Yiren Digital says AI systems blocked $23M in fraud losses in 2025

Yiren Digital Ltd. (NYSE: YRD) said its AI-powered fraud detection systems intercepted 10,300 fraudulent borrowers across 14,500 cases in 2025, helping the company avoid RMB165 million (approximately $23 million) in fraud-related losses, according to a press release.

The company's fraud detection framework relies on two proprietary systems: Hawkeye, a fraud detection platform, and DiTing, an intelligent decision-making system. Together, the platforms analyze credit reports, user behavior and other authorized data to identify suspicious activity across pre-loan, in-loan and post-loan processes.

As of the end of 2025, the company's blacklist database contained approximately 800 million records. Hawkeye and DiTing had cumulatively identified more than 500,000 suspected fraudulent borrowers and 41,993 malicious actors linked to black-market operations.

DiTing has a daily capacity to screen approximately 30,000 potentially risky credentials. Related verification tools identify approximately 1,500 counterfeit documents and more than 1,000 video-fraud cases each day.

"Risk management is one of the clearest examples of how AI can create measurable value across highly regulated financial services," said Ning Tang, Chairman and Chief Executive Officer of Yiren Digital. He added that the company's fraud detection technology "is now available as an exportable service, enabling financial institutions and fintech companies to deploy enterprise-grade fraud protection without massive infrastructure investment."

The fraud detection systems are built on Yiren Digital's MagiCube 2.0 multi-agent platform, which the company describes as common infrastructure for enterprise AI deployment across risk management and other business functions.

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