Zero Finance is a financial technology company aimed to provide to the public a zero limit, zero wait, and zero pain financial service. Founded in 2014, Zero Finance focuses on inclusive finance and wealth management businesses. Hero Product - X Wallet X Wallet breaks the traditional way of lending using Machine Learning and data analysis to deliver an automated loan approval result in 15 seconds. Users will only need open X Wallet mobile app to verify their identity with the HKID card and enter general personal information to get the loan approval result, the fund will be transferred through FPS instantly to the bank account after the loan contract is confirmed, the whole process will be within minutes.