YRD / Yiren Digital Ltd. - Depositary Receipt (Common Stock) - Pengajuan SECLaporan Tahunan, Pernyataan Proksi

Yiren Digital Ltd. - Depositary Receipt (Common Stock)
US ˙ NYSE ˙ US98585L1008

Mga Batayang Estadistika
LEI 549300GUWSM4NWQXJO64
CIK 1631761
SEC Filings
All companies that sell securities in the United States must register with the Securities and Exchange Commission (SEC) and file reports on a regular basis. These reports include company annual reports (10K, 10Q), news updates (8K), investor presentations (found in 8Ks), insider trades (form 4), ownership reports (13D, and 13G), and reports related to the specific securities sold, such as registration statements and prospectus. This page shows recent SEC filings related to Yiren Digital Ltd. - Depositary Receipt (Common Stock)
SEC Filings (Chronological Order)
Halaman ini menyediakan daftar lengkap dan kronologis dari Pengajuan SEC, tidak termasuk pengajuan kepemilikan yang kami sediakan di tempat lain.
August 22, 2025 EX-99.1

Yiren Digital Reports Second Quarter 2025 Financial Results

Exhibit 99.1 Yiren Digital Reports Second Quarter 2025 Financial Results BEIJING – August 21, 2025 – Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), an AI-powered platform providing a comprehensive suite of financial services in Asia, today announced its unaudited financial results for the quarter ended June 30, 2025. Second Quarter 2025 Operational Highlights Financial Services

August 22, 2025 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of August 2025 Commission File Number: 001-376

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of August 2025 Commission File Number: 001-37657 YIREN DIGITAL LTD. 28/F, China Merchants Bureau Building 118 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address

July 24, 2025 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of July 2025 Commission File Number: 001-37657

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of July 2025 Commission File Number: 001-37657 YIREN DIGITAL LTD. 28/F, China Merchants Bureau Building 118 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address o

July 24, 2025 EX-99.1

Yiren Digital Releases its 2024 ESG Report: AI Deepens Sustainable Practices Across the Board

Exhibit 99.1 Yiren Digital Releases its 2024 ESG Report: AI Deepens Sustainable Practices Across the Board BEIJING, July 24, 2025 /PRNewswire/ - Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in Asia, today announced the release of its annual ESG report for the year ended December 31, 202

June 13, 2025 EX-99.1

Yiren Digital Reports First Quarter 2025 Financial Results

Exhibit 99.1 Yiren Digital Reports First Quarter 2025 Financial Results BEIJING – June 12, 2025 – Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in Asia, today announced its unaudited financial results for the quarter ended March 31, 2025. First Quarter 2025 Operational Highlights Financi

June 13, 2025 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of June 2025 Commission File Number: 001-37657

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of June 2025 Commission File Number: 001-37657 YIREN DIGITAL LTD. 28/F, China Merchants Bureau Building 118 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address o

June 13, 2025 EX-4.1

YIREN DIGITAL LTD. 2025 SHARE INCENTIVE PLAN Article 1

Exhibit 4.1 YIREN DIGITAL LTD. 2025 SHARE INCENTIVE PLAN Article 1 PURPOSE The purpose of this 2025 Share Incentive Plan (the “Plan”) is to promote the success and enhance the value of Yiren Digital Ltd., a company formed under the laws of the Cayman Islands (the “Company”), by linking the personal interests of the Directors, Employees, and Consultants to those of the Company’s shareholders and by

April 28, 2025 EX-4.17

Amended and Restated Exclusive Option Agreement

Exhibit 4.17 Amended and Restated Exclusive Option Agreement This Amended and Restated Exclusive Option Agreement (this “Agreement”) is executed by and among the following Parties as of July 12, 2024 in Beijing, the People’s Republic of China (“China” or the “PRC”): Party A: Chongqing Hengyuda Technology Co., Ltd., a wholly foreign owned enterprise, organized and existing under the laws of the PRC

April 28, 2025 20-F

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2024 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) O

April 28, 2025 EX-12.1

Certification by the Principal Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

EXHIBIT 12.1 Certification by the Principal Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 I, Ning Tang, certify that: 1. I have reviewed this annual report on Form 20-F of Yiren Digital Ltd.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of

April 28, 2025 EX-12.2

Certification by the Principal Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

