360 DigiTech, Inc. Overview
Pro stress-test →360 DigiTech is a Chinese fintech platform that operates a credit-tech ecosystem connecting financial institutions with underserved consumers and small-medium enterprises (SMEs). The company generates revenue through loan facilitation, servicing fees, and technology services across both capital-heavy and capital-light lending models, with trailing twelve-month revenue of $2.2 billion as of June 2025.
Strategic Profile
Pro stress-test →The company is transitioning toward a capital-light, asset-light model where it primarily acts as a technology and risk-management service provider, minimizing balance-sheet risk while earning fees on facilitated loan volume. This shift emphasizes recurring service revenue and reduces regulatory and credit exposure, positioning 360 DigiTech as a pure fintech enabler rather than a direct lender.
Competitive Landscape
Pro stress-test →360 DigiTech competes in the Chinese online lending and fintech platform space against other credit-tech platforms and digital lenders. Key competitors include other Chinese fintech platforms offering loan facilitation, risk management, and platform services to institutional lenders and underserved borrowers. The company's strategic positioning as a capital-light technology and risk-management service provider differentiates it from pure direct-lending competitors and gives it advantages in regulatory resilience.
Industry Context
360 DigiTech, Inc. operates in Online lending platforms and credit-tech services.
Key facts
Founded: N/A · Headquarters: Beijing, China · Employees: N/A · Revenue: $2.2B (TTM as of June 2025) · Market cap: N/A