine, alongside referral services and other technology solutions. Qifu Technology, Inc. American Depositary Shares serve financial institutions, individual consumers, and small and micro-enterprises, facilitating efficient credit facilitation and risk management in China's dynamic financial landscape. Founded in 2016 and headquartered in Shanghai, China, the company plays a key role in the credit services sector by leveraging artificial intelligence to enhance lending processes and support underserved market segments.