From April 13 to 14, the "2026 World Internet Conference Asia Pacific Summit" hosted by the World Internet Conference and hosted by the government of Hong Kong Special Administrative Region was held in Hong Kong. AI driven fintech platform Yixin (02858. HK) made another appearance at the summit, announcing that Yixin has formed a Harness governance system and will open source some of its self-developed AI Infra in the second half of this year. The breakthrough in the field of Harness marks that Yixin's AI strategy has officially entered a new stage of "focusing on models" and "focusing on systems". Through the improvement of comprehensive governance capabilities throughout the entire chain, it will promote the safer, more compliant, and efficient operation of AI in the financial vertical industry.

Speech by Jia Zhifeng, Chief Technology Officer of Yixin

Jia Zhifeng, Chief Technology Officer of Yixin, revealed the above information at the "Intelligent Agent Innovation and Application Forum" summit. He stated that in the automotive finance business, the traditional manual mode has long faced pain points such as fragmented processes, high costs, and insufficient efficiency. Since 2025, Yixin has been deeply embedding intelligent agent capabilities into the entire business process, including intelligent calling, face-to-face review, risk control, customer service, asset management, and quality inspection, around its self-developed Agentic large model. Currently, it has achieved large-scale implementation. At present, the Agent can achieve autonomous delivery of 65% of results, increase conversion rates by over 20%, and improve overall operational efficiency by over 100%.

To achieve this effect, it is not only necessary to have the capability of the Agentic big model, but also the mastery of the Harness governance system. Jia Zhifeng revealed that Yixin has gradually formed its own Harness by 2026. The Agentic basic model and Harness AI Infra are the two wheels that truly enable the use of agents in the financial vertical industry, both of which are indispensable. ?It is reported that under Yixin's self-developed Harness Framework, Agents and real people can seamlessly switch in real-time within the same order flow. When the model experiences "hallucinations" or violates commitments, it can trigger a circuit breaker in milliseconds and switch to the manual link; Simultaneously establish a full process data association graph to achieve full auditability, traceability, and low-cost updates from data access to model application.

The significance of Harness is not only to make the model run more smoothly, but also to ensure the security and compliance of its application in business. ?Jia Zhifeng emphasized that the financial industry attaches great importance to safety and compliance. "In the financial field, ensuring the safety and compliance of large models through Harness is not just a 'icing on the cake', but the bottom line and necessity of business. ?

At present, Yixin has taken the lead in using the Agentic big model and Harness in the automotive finance industry, achieving practical results in improving quality, efficiency, and safety compliance. These capabilities will also empower upstream and downstream partners in the full chain AI SaaS platform, improve customer acquisition, risk control, and operational efficiency, and enhance user experience. Not only that, following the first Agentic big model in the open source industry in 2025, Yixin will officially open source some of its self-developed Harness Framework (AI Infra) in the second half of this year. This open source is expected to enhance the AI governance capability of the entire industry chain, promote the scale and standardization of AI applications, and help upgrade the overall intelligence of automotive finance.

The Asia Pacific Summit of the World Internet Conference is regarded as the "wind vane" for the development of the Asia Pacific digital economy. Yixin's appearance this time not only showcases the latest practice of intelligent automotive finance, but also provides a reference for the landing and application of AI in the strong compliance industry in China. In the future, with the deepening application of the Harness governance system and the open source of AI Infra, Yixin will continue to promote technology inclusiveness, empower industry partners through ecological co construction, and inject new financial technology momentum into the innovative development of the digital economy in the Asia Pacific region and even globally.