In late March 2026, Hong Kong listed company Lianlian Digital Technology Co., Ltd. (hereinafter referred to as "Lianlian Digital") released its 2025 annual performance report, which showed that as of December 31, 2025, Lianlian Digital's total annual revenue reached 1.734 billion yuan, a year-on-year increase of 31.9%; The gross profit increased by 28% year-on-year to 873 million yuan; After adjustment, the operating profit reached 82.26 million yuan, a year-on-year increase of 105.9%.

Lianlian Digital stated that against the backdrop of a complex and ever-changing global trade environment last year, the global payment business of enterprises continued to grow, mainly due to the dual wheel drive of "technology empowerment+global layout".

In terms of technology empowerment, Lianlian Digital has completed the reconstruction of payment infrastructure based on the upgrading of underlying technology architecture and deep adaptation to vertical scenarios. Various intelligent tools have been deeply embedded in key links such as risk control, customer service, and exchange rate optimization, driven by technological innovation to reduce costs and increase efficiency, and enhance customer experience.

In terms of global layout, Lianlian Digital is deepening its business penetration in the core regions of Europe and America, relying on local payment licenses and localized operation teams in various countries, actively expanding its presence in emerging markets such as Southeast Asia, the Middle East, and Latin America. By establishing regional operation centers, it promotes the deep integration of local payment services and regional trade ecosystems worldwide.

Zhang Zhengyu, Chairman and CEO of Lianlian Digital, stated that 2025 is a year for the company to solidify its foundation, accelerate comprehensively, and achieve profitability breakthroughs. This year, the company exceeded its targets in expanding customer base, upgrading product system, and improving operational efficiency.

It is reported that in the future, LianLian Word will focus on internal growth combined with stable mergers and acquisitions (or strategic investments) to further expand its business scope and promote sustained growth, building a larger LianLian ecosystem.

Seize the opportunity of AI transformation and strengthen technological barriers

Currently, the global digital payment industry is undergoing a profound transformation: AI is reshaping the composition of human productivity in all aspects, and the core weight of Fintech is shifting from Fin (finance) to Tech (technology), and from financial focus to technological focus.

Zhang Zhengyu said that in the face of the new trend of AI's deep transformation of the global digital payment format, Lianlian Digital must actively evolve from "the connector in the Internet era" to "the hub in the AI and blockchain era", and from "payment network" to "the infrastructure of global trade finance".

Last year, Lianlian Digital elevated its "technological upgrade" to a strategic core position, with annual technology research and development expenses reaching 361 million yuan, a year-on-year increase of 13%.

With the continuous increase in R&D investment, Lianlian Digital completed the privatization deployment of its AI big model last year and developed intelligent tools such as LoopAI and LoopChat based on the AI big model, fully embedded in key business scenarios such as risk control, currency exchange, and customer service.

Especially in the field of payment risk control, AI intelligent risk control systems achieve automatic capture of transaction files, intelligent determination of compliance associations, millisecond level abnormal warnings, significantly improving risk control efficiency and accuracy, and building a solid compliance bottom line; In the field of customer service, LianLian Digital integrates cloud native, big data, and AI technologies to create the "LianLian Cross border Merchant Confidence Index", track the seller's business status, help customers reduce business uncertainty, and enhance user experience and service value.

At the same time, Lianlian Digital relies on the Hong Kong VATP digital asset trading platform license to actively expand its digital asset business while exploring the application of blockchain technology in improving cross-border payment efficiency and cost optimization, building a bridge between traditional payment infrastructure and emerging digital economy.

In 2026, Lianlian Digital will comprehensively deepen its AI native strategy and promote the productization of AI technology in all fields of payment and value-added services; And through systematic organizational restructuring and AI based efficiency improvement and refined operational management, we will continue to strengthen technological barriers.

Efficient collaboration between accelerating globalization layout and deepening localization

With the support of a series of achievements in AI research and development, Lianlian Digital is accelerating the efficient collaborative pace of globalization layout and localization deepening.

Since the second half of last year, in response to an increasing number of Chinese companies actively going global, Lianlian Digital has begun to optimize its business structure and focus its business resources on serving the high-value needs of Chinese enterprises going global.

Zhang Zhengyu frankly stated that Lianlian Digital is currently in a critical window period of AI driven and global layout acceleration. Therefore, Lianlian Digital has established a joint CEO system specifically to achieve efficient collaboration between global layout and localized cultivation, allowing professionals to do professional work, promoting the simultaneous adaptation of organizational structure and strategic goals, and jointly expanding the global business map and building a resilient growth curve.

It is not easy to achieve efficient collaboration between globalization layout and localization deepening. Cross border payment institutions need to obtain relevant payment licenses in numerous overseas countries and regions to ensure the collaborative and compliant operation of various payment businesses.

As of the end of last year, Lianlian Digital's global payment licenses and related qualifications have expanded to 66, covering MTL licenses in all states of the United States, MSO licenses in Hong Kong, EMI licenses in Luxembourg, API licenses in the United Kingdom, etc. The service scope covers more than 100 countries and regions, and supports transaction settlement in over 130 currencies.

To build sustainable global operational capabilities and maximize the efficient synergy between globalization and localization, it is also necessary to collaborate with various partners to jointly build a global payment ecosystem. In 2025, Lianlian Digital has successively established deep cooperation with multiple global payment service platforms such as UnionPay International, Visa, 12 Victory, Veem, PAYSO, Waffo, etc. Through resource sharing and complementary advantages, it will further improve the global payment network and build an interconnected and intelligent payment ecosystem.

Zhang Zhengyu stated that in the future, Lianlian Digital will continue to focus on its AI native strategy, promote the deep integration of artificial intelligence and business scenarios, and steadfastly deepen its globalization development strategy. It will continue to consolidate its competitive advantages in cross-border payments and compliant financial services, build a secure, efficient, and convenient global trade finance infrastructure, and strive to become a technology driven global digital payment leader.