Yiren Digital Ltd. is a Cayman Islands exempted company with limited liability, operating as a comprehensive digital personal financial management platform in China. The company offers a range of financial and lifestyle services, including loan facilitation, insurance brokerage, and consumption and lifestyle services. Yiren Digital Ltd. is subject to various laws and regulations in China, as well as Cayman Islands law and NYSE listing standards. The company faces several risk factors, including regulatory uncertainties, competition, and currency exchange risks. Additionally, Yiren Digital Ltd. has a complex corporate structure with contractual arrangements with its subsidiaries and consolidated variable interest entities, which may pose challenges in enforcing contractual obligations and potential conflicts of interest.
