Yiren Digital Says AI Agents Are Cutting Manual Work in Its Recovery Operations
Yiren Digital's own investor disclosure says AI agents cut its asset-recovery human handling rate from 45.0% to 24.9%, self-reported and unaudited figures.
What Yiren Digital announced
Yiren Digital Ltd., a Beijing-based financial-technology and AI company listed on the NYSE, published a July 23 investor-relations disclosure describing efficiency gains from deploying AI agents across its core business functions. The announcement frames this as part of the company's All-in-AI strategy, a shift the company describes as moving from AI-assisted productivity toward what it calls agent-driven execution, powered by its in-house MagiCube 2.0 multi-agent platform.
The efficiency numbers Yiren Digital reports
According to the company's own disclosure, the human handling rate in its asset-recovery operations fell from 45.0% to 24.9%, a drop the company describes as a 20.1-percentage-point decline. Over the same period, the number of service tickets handled per asset-recovery staff member rose from 358 to 525. Yiren Digital also says AI agents accounted for 81% of service tickets within an early-stage asset-recovery workflow in 2025, up from 50% in 2024, though the company is careful to note that adoption rates at later workflow stages are calculated separately and should not be read as one continuous upward trend.
Why the framing matters
These are Yiren Digital's own, self-reported operating metrics, published in a press release rather than an independently audited filing. The company frames MagiCube 2.0 as common infrastructure reused across six enterprise functions, including marketing, customer service, capital operations, risk management, compliance, and research and development. In the same disclosure, Yiren Digital says its Fengchao AI voice agent processes about 1,500 hours of real-time speech-to-text activity every day, another self-reported figure the company has not had independently audited. Chairman and CEO Ning Tang is quoted saying the productivity gains are "becoming a structural part of how we run the business." Readers should treat the specific percentages as the company's characterization of its own systems, not as independently verified outcomes.
What Yiren Digital says comes next
Yiren Digital says it plans to keep expanding agent-driven workflows across its credit and insurance operations as part of its ongoing strategy, while strengthening the shared architecture and governance behind its AI deployments. The company frames these reusable capabilities as a foundation for further expansion into other application areas it is exploring, without providing independently audited figures for those future plans.
Key facts
- Yiren Digital reports its asset-recovery human handling rate fell from 45.0% to 24.9%.
- Tickets handled per asset-recovery staff member rose from 358 to 525, according to the company.
- AI agents accounted for 81% of service tickets in an early asset-recovery workflow in 2025, up from 50% in 2024.
- MagiCube 2.0 supports AI agents across six enterprise functions, per the company's disclosure.
- Yiren Digital's Fengchao AI voice agent reportedly processes about 1,500 hours of speech-to-text activity a day, per the same disclosure.
- These figures are self-reported by Yiren Digital and have not been independently audited.
Check your understanding
- What two figures does Yiren Digital report for its asset-recovery human handling rate?
- Why does the article caution that Yiren Digital's efficiency numbers should be read carefully?