Shared enterprise AI operating model accelerates deployment, strengthens operating leverage and supports scalable expansion across businessesBEIJING, Aug. 18, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE:YRD)

<p xmlns="http://www.w3.org/1999/xhtml" class="prntac"><i xmlns="http://www.w3.org/1999/xhtml">Shared enterprise AI operating model accelerates deployment, strengthens operating leverage and supports scalable expansion across businesses</i></p><p xmlns="http://www.w3.org/1999/xhtml" id="temp_ReleaseStart"><span xmlns="http://www.w3.org/1999/xhtml" class="legendSpanClass">BEIJING</span>, <span xmlns="http://www.w3.org/1999/xhtml" class="legendSpanClass">Aug. 18, 2026</span> /PRNewswire/ -- Yiren Digital Ltd. (NYSE:<a class="ticker" href="https://www.benzinga.com/quote/YRD">YRD</a>) (&#34;Yiren Digital&#34; or the &#34;Company&#34;), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets, today announced continued progress in upgrading AI capabilities across core enterprise functions, establishing a shared operating model that enables AI capabilities developed within one business to be rapidly deployed across additional functions. This progress advances the Company&#39;s transition toward an AI-native, multi-industry operating platform.</p>
<p xmlns="http://www.w3.org/1999/xhtml" class="prntal">Beyond developing AI independently for individual use cases, Yiren Digital has built a common enterprise AI framework that standardizes models, agents, workflows and governance. This approach fosters modularity, resource sharing and model reusability, shortening development cycles and creating a scalable operating model capable of supporting long-term expansion into additional AI-enabled verticals. As a result, AI capabilities developed for one business function can be adapted to additional businesses without rebuilding core models, workflows or governance, reducing implementation time while improving consistency across the organization.</p><p xmlns="http://www.w3.org/1999/xhtml" class="prntal">Deploying technology into production across the Company&#39;s credit and insurance businesses has enabled Yiren Digital to develop, validate and standardize enterprise AI capabilities before expanding them across the broader organization. These deployments demonstrate how AI can evolve from solving isolated business problems to becoming an integrated enterprise capability.</p><p xmlns="http://www.w3.org/1999/xhtml" class="prntal">&#34;Our architecture prioritizes module and model reusability – every <span xmlns="http://www.w3.org/1999/xhtml">fraud</span> detection model, validation framework, and decision layer is built as a composable component. This means our partners aren&#39;t adopting a rigid black box; they are gaining access to modular intelligence they can integrate, adapt and combine with their own systems,&#34; said Mr. Ning Tang, Chairman and Chief Executive Officer of Yiren Digital. &#34;As the AI agent ecosystem matures, our <span xmlns="http://www.w3.org/1999/xhtml">fraud</span> detection capabilities can be seamlessly integrated into autonomous workflows. Ultimately, we are building the technology for autonomous financial system.&#34;</p><p xmlns="http://www.w3.org/1999/xhtml" class="prntal">Recent production deployments across customer operations, capital operations, marketing, risk management and asset recovery demonstrate that AI capabilities developed within one function can be successfully standardized and deployed across additional enterprise workflows. These deployments provide real-world validation of the Company&#39;s shared enterprise AI operating model.</p><p xmlns="http://www.w3.org/1999/xhtml" class="prntal">Yiren Digital&#39;s enterprise AI architecture combines proprietary large language models, multi-agent infrastructure, workflow execution and centralized governance into a shared enterprise framework supporting customer operations, marketing, capital operations, risk management, compliance and research and development.