Zero is the foundation that drives
greater values

Zero Limits
Zero Limits
Zero Pains
Zero Pains
Zero Waits

Our Vision

Unleashing Your Financial Freedom

Zero Finance will continuously introduce smart and personalized financial products, achieving a fl_x001E_exible and reliable technology-driven integrated platform for the public.

Our Mission

Breaking Traditional Financial Boundaries

Zero Finance is a financial technology company aimed to provide to the public a zero limit, zero wait, and zero pain financial service. Founded in 2014, Zero Finance focuses on inclusive finance and wealth management businesses.

We always believe any loan products should be designed with simplicity and helpfulness. Human approval gives bias results, ignoring important factors that could impact the approval result of a applicant.

X Wallet breaks the traditional way of lending using Machine Learning and data analysis to deliver an automated borrowing process in 3 easy steps.

HK01 Lifestyle Awards 2022

HK01 Lifestyle Awards 2022

“Popular Money-Lending Mobile Apps” Awards

Mob-Ex Awards 2019

Mob-Ex Awards 2019

Silver for best app in financial services
Silver for most innovative use of mobile
Bronze for best e-commerce solution
Bronze for best result-driven mobile campaign
Bronze for most innovative use of mobile technology

X Wallet App
X8 Finance

X8 Finance and Zero Finance are subsidiaries of Termbray Industries International (Holdings) Limited (Stock Code: 0093), X8 Finance holds a Hong Kong money lender license (0807/2023), mainly engages in property loan business in Hong Kong, and provides customers with low-interest and reliable loan solutions.

X8 Finance

Trustworthy Listed Company

Trustworthy Listed Company

Zero Finance is a subsidiary of Termbray Industries (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: 1100/2023

Trustworthy Listed Company
Hong Kong Profressional Lenders Assoication

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