China's first auto finance AI smart all-in-one machine unveiled at WAIC Yi Xin (02858) to promote the inclusion of fintech to the public

When applying for a car installment, you have to prepare a bunch of paper materials. Not to mention how long it takes; if you accidentally bring one less, you have to take another trip; after submitting an application, you don't know when you can complete the approval and loan; you can only keep questioning the financial adviser; leave your personal documents to others, and there are concerns about private information being leaked?

Yi Xin launched the first AI intelligent all-in-one car finance machine in China

Various problems in the auto finance service process now have new solutions with the support of AI. At the “2026 World Artificial Intelligence Conference” (WAIC 2026), which opened in Shanghai today (July 17), Yixin (02858), an AI-driven fintech platform, officially launched the first AI smart machine for automotive finance in China. The product implements a full-link one-stop AI intelligent solution as a tactile physical terminal. Under the guidance of an intelligent digital person, consumers can self-process auto finance business applications. Generally, the operation time required of 90 minutes or more is drastically reduced to 15-20 minutes, bringing a more efficient, secure, and compliant service experience.

From 90 minutes to as short as 15 minutes: AI makes self-service auto finance “so easy”

At the WAIC conference, as soon as Yi Xin, an AI smart all-in-one machine that completely disrupted the offline processing model of auto finance, was unveiled, it attracted many professional visitors to stop and experience. According to field staff, under the full anthropomorphic guidance of AI intelligent digital humans, users can independently operate on an integrated machine to complete all business aspects such as pre-review, information collection, card repayment, and contract signing without relying on a manual consultant. The fully visual operation guidelines have greatly reduced the usage threshold. The processing process, which originally required manual connection and took about 90 minutes, can now be reduced to 15 to 20 minutes, and the efficiency improvement is remarkable.

Behind the efficient experience, Yixin's full-link self-developed one-stop AI intelligent solution provides core support. According to reports, Yi Xin has continued to promote the application of AI in risk control and business since 2018. In recent years, large models and intelligent technology have been deployed more comprehensively to accelerate the deep integration of AI and business. Focusing on the self-developed Agentic model, its intelligent capabilities have fully covered all business processes such as intelligent calling, pre-review, risk control, customer service, asset management and quality inspection, and implemented on a large scale, enabling AI Native processes driven by intelligent devices. “After the user submits the data and selects the model on the integrated aircraft, the Agentic large model will automatically dispatch multiple agents to complete data analysis, driver license recognition, and vehicle evaluation, generate pre-review results, and feed back to the user. The entire process is carried out independently and collaboratively by agents, and end-to-end business circulation can be completed without manual intervention.”

WAIC2026-Yixin booth

By the end of May 2026, the Yixin AI platform had accumulated more than 125 million calls. At this stage, autonomous smart devices account for 65% of the business delivery business, the business conversion rate has increased by more than 20%, and the overall operating efficiency has increased by more than 100%. Among them, Yixin's industry-leading intelligent risk control system can achieve fully automatic and efficient approval. The average approval time is only 8 seconds, which is the core guarantee for speeding up the whole process.

From manual handling to Harness escort: compliance systems establish a secure bottom line

For a long time, lengthy processes, complicated decisions, user privacy concerns, and high security compliance requirements have always been a pain point in the traditional auto finance industry. With the launch of AI smart all-in-one computers, in addition to breakthroughs in efficiency, service flexibility and security compliance have also been greatly upgraded. The device supports 7×24 hours of uninterrupted service. Users can scan the code to synchronize the process to the mobile terminal, and can check the processing progress of the entire business link at any time, completely breaking the service time and space limitations of traditional offline stores. More importantly, the all-in-one machine uses a self-service terminal upload mode. There is no need for third party personnel to handle the user's sensitive document information throughout the process, eliminating the risk of information leakage at the source, and truly integrating safety, transparency and efficiency.

Not only is the front-end experience safe and controllable, but in the back office of an integrated machine, the operation of AI intelligent solutions also emphasizes a high degree of compliance. Jia Zhifeng, Chief Technology Officer of Yixin, said, “In the financial sector, ensuring the safety and compliance of the big model is not the 'icing on the cake', but the bottom line and necessity of the business.” In 2026, Yi Xin has formed its own Harness governance system. Under its self-developed Harness framework, agents and humans can seamlessly switch in real time in the same order flow; when the model “hallucinates” or violates promises, the system can trigger fusing and control strategies in milliseconds and switch to an artificial link to ensure compliant operation of the business. “AI applications in the financial vertical industry require not only an Agentic model to release efficiency momentum, but also a perfect Harness governance system as a guarantee of compliance.”

Demonstration and communication in front of AI smart all-in-one

From piloting first to expanding coverage: digital intelligence achievements empower industrial upgrading

At present, Yixin Auto Finance's AI smart all-in-one machine has been put into operation in some domestic NEV stores, and the implementation results have been remarkable. According to initial operating data as of June 30, after the equipment was put into use, the overall business processing timeliness was more than 50% ahead of industry standards, the self-service processing completion rate exceeded 95%, and service efficiency and user experience were simultaneously improved.

Real feedback from frontline operators and car owners confirms the value of implementing integrated machines. The sales manager surnamed Li of a car company store said, “In the past, customers had to visit the store to accompany them throughout the installment process, and the number of receptions per day was limited. Now that they have an integrated machine, most customers can operate the application themselves, and processing efficiency has improved markedly.” The car owner, Mr. Chen, shared, “I did the whole process by myself; I didn't need to hand over my documents to others. I feel much more at ease. Also, as soon as I went, I completed the installment procedure on the same day and picked up the car on the same day.”

According to reports, Yi Xin will accelerate the promotion of automotive finance AI smart all-in-one machines, gradually penetrating into various scenarios such as 4S stores, used car markets, and county outlets to break down service barriers in the sinking market; in the future, AI smart all-in-one computers will also be used as Yixin AI's core hardware terminals, open to financial institutions within the “Xinchetong” ecosystem to help the whole industry develop together; in addition, Yi Xin will continue to promote a global layout, export automotive financial technology innovation achievements, including all-in-one machines, to overseas markets, and use Chinese technology to empower the digital and intelligent upgrading of the global auto finance industry.

“In the field of fintech, most of AI's capabilities are 'hidden' in the background. Users cannot see or touch it, making it difficult to intuitively sense the actual value brought by technology.” Jia Zhifeng said that the release of an AI smart all-in-one machine for auto finance “externalizes” a mature back-office full-stack AI solution into an instant service that users can intuitively experience, and is a landmark point in the transformation of Yi Xin's AI application from “back-office empowerment” to “front desk innovation.” “The AI smart all-in-one machine enabled Yi Xin's Agentic AI ability, which was originally hidden in the background, to reach the user front desk for the first time in the form of a physical terminal, making AI move from 'usable' to 'visible, sensible, and trust', truly making technology inclusive to the public.”