Best Banking Tech Companies in China
The 134 best Banking Tech companies in China in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: WeLab.
China's Banking Tech sector is moving fast, and if you want to know where the funding actually landed, this directory tracks 134 companies with $3.9B in total disclosed equity, ranked by capital raised and recent momentum. WeLab sits at the top with $1.5B, a figure that almost single-handedly explains the sector's center of gravity. Five unicorns have emerged from that pool, backed by names like IDG Capital, Zhen Fund, and CDH.
The global market for banking tech sits at roughly $9.5B in 2025 and is forecast to reach $17.0B by 2035, a 13.7% CAGR that's hard to ignore. Median app install growth across 953 banking and investment banking apps is running at roughly +23% YoY, which tells you adoption isn't slowing down. As shown in 2022 research, data is increasingly treated as a core asset rather than a byproduct, and that's reshaping how Chinese firms like IceKredit ($159M) and AiBee ($175M) position themselves. I'd also flag that blockchain and tokenization are accelerating inside this sector right now. Stringent data privacy regulations add friction, but they're also raising the bar for who can compete.
- IDC
Our analysis of 50 Banking Tech companies
$7.7b in tracked funding; 98% of the stack-profiled cohort runs cloud-native; funding activity peaked in 2025.
Ranked: Best Banking Tech companies in China
| # | Company | Disclosed funding | Last round | Employees | Founded | Founder | Tech stack | Patents & IP focus | Recent signals |
|---|---|---|---|---|---|---|---|---|---|
| 1 | WeLab 🦄 Online marketplace for financial products 78Funding top 12%Moat top 26%Growth top 35%Market top 38% All 10 signals ▾Fundingtop 12% Moattop 26% Growthtop 35% Markettop 38% Techtop 40% Newstop 41% Producttop 41% AItop 45% Talentbottom 49% Globalbottom 48% Funding: Raised $1.5B across 9 rounds · 9 rounds over 11 yrs (0.8/yr) Moat: Editorial + unicorn rating 9/10 · Unicorn rank vs industry peers · Fliar Intelligence Index 78/100 | $1.5B | 5 mo ago | 800 | 2013 | Simon Loong Founder & Group CEO | WagtailApple iCloud MailMicrosoft 365+20 | — | — |
| 2 | WeBank 🦄 Provider of digital bank for individuals and businesses | $450M | 124 mo ago | 150 | 2014 | David Ku CEO | NginxOpenRestyVue.js+4 | 536 patents Patents concentrated in computing, sensing & instrumentation | — |
| 3 | Bairong Yunchuang 🦄 Risk management and marketing solutions for the financial services industry | $267M | 98 mo ago | 1,364 | 2014 | Angela Chang Founder | — | — | — |
| 4 | Tongdun Technology 🦄 Provider of AI-powered decision intelligence platform for risk and security management | $246M | 83 mo ago | 435 | 2013 | Bryan Zhang Co-Founder | — | — | — |
| 5 | AiBee 🦄 Provider of voice recognition, language understanding, and data analysis services | $175M | 51 mo ago | 20 | 2014 | — | — | — | — |
| 6 | PayEgis Big data security solutions and tools | $165M | 121 mo ago | — | 2000 | Dejia Wang Founder & CEO | — | — | — |
| 7 | IceKredit Credit assessment solutions for financial institutions | $159M | 62 mo ago | 277 | 2015 | — | — | — | — |
| 8 | AlloyX Provider of stablecoin payment infrastructure, digital asset custody, and tokenization services 72Funding top 21%Talent top 23%Global top 45% All 3 signals ▾Fundingtop 21% Talenttop 23% Globaltop 45% Funding: Raised $112M across 3 rounds · 3 rounds over 3 yrs (1.0/yr) Talent: 5 named leaders on record · 5 C-suite/founder profiles curated rank vs industry peers · Fliar Intelligence Index 72/100 | $112M | 4 mo ago | — | 2012 | Thomas Zhu Co-Founder and Chief Executive Officer | — | — | 8 job openings · 1 award |
| 9 | Wiseco Credit assessment solutions | $109M | 84 mo ago | — | 2014 | Chen Jian Co-Founder | — | — | — |
