【Research Indicator】 Overseas and AI-related businesses are gradually entering the harvest period. This company has already provided clients with Digital RMB 2.0-related products.

People’s Finance News, April 7—Recently, the People’s Bank of China (PBOC) added 12 new digital renminbi business operation institutions. The total number of digital renminbi business operation institutions has expanded from the original 10 to 22, and the development of the digital renminbi ecosystem has entered a new stage. In securities firm strategy meetings and telephone conferences held recently, Uxin Technology (300674) said the company has directly provided customers with products related to Digital Renminbi 2.0, and the project has entered a substantive advancement stage.

The company said that, compared with the 1.0 era, which focused on payment interfaces and wallet opening, the 2.0 stage must reach underlying core accounting and ledger system transformation in banks—covering the restructuring of the accounting subject system, adjustments to liquidity management rules, and the re-adaptation of compliance risk control logic. This raises the bar for fintech companies’ understanding capabilities in asset-liability management and their experience in the architecture of regulatory reporting systems. Uxin Technology has a comprehensive product system and solutions capability in cross-border payments, and has already provided related services to multiple banks. In terms of ecosystem planning for cross-border payments, the company has, together with partners, explored the application of digital currency.

For AI business revenue, in 2025 the company achieved AI-related revenue of 200 million yuan, including AI hardware, AI software, and AI Agent-related businesses. The company rolled out a smart computing leasing service solution, and has successfully provided a “smart computing power + scenario services” offering to a bank in China. The company said it is building a super entry point for financial AI. Based on this secure and compliant cloud foundation, it deploys a series of out-of-the-box financial AI Agents, enabling the company to actively transition from traditional project-based software development and solution delivery to a service model of “platform subscription + pay-per-performance + compute power leasing.”

Institutional analysts said that Uxin Technology’s business structure has been optimized, and the pace of overseas commercialization and rollout has accelerated. They are optimistic about the company’s strategic positioning within the ecosystem and the incremental opportunities brought by Digital Renminbi 2.0.