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.
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 in seconds¹ and immediately arrange fund withdrawal³. 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.
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 (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 a money lender license in Hong Kong. As a member of the Hong Kong Finance Professional Association, Zero Finance is devoted to leading the financial and loan industry through technology, and providing reliable and diversified financial products to the public.
Money Lender’s License: 773/2026
We're seeking talented individuals to join our team. Embark on an exciting journey with us!
¹According to internal statistics from 1 January 2026 to 31 March 2026, the average approval time for the X Cash.AI Loan was within 5 seconds. Approval time refers to the duration from the submission of a completed application to the completion of the A.I. system’s assessment. Actual time required may vary depending on individual circumstances. The Company reserves the right of final approval; terms and conditions apply.
²Generally, the Company does not charge any handling fees for the loan products offered through X Wallet. The Company reserves the right of final interpretation and decision.
³Excluding system maintenance periods; actual time may vary depending on individual circumstances. Final approval is subject to the applicant’s financial status. The Company reserves the right of final approval; terms and conditions apply.