</p><p xmlns="http://www.w3.org/1999/xhtml" class="prntal">Key components include the Zhiyu and Yizhi large language models, the MagiCube 2.0 multi-agent platform, the XuanJi workflow execution engine and the ZhiNao orchestration layer. Together, these technologies provide standardized AI capabilities that can be deployed consistently across multiple business functions while maintaining governance and operational control.</p><p xmlns="http://www.w3.org/1999/xhtml" class="prntal">Credit and insurance have served as Yiren Digital&#39;s initial production environments for developing enterprise AI capabilities. As these capabilities become standardized, the Company expects future AI deployments to require less incremental development while benefiting from shared governance, workflows and operating knowledge.</p><p xmlns="http://www.w3.org/1999/xhtml" class="prntal">Yiren Digital plans to continue expanding enterprise AI across its existing businesses while selectively extending standardized capabilities into additional AI application-layer opportunities. By establishing a repeatable enterprise AI operating model, the Company is creating a scalable foundation that supports faster innovation, stronger operating leverage and long-term multi-industry growth.</p><p xmlns="http://www.w3.org/1999/xhtml" class="prntal"><b xmlns="http://www.w3.org/1999/xhtml">About Yiren Digital</b></p><p xmlns="http://www.w3.org/1999/xhtml" class="prntal">Yiren Digital Ltd. is a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets. The Company leverages advanced artificial intelligence and emerging technologies to enhance customer experience, optimize capital efficiency, and expand financial inclusion. Following the regulatory filing of its in-house developed Large Language Model <i xmlns="http://www.w3.org/1999/xhtml">Zhiyu</i>, and the significant enhancement of its <i xmlns="http://www.w3.org/1999/xhtml">MagiCube</i> Agent platform, Yiren Digital is establishing a new growth engine to accelerate its evolution into an AI-native, multi-industry operating platform extending beyond traditional financial services. For more information, please visit <a xmlns="http://www.w3.org/1999/xhtml" href="https://ir.yiren.com/" target="_blank" rel="nofollow">https://ir.yiren.com</a>.</p><p xmlns="http://www.w3.org/1999/xhtml" class="prntal"><b xmlns="http://www.w3.org/1999/xhtml">Safe Harbor Statement</b></p><p xmlns="http://www.w3.org/1999/xhtml" class="prntal">This press release contains forward-looking statements. These statements are made under the &#34;safe harbor&#34; provisions of the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as &#34;aim,&#34; &#34;anticipate,&#34; &#34;believe,&#34; &#34;estimate,&#34; &#34;expect,&#34; &#34;hope,&#34; &#34;going forward,&#34; &#34;intend,&#34; &#34;ought to,&#34; &#34;plan,&#34; &#34;project,&#34; &#34;potential,&#34; &#34;seek,&#34; &#34;may,&#34; &#34;might,&#34; &#34;can,&#34; &#34;could,&#34; &#34;will,&#34; &#34;would,&#34; &#34;shall,&#34; &#34;should,&#34; &#34;is likely to&#34; and the negative form of these words and other similar expressions. This press release contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These statements can be identified by terminology such as &#34;will,&#34; &#34;expects,&#34; &#34;anticipates,&#34; &#34;future,&#34; &#34;intends,&#34; &#34;plans,&#34; &#34;believes,&#34; &#34;estimates,&#34; &#34;target,&#34; &#34;confident,&#34; and similar expressions. Forward-looking statements are based on management&#39;s current expectations, assumptions, and assessments of current market and operating conditions. These statements involve inherent risks, uncertainties, and other factors, many of which are outside the control of the Company, and which could cause actual results to differ materially from those expressed or implied in such statements. Actual results may differ materially from those expressed or implied in forward-looking statements due to a variety of factors and other risks described in the Company&#39;s filings with the U.S. Securities and Exchange Commission. All forward-looking statements speak only as of the date of this press release. The Company undertakes no, and expressly disclaims any, obligation to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise, except as required under applicable law.</p>



