Building Financial Products for Everyone
Powered by Zero Boundaries AI Innovation
Zero Limits
Zero Pains
Zero Waits
Our Vision
Unleashing Your Financial Freedom
Zero Finance is dedicated to building a flexible and reliable intelligent financial service platform for the public, combining big data and AI technology to provide users with timely professional financial advice and support, creating more wealth opportunities.
Our Mission
Breaking Traditional Financial Boundaries
Sharing intelligence and innovation democratizes financial knowledge, enabling everyone to have the opportunity to control their financial path.
We established Zero Finance in 2014, guided by the principles of “Zero Limits”, “Zero Waiting”, and “Zero Pains”, focusing on inclusive finance and wealth management.
Our Videos
X Wallet 2024 Latest Advertisement
X Wallet 2023 Latest Advertisement
X Wallet 3-step simple application, 5 seconds to get the approval result
X Wallet revolving loan - borrow and withdraw money anytime anywhere 24 hours a day
Your Chance Your X Wallet
Your Chance Your X Wallet
Smart Loan for Smart People
Smart Loan for Smart People
We believe that the loan approval process should be simple, swift, and un-biased.
The birth of X Wallet is to break traditional lending barrier. By simply logging into the X Wallet mobile APP and completing 3 easy application steps, users can receive loan approval results within 5 seconds* and immediately arrange fund withdrawal. The entire process utilizes AI data computation, eliminating human error.
The APP also features X Pay, a buy-now-pay-later function, allowing users to pay at partner merchants using X Pay and automatically split bills, embracing a flexible consumption lifestyle.
*According to a 2022 survey report by FRC Resource Consultant Limited, the average loan approval time for 80 respondents was 5 seconds.
HK01 Lifestyle Awards 2022
“Popular Money-Lending Mobile Apps” Awards
X8 Finance and Zero Finance are subsidiaries of Zero Fintech Group Limited (Stock Code: 0093), X8 Finance holds a Hong Kong money lender license (0670/2025), mainly engages in property loan business in Hong Kong, and provides customers with low-interest and reliable loan solutions.
Trustworthy Listed Company
Zero Finance is a subsidiary of Zero Fintech Group Limited (Hong Kong Stock Exchange No.0093), a credit company with money lender license in Hong Kong. As a member of the Hong Kong Finance Professional Association, Zero Finance is devoted to lead the financial and loan industry with technology, and providing reliable and diversified financial products to public .
Money Lender’s License: 0666/2025
