LexinFintech Holdings Ltd. is an online and offline consumer finance platform in China serving young adults aged 23-40 through its primary platform Fenqile. The company does not directly lend but instead facilitates personal consumption loans and installment payment services by connecting borrowers with institutional funding partners such as banks and consumer finance companies. LexinFintech generates revenue primarily through service fees charged to its funding partners for platform intermediation, technology services, and risk assessment, as well as guarantee fees collected from users and technology and data services provided to platform participants.