Top Fintech Startups in China in 2025

In 2025, China’s fintech landscape is thriving like never before. As the world’s second-largest economy continues to embrace cutting-edge technology, the fintech sector stands at the forefront of digital transformation.

From digital payments to blockchain innovations, China’s fintech startups are pushing the boundaries of what’s possible, reshaping financial services not just in Asia but across the globe. With its rapidly evolving regulatory environment, vast consumer market and high-tech infrastructure, the country is a hotspot for innovation.

These startups are capitalising on the growing demand for smarter, more accessible financial solutions, offering everything from AI-driven wealth management to decentralised finance solutions. With the rise of digital currencies and the expansion of mobile banking, Chinese fintech is firmly planted at the intersection of technology, finance and consumer needs.

 

China’s Economy and the Fintech Industry’s Role In It

 

China’s economy, the world’s second-largest, is a unique fusion of rapid industrialisation, technological innovation and a massive consumer base. This economic powerhouse has paved the way for fintech to thrive, with the sector becoming an integral part of China’s financial infrastructure.

Unlike many other economies around the world, China leapfrogged traditional banking systems, rapidly adopting mobile payments, digital wallets and online lending platforms. With a tech-savvy population that embraces digital solutions, Chinese fintech startups have been able to scale quickly and provide services that were once unimaginable in the West.

The Chinese government has also been proactive in creating an environment conducive to fintech growth, implementing policies that promote digital finance while cautiously regulating risks. This synergy between economic growth and fintech innovation has not only streamlined financial services for millions but also spurred China’s global ambition to lead in the next-generation financial technologies, from blockchain to AI-driven wealth management.

 

Top 10 Fintechs in China in 2025 

 

Here are the top 10 fintech companies in China to keep an eye on in 2025.

 

Ant Finance Services

 

Ant Group, formerly known as Ant Financial, is a global leader in fintech and digital payments, best known for its Alipay platform. Alipay serves over a billion users, providing services ranging from mobile payments to wealth management, insurance and microloans.

By leveraging blockchain, big dataand AI, Ant has created a sophisticated ecosystem that empowers individuals and small businesses to access financial services. The company has played a pivotal role in China’s financial inclusion efforts, giving unbanked populations the ability to access credit and digital payment options. Ant’s influence is growing internationally, particularly in emerging markets, so the company’s future is looking incredibly bright.

 

Krypton Technology (CreditAI Copilot)

 

Krypton Technology’s flagship product, CreditAI Copilot, provides cutting-edge AI-driven credit scoring and risk assessment tools for banks and financial institutions. By analysing vast amounts of financial data, CreditAI Copilot automates the decision-making process, enabling faster and more accurate loan approvals.

Krypton’s technology uses machine learning to predict creditworthiness, detect fraudulent patterns, and optimise financial services. This startup has found success in enhancing operational efficiency, reducing human bias in lending decisions, and improving the customer experience. The company’s ability to simplify complex credit assessments while maintaining security and compliance has made it a valuable player in China’s fintech landscape.

 

 

Archforce Technology

 

Archforce Technology is at the forefront of AI-driven fraud detection and risk management in the fintech space. The company’s flagship technology helps financial institutions identify, analyse and mitigate risks in real-time, using deep learning and machine learning algorithms. By offering sophisticated fraud prevention tools, Archforce enables banks and payment systems to reduce the likelihood of fraud and financial crimes.

Archforce’s products can process vast amounts of transaction data quickly, identifying patterns and anomalies that humans might miss. This allows financial institutions to proactively prevent fraud, enhance security, and streamline their operations, making it a key player in fintech cybersecurity.

 

Beijing Ruikelun Intelligent Technology (Recurrent AI)

 

Beijing Ruikelun Intelligent Technology, under its brand Recurrent AI, is transforming credit risk assessment with its AI-powered platform. Recurrent AI automates the underwriting process, helping financial institutions assess loan applications more quickly and accurately. By integrating deep learning algorithms with historical financial data, the platform can predict creditworthiness with high precision, reducing the risk of default.