| 10 | WeShare Private market deal management solutions | $90M | 92 mo ago | 100 | 2017 | Zuo Lesi Founder & Chairman | — | — | — |
| 11 | Dimeng Network Technology Loan life cycle management platforms for banks | $79M | 130 mo ago | — | 2005 | Xiang Yu Founder & CEO | — | — | — |
| 12 | China Chengxin Credit Credit assessment solution for banks and financial institutions | $71M | 96 mo ago | — | 2005 | MAO Zhenhua Founder | — | — | — |
| 13 | Sunline Software solutions for the financial institutions | $63M | 97 mo ago | — | 2002 | — | PHPNginxSwiper+2 | — | — |
| 14 | MoneyHero Online comparison platform for life and non-life insurances | $50M | 102 mo ago | 250 | 2012 | — | TurbopackSentryNode.js+32 | — | — |
| 15 | Business Big Data Big Data Solution for the Finance Industry | $49M | 101 mo ago | 850 | 2013 | — | — | — | — |
| 16 | Bicai Comparison platform for financial products | $38M | 73 mo ago | 100 | 2016 | Ben Shuo CEO | — | — | — |
| 17 | KnowLeGene Business credit rating platform | $32M | 75 mo ago | — | 2016 | Ren Liang Founder & CEO | — | — | — |
| 18 | DeepFinance Software for loan lifecycle management | $31M | 55 mo ago | 350 | 2011 | — | — | — | — |
| 19 | Huian Jinke Technology Provider of artificial intelligence and big data analytics services | $30M | 63 mo ago | 62 | — | Yellow Bell Co-Founder & CEO | — | — | — |
| 20 | Beijing Interconnection Zhongxin Technology Financial asset management & loan servicing solutions | $29M | 94 mo ago | 69 | 2014 | Hai Ye Founder | — | — | — |
| 21 | Neat Interent first bank | $16M | 74 mo ago | 40 | 2015 | George Cotsikis Co-Founder | — | — | — |
| 22 | Flying Tiger Interactive Technology Communication solutions for financial institutions | $16M | 55 mo ago | — | 2016 | Shi Haidong CEO | — | — | — |
| 23 | Mingxinsk Provider of credit risk management solutions utilizing advanced technologies 27Funding top 38%Talent bottom 49%Market bottom 37%Global bottom 36% All 4 signals ▾Fundingtop 38% Talentbottom 49% Marketbottom 37% Globalbottom 36% Funding: Raised $15.5M across 2 rounds · 2 rounds over 5 yrs (0.4/yr) Talent: 1 named leader on record · 1 C-suite/founder profile curated rank vs industry peers · Fliar Intelligence Index 27/100 | $16M | 17 mo ago | — | 2017 | Zeng Weijia Founder & CEO | — | — | — |
| 24 | Shenzhen Tengyin Information Consulting Banking software suite for banks & financial institutions | $15M | 63 mo ago | 300 | 2019 | — | — | — | — |
| 25 | Juxinli Platofrm that provides intelligent risk control solutions | $15M | 108 mo ago | — | 2013 | Hao Luo Founder & CEO | — | — | — |
| 26 | Shanghai Fortune Technology Multi-party computing and AI-based financial technology solutions | $14M | 59 mo ago | 150 | 2016 | — | — | — | — |
| 27 | Dachuizichan Big data-based bad asset disposal trading platform | $12M | 99 mo ago | 1,000 | 2016 | Jiang Wei CEO | — | — | — |
| 28 | ZOLOZ Platform offering AI-based software for user identity verification | $10M | 132 mo ago | 8 | 2012 | — | Node.jsJavaSpring+7 | — | — |
| 29 | Points Blockchain-based credit data marketplace | $10M | 51 mo ago | 100 | 2017 | Kate Shen Co-Founder | — | — | — |
| 30 | AMP Credit Technologies Provides a credit scoring and loan servicing platform. | $5M | 134 mo ago | 72 | 2009 | — | — | — | — |
| 31 | Alpha Elephant Software solutions for the financial services industry | $4M | 94 mo ago | — | 2017 | Zou Jialing Founder | — | — | — |
| 32 | Huilianjk Technology solutions to banks for improving efficiency | $4M | 111 mo ago | 80 | 2015 | — | — | — | — |
| 33 | YPCredit Credit info and services provider using big data | $2M | 128 mo ago | — | 2015 | Li Wenxian CEO | — | — | — |
| 34 | Finverse Open banking API solutions for banks & financial institutions | $2M | 55 mo ago | 10 | 2020 | Stephane Lesaffre Founder | Framer SitesReactHubSpot+13 | — | — |
| 35 | 51zhupai Internet-first asset auction platform for lenders | $2M | 119 mo ago | — | 2010 | Sigurd Xu Founder | — | — | — |