<p xmlns="http://www.w3.org/1999/xhtml" id="PURL"><img xmlns="http://www.w3.org/1999/xhtml" title="Cision" width="12" height="12" alt="Cision" src="https://edge.prnewswire.com/c/img/favicon.png?sn=CN28426&amp;sd=2026-08-18"></img> View original content:<a xmlns="http://www.w3.org/1999/xhtml" id="PRNURL" rel="nofollow" href="https://www.prnewswire.com/news-releases/yiren-digital-upgrades-enterprise-ai-across-core-business-functions-302853734.html" target="_blank">https://www.prnewswire.com/news-releases/yiren-digital-upgrades-enterprise-ai-across-core-business-functions-302853734.html</a></p><p xmlns="http://www.w3.org/1999/xhtml">SOURCE Yiren Digital Ltd.</p>

Yiren Digital Upgrades Enterprise AI Across Core Business Functions

Yiren Digital Accelerates AI Platform to Scale Across Businesses, Boosting Operating Leverage

<section class="insight" data-version="1">
  <section data-block="information">
    <h3>Information</h3>
    <p>Shared enterprise AI operating model accelerates deployment, strengthens operating leverage and supports scalable expansion across businessesBEIJING, Aug. 18, 2026 /PRNewswire/ -- Yiren Digital Ltd. (NYSE:YRD)</p>
  </section>

  <section data-block="ai-summary-paragraph">
    <h3>AI Summary</h3>
    <p>Yiren Digital said it is upgrading enterprise AI across core functions with a shared operating model to deploy AI capabilities quickly across divisions. The framework standardizes models, workflows and governance, enabling modular, reusable components and faster rollout, especially in credit and insurance. While no near-term revenue figures were provided, the move could lift operating leverage and multi-industry growth over time.</p>
  </section>

  <section data-block="ai-summary-bullets">
    <h3>Key Points</h3>
    <ul><li>YRD expands shared enterprise AI operating model across more functions.</li><li>Framework standardizes models, workflows, governance to cut deployment time.</li><li>Production deployments in credit and insurance validate scalable AI capabilities.</li><li>CEO Ning Tang highlights modular, autonomous workflows for future growth.</li></ul>
  </section>

  <section data-block="companies-mentioned">
    <h3>Companies Mentioned</h3>
    <ul><li><strong>Yiren Digital Ltd. (YRD)</strong>: Primary beneficiary of AI platform upgrade; potential for operating leverage and cross-functional expansion.</li></ul>
  </section>

  <section data-block="category">
    <h3>Corporate Developments</h3>
    <p>Category: Corporate Developments. The piece details YRD’s strategic upgrade of its AI operating model and its plan to scale AI capabilities across multiple functions and industries, aligning with corporate growth initiatives rather than quarterly earnings.</p>
  </section>

  <section data-block="market-moving">
    <h3>Market-Moving</h3>
    <ul><li>Expanded, reusable AI modules could lift long-term margins and cross-sell opportunities.</li><li>No near-term earnings guidance; investors focus on milestone progress and adoption.</li><li>China AI adoption pace and regulatory environment remain key risk factors.</li></ul>
  </section>

  <section data-block="key-facts">
    <h3>Key Facts</h3>
    <ul><li>Aug 18, 2026: YRD announces enterprise AI upgrades.</li><li>Zhiyu, Yizhi LLMs, MagiCube 2.0 are core components.</li><li>Deployments across credit and insurance environments validate capabilities.</li><li>Production deployments span customer ops, capital ops, marketing, risk, asset recovery.</li><li>Plans to extend standardized capabilities to additional AI applications.</li></ul>
  </section>

  <section data-block="trading-thesis">
    <h3>Trading Thesis</h3>
    <p>Long YRD on AI-driven operating leverage potential; timeline expected over 12–24 months.</p>
  </section>
</section>


