X Wallet- A.I. Loan & BNPL APP

X Wallet has undergone a full upgrade, introducing two significant functions: X Lend for loans and X Pay for payments.

• X Lend offers a diverse range of financial products tailored to meet your needs conveniently. "X Cash.AI" boasts a swift 5-second approval process, ensuring prompt access to the funds you require. For added flexibility, "X Loan" extends a repayment period of up to 72 months, empowering you to realize your aspirations and manage your financial obligations effectively. Looking to consolidate debts? "X Debt Consolidation Loan" allows borrowing of up to 25 times your monthly salary, enabling seamless settlement of all outstanding credit card bills and loan balances in one go.
• X Pay's "Buy Now, Pay Later" feature grants you the flexibility to pay in installments in just three steps: (1) register as an X Pay member, (2) link your credit or debit card, and (3) scan the QR code to effortlessly split your payment into three interest-free installments.
• Enjoy a multitude of merchant offers and exclusive deals across Hong Kong with X Pay, allowing you to earn rewards while making payments. The entire process is seamlessly integrated within the app, offering installment amounts of up to $5,000 spread over three months with no additional fees.

Embark on a new financial journey with X Wallet today and unlock a world of opportunities.

X Wallet Welcome Offer:

X Lend and X Pay present unique promotions for our esteemed customers. New users can avail of the welcome offer by entering the designated code. For more information, please visit the Zero Finance website (Zero Finance) and the X Pay Website (X Pay).

X Cash.AI Features:

• 5-second A.I. approval providing instant loan results.
• 24x7 instant transfer and repayment via FPS for immediate cash deposits into your Hong Kong bank account upon contract confirmation**.
• Simplified application process requiring only an HKID card and bank account number; no income proof or supporting documents necessary.
• Revolving Loan feature grants access to an unlimited credit line post-application approval for daily interest rates as low as $0.22 and a flexible loan amount starting from $1,000^.

X Loan (Large Loan Amount) Features:

• Repayment period extended up to 72 months.
• Competitive low-interest rates starting from 5%.

X Debt Consolidation Loan Features:

• Maximum repayment period of 72 months offered.
• Attractive low-interest rates beginning from 8%.

X Pay Features:

• Split purchases into three interest-free installments by scanning the merchant's QR code.
• No hidden fees or charges with autopay functionality.

^ Applicable solely to existing loan customers.*Approval subject to customer's financial status.

Total Loan Cost Example (for reference only):

• Loan Amount: $15,000
• Daily Interest: $3.3
• Tenor: 24 months with monthly repayment of $102
• Monthly Interest Rate: 0.67%
• Annual Percentage Rate: 8%
• Total Repayment Amount: $17,400

X Wallet - The first A.I. Express Revolving Loan and Buy Now Pay Later App in Hong Kong is under the umbrella brand 'Zero Finance Hong Kong Co., Ltd.,' a wholly-owned subsidiary of 'Termbray Industries International (Holdings) Limited' (Stock Code: 0093). 'Zero Finance Hong Kong Limited' reserves the right for final loan approval decisions.*The minimum repayment period is 61 days, while the maximum is 72 months; highest APR capped at 48%.*For loan repayment inquiries or complaints, please contact hotline: 2531 0333.
Office address | Loan services: Unit 201, 2/F, Kwong Fat Hong Building, No.1 Rumsey Street, Sheung Wan, Hong Kong. (Sheung Wan MTR - Exit E2)