Caixin: Multiple lending platforms see a decline in Q4 disbursement volume and profits, with some seeking investment in “crypto” as a second growth track.

2026-04-06 18:40:13

ChainCatcher message, according to a report by Caixin.com. With the formal implementation of new regulations for loan facilitation and the simultaneous slowdown in consumer credit demand, in the fourth quarter of 2025, multiple consumer-loan and loan-facilitation platforms showed a consistent pattern: year-on-year revenue and loan-disbursement volumes declined, and net profit fell sharply.

As the loan-facilitation business enters a period of reduced volume, each platform is looking for a “second growth curve,” such as “going overseas” and investing in “the crypto space.” It is reported that platforms including Lexin and Yiren Zhike have already rolled out overseas businesses. Southeast Asia and Latin America have become the primary battlegrounds, and Weixin Jinke has continued to invest in the blockchain industry over the past two years.

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