<p xmlns="http://www.w3.org/1999/xhtml" class="prntac"><i xmlns="http://www.w3.org/1999/xhtml">Shared enterprise AI operating model accelerates deployment, strengthens operating leverage and supports scalable expansion across businesses</i></p><p xmlns="http://www.w3.org/1999/xhtml" id="temp_ReleaseStart"><span xmlns="http://www.w3.org/1999/xhtml" class="legendSpanClass">BEIJING</span>, <span xmlns="http://www.w3.org/1999/xhtml" class="legendSpanClass">Aug. 18, 2026</span> /PRNewswire/ -- Yiren Digital Ltd. (NYSE:<a class="ticker" href="https://www.benzinga.com/quote/YRD">YRD</a>) (&#34;Yiren Digital&#34; or the &#34;Company&#34;), a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets, today announced continued progress in upgrading AI capabilities across core enterprise functions, establishing a shared operating model that enables AI capabilities developed within one business to be rapidly deployed across additional functions. This progress advances the Company&#39;s transition toward an AI-native, multi-industry operating platform.</p>
<p xmlns="http://www.w3.org/1999/xhtml" class="prntal">Beyond developing AI independently for individual use cases, Yiren Digital has built a common enterprise AI framework that standardizes models, agents, workflows and governance. This approach fosters modularity, resource sharing and model reusability, shortening development cycles and creating a scalable operating model capable of supporting long-term expansion into additional AI-enabled verticals. As a result, AI capabilities developed for one business function can be adapted to additional businesses without rebuilding core models, workflows or governance, reducing implementation time while improving consistency across the organization.</p><p xmlns="http://www.w3.org/1999/xhtml" class="prntal">Deploying technology into production across the Company&#39;s credit and insurance businesses has enabled Yiren Digital to develop, validate and standardize enterprise AI capabilities before expanding them across the broader organization. These deployments demonstrate how AI can evolve from solving isolated business problems to becoming an integrated enterprise capability.</p><p xmlns="http://www.w3.org/1999/xhtml" class="prntal">&#34;Our architecture prioritizes module and model reusability – every <span xmlns="http://www.w3.org/1999/xhtml">fraud</span> detection model, validation framework, and decision layer is built as a composable component. This means our partners aren&#39;t adopting a rigid black box; they are gaining access to modular intelligence they can integrate, adapt and combine with their own systems,&#34; said Mr. Ning Tang, Chairman and Chief Executive Officer of Yiren Digital. &#34;As the AI agent ecosystem matures, our <span xmlns="http://www.w3.org/1999/xhtml">fraud</span> detection capabilities can be seamlessly integrated into autonomous workflows. Ultimately, we are building the technology for autonomous financial system.&#34;</p><p xmlns="http://www.w3.org/1999/xhtml" class="prntal">Recent production deployments across customer operations, capital operations, marketing, risk management and asset recovery demonstrate that AI capabilities developed within one function can be successfully standardized and deployed across additional enterprise workflows. These deployments provide real-world validation of the Company&#39;s shared enterprise AI operating model.</p><p xmlns="http://www.w3.org/1999/xhtml" class="prntal">Yiren Digital&#39;s enterprise AI architecture combines proprietary large language models, multi-agent infrastructure, workflow execution and centralized governance into a shared enterprise framework supporting customer operations, marketing, capital operations, risk management, compliance and research and development.</p><p xmlns="http://www.w3.org/1999/xhtml" class="prntal">Key components include the Zhiyu and Yizhi large language models, the MagiCube 2.0 multi-agent platform, the XuanJi workflow execution engine and the ZhiNao orchestration layer. Together, these technologies provide standardized AI capabilities that can be deployed consistently across multiple business functions while maintaining governance and operational control.</p><p xmlns="http://www.w3.org/1999/xhtml" class="prntal">Credit and insurance have served as Yiren Digital&#39;s initial production environments for developing enterprise AI capabilities. As these capabilities become standardized, the Company expects future AI deployments to require less incremental development while benefiting from shared governance, workflows and operating knowledge.</p><p xmlns="http://www.w3.org/1999/xhtml" class="prntal">Yiren Digital plans to continue expanding enterprise AI across its existing businesses while selectively extending standardized capabilities into additional AI application-layer opportunities. By establishing a repeatable enterprise AI operating model, the Company is creating a scalable foundation that supports faster innovation, stronger operating leverage and long-term multi-industry growth.