Once upon a time, our founding team found that the traditional lending process was complicated and the threshold was high, and many people were blocked from financial services because of a form or a certificate. So, we came up with an idea: use technology to make credit simpler.

From the initial team of a few people to serving many users today, we always believe that finance should not be the privilege of a few people. Through big data risk control and intelligent algorithms, we make credit assessment more accurate and the approval process faster. Whether it's a late-night office worker in need of cash, or an ordinary person in urgent need of funds, you can get help quickly on our app.

Every time the user's "second to account" is the driving force for us to move forward. In the future, we will let more people enjoy convenient and transparent credit services.

In the era of rapid development of Internet finance, we see opportunities and responsibilities. Many users are full of doubts about online loans: will my information be leaked? Will there be traps in the interest rate?

Therefore, from day one, we have engraved "security and transparency" into our DNA. We use bank-level data encryption, strictly follow compliance requirements, and have clear contract terms. What makes us even more proud is that we have set up a professional risk control team, and every loan is rigorously evaluated to protect users from over-indebtedness and to ensure the sound operation of the platform.

Nowadays, when old users recommend their new friends, they say, "Don't worry about using this one", which is our greatest sense of achievement. Safety is not a slogan, but our daily practice.

I remember a user who used our app to borrow his first 5,000 pesos for vocational training when he first graduated. Three years later, he opened the app again, this time to apply for a wedding emergency payment. Watching his credit limit rise from a few thousand to tens of thousands, we learnt the hard way that credit shouldn't just be a blessing in disguise, it should be the icing on the cake.

We continue to optimise our products, not only providing funds, but also offering credit management advice. Because we understand that every loan is related to the future of the user. Now, when we see user reviews that say, "I have borrowed here three times, and each time it went better than the last," we know that this is the temperature that technology-based finance should have.

Accompanying users through different stages of their lives and witnessing their transformation are the stories we cherish most.