This solution is particularly beneficial for lenders who handle a high volume of loan applications, as it helps streamline operations, improve efficiency, and minimise human error. With growing demand for AI-driven financial tools, Recurrent AI is well-positioned to lead in the fintech space.

 

Shenzhen Magic Engine Artificial Intelligence (Magic Engine)

 

Magic Engine is a fintech startup specialising in AI-based solutions for wealth management. The company uses machine learning and big data analytics to help investors make more informed decisions in the stock market and other investment avenues. Magic Engine’s platform can analyse vast amounts of market data in real-time, offering investment strategies based on data-driven insights.

Whether catering to individual investors or institutions, the platform aims to optimise portfolio management and reduce risk exposure. With the Chinese financial sector increasingly relying on AI, Magic Engine is positioned to revolutionise wealth management by making it more accessible, personalised, and efficient.

 

Zhuhai Jinzhiwei Information Technology (Kingsware) 

 

Kingsware, a fintech company based in Zhuhai, specialises in blockchain solutions tailored to the financial industry. The company focuses on enhancing transparency, security, and operational efficiency for financial institutions by leveraging the decentralised power of blockchain technology. Kingsware’s solutions are designed to optimise digital transactions, improve contract execution, and ensure greater traceability in financial dealings.

As blockchain technology continues to gain traction globally, Kingsware is at the forefront of integrating it into China’s fintech ecosystem, helping companies reduce fraud, improve trustworthiness, and facilitate secure financial transactions across borders. Their solutions are well-suited to the evolving needs of fintech startups.

 

Samoyed Cloud Technology Group

 

Samoyed Cloud Technology Group offers cloud-based solutions that cater to the digital banking and fintech sectors. Their platform provides a range of services, including customer data management, digital transaction processing, and financial product offerings. Samoyed’s use of cloud computing and big data analytics enables financial institutions to optimise their operations, lower costs and deliver personalised services to customers.

The company’s solutions also integrate AI-driven insights, helping banks and startups better understand consumer behaviour and preferences. By facilitating seamless data integration and providing scalable solutions, Samoyed is helping drive the future of digital banking and fintech in China.

 

Lingshu Technology

 

Lingshu Technology is a fintech company using artificial intelligence to provide smarter investment solutions. The company’s AI algorithms are designed to analyse market trends, predict stock movements, and optimise investment portfolios based on real-time data. Lingshu’s platform helps investors (both retail and institutional) make better, data-driven decisions by offering precise insights and forecasting tools.

The company’s technology makes complex financial analysis accessible to a broader audience, allowing investors to tap into professional-grade strategies without needing extensive financial knowledge. With the increasing reliance on AI for predictive analytics, Lingshu is poised to play a key role in the fintech revolution.

 

MuRong Technology

 

MuRong Technology focuses on AI-driven fraud detection and risk management solutions. The company provides advanced tools to help financial institutions safeguard their operations against fraud, money laundering, and other financial crimes. MuRong’s technology uses machine learning to detect anomalies in transaction data and identify potential threats in real-time, ensuring a quicker response time.

By offering highly efficient fraud prevention mechanisms, MuRong helps banks, payment systems, and e-commerce platforms secure their systems while improving customer trust. With growing concerns around cybersecurity in fintech, MuRong’s solutions are integral to maintaining the integrity of digital financial services.

 

Ruizhi Technology (Wiseco Technology)

 

Wiseco Technology, also known as Ruizhi Technology, is a fintech startup that offers AI-based solutions to the consumer finance sector. The company’s platform uses machine learning and big data analytics to offer personalised financial services and products, helping users better manage their finances.

By analysing individual spending habits, income, and financial goals, Wiseco’s algorithms can recommend tailored financial products, such as loans or investment opportunities. The company also focuses on providing smarter credit scoring and more accurate loan approval processes. With a growing demand for personalised financial solutions, Wiseco is well-placed to lead the charge in the consumer finance space.