</p><p xmlns="http://www.w3.org/1999/xhtml" class="prntal"><b xmlns="http://www.w3.org/1999/xhtml">About Yiren Digital</b></p><p xmlns="http://www.w3.org/1999/xhtml" class="prntal">Yiren Digital Ltd. is a leading company specializing in financial technology and artificial intelligence innovation across multiple industries in China and global markets. The Company leverages advanced artificial intelligence and emerging technologies to enhance customer experience, optimize capital efficiency, and expand financial inclusion. Following the regulatory filing of its in-house developed Large Language Model <i xmlns="http://www.w3.org/1999/xhtml">Zhiyu</i>, and the significant enhancement of its <i xmlns="http://www.w3.org/1999/xhtml">MagiCube</i> Agent platform, Yiren Digital is establishing a new growth engine to accelerate its evolution into an AI-native, multi-industry operating platform extending beyond traditional financial services. For more information, please visit <a xmlns="http://www.w3.org/1999/xhtml" href="https://ir.yiren.com/" target="_blank" rel="nofollow">https://ir.yiren.com</a>.</p><p xmlns="http://www.w3.org/1999/xhtml" class="prntal"><b xmlns="http://www.w3.org/1999/xhtml">Safe Harbor Statement</b></p><p xmlns="http://www.w3.org/1999/xhtml" class="prntal">This press release contains forward-looking statements. These statements are made under the &#34;safe harbor&#34; provisions of the U.S. Private Securities Litigation Reform Act of 1995. These forward-looking statements can be identified by terminology such as &#34;aim,&#34; &#34;anticipate,&#34; &#34;believe,&#34; &#34;estimate,&#34; &#34;expect,&#34; &#34;hope,&#34; &#34;going forward,&#34; &#34;intend,&#34; &#34;ought to,&#34; &#34;plan,&#34; &#34;project,&#34; &#34;potential,&#34; &#34;seek,&#34; &#34;may,&#34; &#34;might,&#34; &#34;can,&#34; &#34;could,&#34; &#34;will,&#34; &#34;would,&#34; &#34;shall,&#34; &#34;should,&#34; &#34;is likely to&#34; and the negative form of these words and other similar expressions. This press release contains forward-looking statements within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and as defined in the U.S. Private Securities Litigation Reform Act of 1995. These statements can be identified by terminology such as &#34;will,&#34; &#34;expects,&#34; &#34;anticipates,&#34; &#34;future,&#34; &#34;intends,&#34; &#34;plans,&#34; &#34;believes,&#34; &#34;estimates,&#34; &#34;target,&#34; &#34;confident,&#34; and similar expressions. Forward-looking statements are based on management&#39;s current expectations, assumptions, and assessments of current market and operating conditions. These statements involve inherent risks, uncertainties, and other factors, many of which are outside the control of the Company, and which could cause actual results to differ materially from those expressed or implied in such statements. Actual results may differ materially from those expressed or implied in forward-looking statements due to a variety of factors and other risks described in the Company&#39;s filings with the U.S. Securities and Exchange Commission. All forward-looking statements speak only as of the date of this press release. The Company undertakes no, and expressly disclaims any, obligation to update or revise any forward-looking statements, whether as a result of new information, future events, or otherwise, except as required under applicable law.</p>



<p xmlns="http://www.w3.org/1999/xhtml" id="PURL"><img xmlns="http://www.w3.org/1999/xhtml" title="Cision" width="12" height="12" alt="Cision" src="https://edge.prnewswire.com/c/img/favicon.png?sn=CN28426&amp;sd=2026-08-18"></img> View original content:<a xmlns="http://www.w3.org/1999/xhtml" id="PRNURL" rel="nofollow" href="https://www.prnewswire.com/news-releases/yiren-digital-upgrades-enterprise-ai-across-core-business-functions-302853734.html" target="_blank">https://www.prnewswire.com/news-releases/yiren-digital-upgrades-enterprise-ai-across-core-business-functions-302853734.html</a></p><p xmlns="http://www.w3.org/1999/xhtml">SOURCE Yiren Digital Ltd.</p>

Yiren Digital said it is upgrading enterprise AI across core functions with a shared operating model to deploy AI capabilities quickly across divisions. The framework standardizes models, workflows and governance, enabling modular, reusable components and faster rollout, especially in credit and insurance. While no near-term revenue figures were provided, the move could lift operating leverage and multi-industry growth over time.

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Yiren Digital Upgrades Enterprise AI Across Core Business Functions

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Corporate Developments