X Wallet: X Cash.AI & X Pay 12.1

The X Wallet has undergone a comprehensive upgrade, introducing two significant features: X Lend (loan) and X Pay (payment).

X Lend is tailored to meet a range of financial needs with several products. The "X Cash.AI" feature ensures a swift approval process, taking just 5 seconds, allowing users to access funds without delay. Additionally, the "X Loan" provides the flexibility of a repayment period of up to 72 months, facilitating financial planning and personal aspirations. For those looking to consolidate their debts, the "X Debt Consolidation Loan" offers amounts up to 25 times your monthly salary, streamlining the process of settling various credit obligations.

On the payment side, X Pay introduces a "Buy Now, Pay Later" option that allows consumers to make purchases in three simple steps: (1) register as an X Pay member, (2) link a credit or debit card, and (3) scan a QR code to divide the payment into three interest-free installments. The app also boasts partnerships with various merchants across Hong Kong, enabling users to accumulate rewards with each transaction. Notably, installment payments can reach up to $5,000 over three months without incurring additional charges.

As part of its welcome offer, X Wallet extends different promotions for both X Lend and X Pay to new customers who enter a designated code. Further details are available on the Zero Finance website and the X Pay website.

Highlighted features of X Cash.AI include:

• Instant loan approval in just 5 seconds.
• 24/7 transfers and repayments through FPS once the loan contract is confirmed.
• The simplicity of applying with only an HKID card and bank account number required; no additional income proof or documents needed.
• A revolving loan option that offers continuous access to an approved credit line, with daily interest starting as low as $0.22 and flexible amounts beginning at $1,000.

X Loan features large loan amounts with favorable terms:

• Repayment periods extending up to 72 months.
• Interest rates starting as low as 5%.

X Debt Consolidation Loan benefits include:

• Repayment periods up to 72 months.
• Low interest rates beginning at 8%.

X Pay offers:

• The ability to scan a merchant’s QR code and split purchases into three interest-free installments.
• No autopay charges or hidden fees.

For illustration purposes, a sample loan scenario is provided below:

Loan amount: $15,000
Daily interest: $3.3
Tenor: 24 months; monthly repayment at $102
Monthly interest rate: 0.67%
Annual Percentage Rate: 8%
Total repayment amount: $17,400

X Wallet operates under the brand of "Zero Finance Hong Kong Co., Ltd." which is a subsidiary of “Termbray Industries International (Holdings) Limited” (Stock Code:0093). The final decision regarding loan approvals is reserved by "Zero Finance Hong Kong Limited."

Please note that the minimum repayment period is 61 days and the maximum is 72 months. The highest Annual Percentage Rate (APR) reaches up to 48%.

Please remember that loan repayments are mandatory. Avoid paying intermediaries.

Money Lender's License No.: 0954/2024
Enquiry & Complaint 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)