X Cash A.I.

Interest is calculated on a daily basis

With daily interest rates as low as $0.22*

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.

8 Key Benefits

Zero Human Interference

Zero Human Interference

A truly automated borrowing experience. The entire process from apply, contract signing to fund transfer can be completed without any manpower, just through the mobile app in Hong Kong.

Lightning Approval in Seconds

Lightning Approval in Seconds

By using Machine Learning, it will be zero delay, and you will get the results within 5 seconds.

Zero Income Proof

Zero Income Proof

X Wallet needs only your HKID for identity verification. No income proof is required, greatly improving the efficiency of borrowing.

24/7 Instant Funds

24/7 Instant Funds

Once the loan contract is confirmed, the funds will be instantly transfer to your bank account by using the “FPS” system, solve your cash flow problems immediately.

Zero Branch Visits

Zero Branch Visits

The loan process is all done over the mobile phone conveniently. No branch visits are needed.

Flexible Loan Amount

Flexible Loan Amount

The loan amount can be as low as $1,000^, the repayment period is also very flexible, there are no hidden charges, and no penalty for early repayment.

Withdrawal & Pay At Anytime

Withdrawal & Pay At Anytime

Borrowing and repayment with X Wallet Loan APP is no longer restricted by time and geographical area, helps you manage your budget through FPS repayment.

Transparency

Transparency

Clear view of all your transactions updated in real-time on the APP.

Zero Human Interference

Zero Human Interference

A truly automated borrowing experience. The entire process from apply, contract signing to fund transfer can be completed without any manpower, just through the mobile app in Hong Kong.
Lightning Approval in Seconds

Lightning Approval in Seconds

By using Machine Learning, it will be zero delay, and you will get the results within 5 seconds.

Zero Income Proof

X Wallet needs only your HKID for identity verification. No income proof is required, greatly improving the efficiency of borrowing.
24/7 Instant Funds

24/7 Instant Funds

Once the loan contract is confirmed, the funds will be instantly transfer to your bank account by using the "FPS" system, solve your cash flow problems immediately.
Zero Branch Visits

Zero Branch Visits

The loan process is all done over the mobile phone conveniently. No branch visits are needed.
Flexible Loan Amount

Flexible Loan Amount

The loan amount can be as low as $1,000^, the repayment period is also very flexible, there are no hidden charges, and no penalty for early repayment.
Withdrawal & Pay At Anytime

Withdrawal & Pay At Anytime

Borrowing and repayment with X Wallet Loan APP is no longer restricted by time and geographical area, helps you manage your budget through FPS repayment.
Transparency

Transparency

Clear view of all your transactions updated in real-time on the APP.

^Only applicable to existing re-loan customers. Final approval is subject to the actual situation and financial condition of the customer.

Experience X Cash A.I.

Machine Learning can improve the accuracy of each approval for future applicants as the machine learns about each applicant itself, making money more accessible to everyone.

Testimonial

*Final approval is subject to the actual situation and financial condition of the customer.

3

Steps
to financial freedom!

3 Steps
to financial freedom!
Verify Identity Open X Wallet, take a photo of Hong Kong ID card to verify your identity, and enter general personal information.
A.I. Instant Approval Using Machine Learning and data analysis to give you an approval result as fast as 5 seconds.
Confirmation and fund transfer Confirm the loan contract and fill-in bank information in app, then the fund will be transferred through FPS instantly to your bank account.

How to Apply:

Verify Identity

Open X Wallet, take a photo of Hong Kong ID card to verify your identity, and enter general personal information.

A.I. Instant Approval

Using Machine Learning and data analysis to give you an approval result as fast as 5 seconds.

Confirmation and fund transfer

Confirm the loan contract and fill-in bank information in app, then the fund will be transferred through FPS instantly to your bank account.

Verify Identity Open X Wallet, take a photo of Hong Kong ID card to verify your identity, and enter general personal information.
A.I. Instant Approval Using Machine Learning and data analysis to give you an approval result as fast as 5 seconds.
Confirmation and fund transfer Confirm the loan contract and fill-in bank information in app, then the fund will be transferred through FPS instantly to your bank account.

Enquiry

Submit Enquiry Form or Call us on +852 2531 0333 !

Any Questions?

We are always ready to help!

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