Our Vision
Unleashing Your Financial Freedom
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
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.
e-Brand. Awards 2024
HKET Excellence Awards 2024
Hong Kong Commercial Daily 2023
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 (0676/2024), mainly engages in property loan business in Hong Kong, and provides customers with low-interest and reliable loan solutions.
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