Yiren Digital (YRD.US) releases 2025 Q4 and full-year financial report: AI strategy fully advancing, innovation momentum continues to rise

报告显示，公司全年业务在AI技术深度赋能与合规稳健经营双轮驱动下，资产质量稳步优化，以智语大模型与魔方AI智能体平台为核心的技术体系全面落地，成功构建起竞争优势，彰显出AI企业的强劲增长韧性。The report shows that throughout the year, the company's business was driven by the deep empowerment of AI technology and compliant, stable operations, resulting in steady optimization of asset quality. With the Zhiyu large language model and the Mofang AI intelligent platform as the core of its technical system, the company has fully implemented these technologies, successfully building a competitive advantage and demonstrating the strong growth resilience of an AI enterprise.