| 36 | VoiceAI Technologies Provider of AI-powered voiceprint recognition solutions for enterprises | $1M | 68 mo ago | 13 | 2016 | Kevin Li Co-Founder & CEO | — | 4 patents Voice-based authentication and speech processing for secure device control | — |
| 37 | Coevolved Developer of a copilot system for loan origination processes 57Funding top 45%Talent top 45%Global bottom 48% All 3 signals ▾Fundingtop 45% Talenttop 45% Globalbottom 48% Funding: Raised $500k across 1 rounds · 1 rounds over 1 yrs (1.0/yr) Talent: 2 named leaders on record rank vs industry peers · Fliar Intelligence Index 57/100 | $500K | 5 mo ago | — | 2025 | Athan Zhang Co-Founder & CEO | — | — | — |
Top 12 Banking Tech companies in China
#1
WeLab 🦄Series D · Hong Kong, Hong Kong · founded 2013 · 800 employees$1.5Braised▾
WeLab provides an online platform for financial products. It uses machine learning, big data technologies, and unstructured data to deliver a risk management solution and customer experience. It offers loans such as personal loans, home loans, microloans, and more. It offers product such as WeLend for digital lending, WeLab Bank for digital banking, and more.
- Jan 2026Series D$220M
- Jan 2026Conventional Debt—
- Apr 2025Series D—
- Oct 2023Conventional Debt$260M
#2
Acquired · Hong Kong, Hong Kong · founded 2012$112Mraised▾
Provider of stablecoin payment infrastructure, digital asset custody, and tokenization services. The company delivers fiat-to-stablecoin solutions, embedded wallets, and multi-chain infrastructure. It supports payments, custody, settlement, investment, and asset tokenization. The platform facilitates sending and receiving stablecoin payments, currency exchange, and integration of crypto payments. It also offers real world asset tokenization.
- Feb 2026Post IPO$100M
- Dec 2024Seed$10M
- Jun 2023Seed$2M
#3
Series B · Shenzhen, Guangdong Province · founded 2017$15.5Mraised▾
Provider of credit risk management solutions utilizing advanced technologies. It is a provider of credit risk management solutions, leveraging industry-leading technologies such as IoT, blockchain, and AI to offer a comprehensive platform for industrial internet and small enterprises. The companys platform aims to build a perfect industrial operating evaluation system and inclusive financial service management platform.
- Jan 2025Series B$27.4M
- Apr 2023Series A—
- Sep 2021Series A$15.5M
#4
Seed · Hangzhou, Zhejiang Sheng · founded 2025$500Kraised▾
Developer of a copilot system for loan origination processes. The system guides borrowers through loan applications and automates document collection. It connects to underwriting tools and data providers, enabling loan officers to verify borrowers. The system aims to move loans faster with less manual work.
- Jan 2026Seed$500K
#5
AiBee 🦄Series B · Haidian, Beijing · founded 2014 · 20 employees$175.4Mraised▾
Provider of voice recognition, language understanding, and data analysis services. The platform leverages AI to analyze customer data, providing insights that support businesses understand their customers. Its marketing automation tools leverage AI algorithms to optimize marketing campaigns, and CRM systems automate tasks, personalize customer interactions, and streamline communication processes.
- Mar 2022Series B—
- Apr 2021Series A—
- Dec 2019Series A$74M
- Nov 2018Series A$60M
#6
Series C · Shanghai, Shanghai · founded 2015 · 277 employees$158.5Mraised▾
IceKredit provides alternate credit assessment solutions for financial institutions. It uses machine learning and big data technologies to assess the credit level of individuals and SMEs. It provides credit models built upon the loan data from various financial institutions and other related data sources. It is used by financial institutions to evaluate credit of businesses and consumers.
