X Wallet: X Cash.AI & X Pay

Time and money, yours at once!

X Wallet is Hong Kong's leading AI-powered instant lending and buy-now-pay-later feature mobile app, featuring two major functions: X Cash.AI and X Pay Payment. Time and money, yours at once!^

X Cash.AI provides simple instant loan fully in-app application. Instant approval^, 24/7 FPS transfer+, and flexible repayment with no income proof required**. A revolving loan to cover unexpected expenses anytime.


X Pay provides a buy-now-pay-later feature, which 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!

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X Wallet Welcome Offer^^:
X Cash 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 X Wallet website (https://www.xwallet.hk ) and the X Pay Website ( https://zero-xpay.com).
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X Cash.AI Features:
- A.I. instant 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 $0.032*. The flexible loan amount is as low as $1,000*.

X Loan / X Debt Consolidation Loan Features:
- Loan amount up to HK$1 Million*.
- APR as low as 1.15%*.

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

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

The minimum and maximum repayment period is 12 months and 72 months respectively
The APR generally does not exceed 36%*

*Approval subject to individual circumstances and Company discretion. T&Cs apply.
^Avg. A.I. approval time within 5s (from submitting a completed application to system approval completion, based on internal stats 1/1/26–31/3/26). Actual time depends on individual circumstances. Final approval subject to the Company’s sole discretion.
#Approval time refers to the period from submitting a completed application to system approval completion. Actual time depends on individual circumstances. Final approval subject to the Company’s sole discretion.
+Maintenance period excluded; actual time varies by case. Final approval subject to individual circumstances and Company discretion.
**Only applicable to customers who meets specific approval requirements. Depending on individual circumstances, the Company reserves the right to request additional documents for approval purposes.
^^Terms and conditions apply.

X Wallet is a brand under Zero Finance Hong Kong Limited, a subsidiary of the listed company Zero Tech Financial Group Limited (HKEX Stock Code: 0093).ry of "Zero Fintech Group Limited" (Stock Code:0093).

Warning: You have to repay your loans. Don't pay any intermediaries.
Money Lender's License No. : 0666/2025
Enquiry & Complaint hotline: 2531 0333

Office address | Loan services: Room 2110-11, 21/F, Cosco Tower, 183 Queen's Road Central, Sheung Wan, Hong Kong (Sheung Wan MTR - Exit E2)