X Wallet: X Cash.AI & X Pay

X Wallet is now fully upgraded with 2 major functions: X Lend (loan) and X Pay (payment).


X Lend offers a range of products designed to meet your financial needs conveniently. "X Cash.AI" provides a quick 5-second approval process, ensuring you get the funds you require without any delays. For more flexibility, "X Loan" offers a repayment period of up to 72 months, allowing you to achieve your dreams and take care of your financial needs. Need to consolidate your debts? "X Debt Consolidation Loan" provides a loan amount that is up to 25 times your monthly salary, enabling you to easily settle all your credit card bills and loan balances at once!


X Pays "Buy Now, Pay Later" payment feature allows you to flexibly pay in installments in just 3 steps: (1) register as an X Pay member, (2) link your credit card/debit card, (3) scan the QR code to easily split your payment into 3 interest-free installments.
We provide various merchant offers and exclusive deals across Hong Kong, allowing you to earn rewards as you pay. The entire process is done within the app, with installment amounts of up to $5,000, spread over 3 months with no additional fees.


Download X Wallet now and enjoy the new financial experience to unlock every opportunity.
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X Wallet Welcome Offer:
X Lend and X Pay offer different promotions to our valued customers. New customers who enter the designated offer code can enjoy the welcome offer. For more details, please visit the Zero Finance website (https://www.zerofinance.hk/zh/ ) and the X Pay Website ( https://zero-xpay.com).


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X Cash.AI Features:
- 5 seconds A.I. approval: Instant loan approval result.
- 24x7 instant transfer and repayment by FPS: Once the loan contract is confirmed, the cash will be transferred to your Hong Kong bank account by FPS immediately**.
-Only an HKID card and bank account number are required for applying for the loan and receiving the cash, income proof, or other supporting documents is waived.
- Revolving Loan: Just apply once and enjoy unlimited usage of the approved credit line. Interest is charged on a daily basis, with daily interest as low as $0.22. The flexible loan amount is as low as $1,000^.


X Loan Features:
-Repayment period up to 72 months
-Low-interest rates as low as 5%


X Debt Consolidation Loan Features:
-Repayment period up to 72 months
-Low-interest rates as low as 8%


X Pay Features:
- Scan the merchant’s QR code & split your purchase into 3 interest-free installments.
- Autopay, no charges or hidden fee


^ Only applicable to existing loan customers.
*The final approval of the application is subject to the financial condition of the customer.
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Below example of total loan costs is for reference only:


Loan amount: $15,000
Daily interest: $3.3
Tenor: 24 months, monthly repayment is $102
Monthly interest rate: 0.67%
Annual Percentage Rate: 8%
Total repayment amount: $17,400


X Wallet - The 1st A.I. Express Revolving Loan and Buy Now Pay Later App in HK is the brand of "Zero Finance Hong Kong Co., Ltd.", which is a wholly owned subsidiary of ‘’Termbray Industries International (Holdings) Limited’’ (Stock Code:0093). "Zero Finance Hong Kong Limited" reserves the right of final decision on loan approval.

The Minimum repayment period is 61 days. The maximum repayment period is 72 months. The highest Annual Percentage Rate (APR): 48%


Warning: You have to repay your loans. Dont pay any intermediaries.
Money Lenders License No. : 0954/2024
Enquiry & Complaint hotline: 2531 0333


Office address | Loan services: Unit 201, 2/F, Kwong Fat Hong Building, No.1 Rumsey Street, Sheung Wan, Hong Kong.
(Sheung Wan MTR - Exit E2)