- Apr 2021Series C$34.8M
- Nov 2020Series C$33M
- Sep 2019Series B$46.9M
- Apr 2018Series A$25M
#7
Series D · Hangzhou, Zhejiang · founded 2013 · 435 employees$246.4Mraised▾
Provider of AI-powered decision intelligence platform for risk and security management. The platform focuses on financial risk, security risk, and government governance risk. It offers solutions for industries including finance, internet, and transportation. The company provides data processing and standardized indicator systems.
- Jun 2019Series D—
- Apr 2019Series D$100M
- Oct 2017Series C$72.8M
- Apr 2016Series B$32M
#8
WeBank 🦄Series D · Shenzhen, Guangdong Province · founded 2014 · 150 employees$450Mraised▾
Provider of digital bank for individuals and businesses. It provides users with a platfrom that offers services such as savings and current accounts, money transfers, cash withdrawals, consumer and business loans, and more. It also provides tools for expense management.
- Jan 2016Series D$450M
#9
Public · Chaoyang, Beijing · founded 2014 · 1364 employees$267.2Mraised▾
Risk management and marketing solutions for the financial services industry. It offers solutions based on artificial intelligence, big data, and cloud computing technologies. It offers a risk management solution for banks and lenders that provide features such as precision marketing, credit risk assessment, fraud risk identification, loan monitoring, post loan management, and risk management. Also offers risk management and marketing solutions for the insurance industry.
- Apr 2018Series C$159.4M
- Jan 2016Series B$107.8M
#10
Series B · Beijing, Beijing · founded 2000$165.3Mraised▾
Big data security solutions and tools. It provides three different solutions such as CyberIntelli, Shikongma, and Appfortify. CyberIntelli is an anti-fraud solution that is used for banks, P2P loan platforms, insurance companies, and more. Shikongma performs risk factor authentication using risk indicators, machine learning, and analysis of user behavior. Appfortify is an enterprise-focused mobile security cloud application platform that performs application testing and monitoring.
- Apr 2016Series B$162M
- Aug 2012Series A$3.3M
- Nov 2011Angel—
#11
Series A · Beijing, Beijing · founded 2014$108.8Mraised▾
Wise Technology provides credit assessment solutions based on big data, artificial intelligence and cloud computing technologies. It utilizes call behaviour, location behaviour, mobile application behaviour, and more to predict the level of fraud risk. Financial institutions can develop credit strategies and optimize collection operations using the borrower's information through the development of intelligent models and strategies.
- May 2019Series A$94.1M
- Jul 2018Seed$14.7M
#12
Series B · Shenzhen, Guangdong Province · founded 2017 · 100 employees$90Mraised▾
We Share Holding provides private funds deal management solutions for financial institutions. It features solutions for lead generation, online marketing, customer management, risk monitoring, fundraising, deal management, and more.
- Oct 2018Series B$90M
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Banking Tech coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
How research on Fintech is moving in China
A read on the academic research around Fintech — which themes are gaining ground, the institutions and researchers driving them, and how the tone is shifting. Based on 510 China-affiliated papers.
- Institute of Finance and Banking17
- Anhui University of Finance and Economics12
- Peking University9
- Central University of Finance and Economics9
- Guangdong University Of Finances and Economics8
- Financial services7
- Credit risk7
- Big data5
- Financial transaction5
- Database transaction5
- Financial services4→85
- Payment2→28
- Financial inclusion1→27
- China3→28
- Financial innovation1→21
- Financial services5→68
- China2→21
- Financial innovation3→20
- Financial inclusion1→11
- Corporate governance1→11
Where fintech is researched across China
Location clusters by institution affiliation — each city's volume, stance tone, and a quick read on its hot topic, what's advancing, the opening opportunity, and the main concern.
Who's filing fintech patents in China
China fintech patent filing is steady — 1 filings from 1 assignees (2021–2021), led by Twenzhou Business College; annual filings 1→1.
- Twenzhou Business College1
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.