X Cash.AI
Interest is calculated on a daily basis
With daily interest rates as low as $0.032*
We always believe any loan products should be designed with simplicity and helpfulness. Human approval gives bias results, ignoring important factors that could impact the approval result of a applicant.
X Wallet breaks the traditional way of lending using Machine Learning and data analysis to deliver an automated borrowing process in 3 easy steps.
8 Key Benefits
Zero Human Interference
A truly automated borrowing experience. The entire process from apply, contract signing to fund transfer can be completed without any manpower, just through the mobile app in Hong Kong.
Lightning Approval in Seconds
By using Machine Learning, it will be zero delay, and you will get the results within 5 seconds.
Zero Income Proof
X Wallet needs only your HKID for identity verification. No income proof is required, greatly improving the efficiency of borrowing.
24/7 Instant Funds
Once the loan contract is confirmed, the funds will be instantly transfer to your bank account by using the “FPS” system, solve your cash flow problems immediately.
Zero Branch Visits
The loan process is all done over the mobile phone conveniently. No branch visits are needed.
Flexible Loan Amount
The loan amount can be as low as $1,000^, the repayment period is also very flexible, there are no hidden charges, and no penalty for early repayment.
Withdrawal & Pay At Anytime
Borrowing and repayment with X Wallet Loan APP is no longer restricted by time and geographical area, helps you manage your budget through FPS repayment.
Transparency
Clear view of all your transactions updated in real-time on the APP.
Zero Human Interference
Lightning Approval in Seconds
Zero Income Proof
24/7 Instant Funds
Zero Branch Visits
Flexible Loan Amount
Withdraw & Repay Anytime
Transparency
^Only applicable to existing re-loan customers. Final approval is subject to the actual situation and financial condition of the customer.
Experience X Cash.AI
Machine Learning can improve the accuracy of each approval for future applicants as the machine learns about each applicant itself, making money more accessible to everyone.
Testimonial
LYNN
Self-employed
I owned a retail fashion store. Due to the deteriorating social environment, not only affect the income, but even the funds for purchasing goods became scarce. Because of the unstable income, it is impossible for me to apply for a loan at the bank. Sometimes I feel hesitant. As I saw the X Wallet advertisement on the Internet. It took about 15 minutes from downloading the APP to receiving the loan transfer notification. It really helped me a lot! For a loan of $15,000, the daily interest is only $3.6
, and there is no additional charge for early repayment.
*The monthly repayment amount is calculated based on the actual annual interest rate of 8%.
YVONNE
Clerk
Recently, my family needs some money for medical expenses, but I have called two finance companies that I am already a client to apply for extra loan amount but were rejected. Fortunately, a friend introduced me a loan app – X Wallet of Zero Finance. The entire loan application process takes only few minutes, the loan can be automatically transferred even on Sunday, repay as much as you used. The repayment method is also very convenient, and I will recommend it to more friends in need in the future.
*Final approval is subject to the actual situation and financial condition of the customer.
According to user Lynn’s sharing, briefly describe her loan information:
The shortest repayment period starts from 61 days and the longest is 48 months.
Effective annual interest rate: 8%
Interest rate: 0.67% monthly
Loan amount: $15,000
A 48-month installment loan with a monthly repayment: $50
Total repayment: $17,400
The above loan-related fees are for reference only
Actual annual interest rate is from 8% to 48% as maximum.
3
Steps
to financial freedom!
to financial freedom!
How to Apply:
Verify Identity
Open X Wallet, take a photo of Hong Kong ID card to verify your identity, and enter general personal information.
A.I. Instant Approval
Using Machine Learning and data analysis to give you an approval result as fast as 5 seconds.
Confirmation and fund transfer
Confirm the loan contract and fill-in bank information in app, then the fund will be transferred through FPS instantly to your bank account.
