Announcement • Aug 13
Yiren Digital Announces AI-Enabled Fraud Detection Framework And Launches Hawkeye And DiTing Systems
Yiren Digital announced that its AI-powered fraud detection systems intercepted 10,300 fraudulent borrowers across 14,500 cases in 2025, helping avoid RMB 165 million (USD 23 million) in fraud-related losses and demonstrating how enterprise AI can strengthen credit-risk management through AI-led fraud detection and intelligent decision-making. As part of its broader "All-in-AI" strategy, Yiren Digital has established a proactive AI risk management framework spanning pre-loan, in-loan and post-loan processes. The framework combines the Company's Hawkeye fraud detection system, the DiTing intelligent decision-making platform, risk models, data analysis and specialist review to identify suspicious activity, improve underwriting quality and support timely intervention. Yiren Digital uses a monitoring-analysis-response-review process to track asset quality, compliance dynamics and other risk indicators, trigger warnings when specified thresholds are reached, and coordinate responses across risk control, legal and other functions, supporting more proactive portfolio risk management. Its proprietary DiTing system applies AI models to analyze multidimensional information, including credit reports, user behavior and other authorized data, supporting fraud identification, refined credit-risk assessment and more consistent credit decisions. Hawkeye uses accumulated fraud cases and structured feedback to update screening rules and strengthen future detection. In 2025, the Company intercepted 10,300 fraudulent borrowers across 14,500 cases, helping avoid RMB 165 million (USD 23 million) in losses. As of the end of 2025, the Company's proprietary 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 associated with black-market operations. DiTing supports AI-driven risk decisions with daily capacity to screen approximately 30,000 potentially risky credentials. Related document and identity-verification tools identify approximately 1,500 counterfeit documents and more than 1,000 video-fraud cases each day. Hawkeye analyzes fraud-risk events using historical cases, risk-assessment results and algorithmic rules, and generates virtual work orders for fraud detection specialists. Automated identification is combined with human review to support consistent, reviewable decisions in higher-risk cases. The Company's fraud detection capabilities are built on its proprietary enterprise AI architecture, including the MagiCube 2.0 multi-agent platform, which provides common infrastructure for enterprise AI deployment across risk management and other core business functions, allowing proven AI capabilities to be deployed more efficiently across the organization. These production AI deployments illustrate how Yiren Digital is applying enterprise AI beyond workflow automation to strengthen credit-risk management, improve fraud detection, enhance credit decision-making and help reduce potential fraud-related losses across regulated financial services.