EXHIBIT 12.2 Certification by the Principal Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 I, Yuning Feng, certify that: 1. I have reviewed this annual report on Form 20-F of Yiren Digital Ltd.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light

April 28, 2025 EX-15.2

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

EXHIBIT 15.2 CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM We consent to the incorporation by reference in the Registration Statements on Form S-8 (No. 333-212056, No. 333-219404 and No. 333-248640) of our report dated April 28, 2025 relating to the financial statements of Yiren Digital Ltd. appearing in this Annual Report on Form 20-F for the year ended December 31, 2024. We also conse

April 28, 2025 EX-15.1

April 28, 2025

EXHIBIT 15.1 April 28, 2025 Yiren Digital Ltd. 28/F, China Merchants Bureau Building, 118 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China Dear Sir/Madam: We hereby consent to the reference of our name under the headings “Item 3. Key Information—D. Risk Factors—Risks Related to Our Corporate Structure” and “Item 4. Information on the Company—C. Organizational Structure

April 28, 2025 EX-11.2

Yirendai Ltd. Statement of PolicIES Governing Material non-public Information and The Prevention of InsideR Trading

Exhibit 11.2 Yirendai Ltd. Statement of PolicIES Governing Material non-public Information and The Prevention of InsideR Trading This Statement of Policies Governing Material Non-Public Information and the Prevention of Insider Trading (this “Statement”) applies to all directors, officers, employees and consultants of Yirendai Ltd. and its subsidiaries and affiliated entities (collectively, the “C

April 28, 2025 EX-4.13

Amended and Restated Loan Agreement

Exhibit 4.13 Amended and Restated Loan Agreement This Amended and Restated Loan Agreement (this “Agreement”) is made and entered into by and between the Parties below as of July 12, 2024 in Beijing, China: (1) Chongqing Hengyuda Technology Co., Ltd., a wholly foreign owned enterprise, organized and existing under the laws of the PRC, with its address at Unit 1, 2, 3, 4, 5, 6, Floor 22, 7 Huasheng

April 28, 2025 EX-13.1

Certification by the Principal Executive Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

EXHIBIT 13.1 Certification by the Principal Executive Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 In connection with the Annual Report of Yiren Digital Ltd. (the “Company”) on Form 20-F for the year ended December 31, 2024 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Ning Tang, Chief Executive Officer of the Company, certify, purs

April 28, 2025 EX-13.2

Certification by the Principal Financial Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

EXHIBIT 13.2 Certification by the Principal Financial Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 In connection with the Annual Report of Yiren Digital Ltd. (the “Company”) on Form 20-F for the year ended December 31, 2024 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Yuning Feng, Chief Financial Officer of the Company, certify, pu

April 28, 2025 EX-4.15

Power of Attorney

Exhibit 4.15 Power of Attorney CreditEase Pucheng Credit Management (Beijing) Co., Ltd. (the “Company”), a limited liability company organized and existing under the laws of China, with its address at Room 1601, Floor 13, Building 1, West Dawang Street, Chaoyang District, Beijing, and a holder of 95% of the entire registered capital in Yiren Financial Information Services (Beijing) Co., Ltd. (“Yir

April 28, 2025 EX-4.14

Amended and Restated Equity Interest Pledge Agreement

Exhibit 4.14 Amended and Restated Equity Interest Pledge Agreement This Amended and Restated Equity Interest Pledge Agreement (this “Agreement”) has been executed by and among the following parties on July 12, 2024 in Beijing, the People’s Republic of China (“China” or the “PRC”): Party A: Chongqing Hengyuda Technology Co., Ltd. (hereinafter “Pledgee”), a wholly foreign owned enterprise, organized

March 21, 2025 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of March 2025 Commission File Number: 001-3765

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of March 2025 Commission File Number: 001-37657 YIREN DIGITAL LTD. 28/F, China Merchants Bureau Building 118 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address

March 21, 2025 EX-99.1

Yiren Digital Reports Fourth Quarter and Fiscal Year 2024 Financial Results

Exhibit 99.1 Yiren Digital Reports Fourth Quarter and Fiscal Year 2024 Financial Results BEIJING – March 20, 2025 – Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, today announced its unaudited financial results for the quarter ended December 31, 2024. Fourth Quarter 2024 and Fis

November 21, 2024 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of November 2024 Commission File Number: 001-3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of November 2024 Commission File Number: 001-37657 YIREN DIGITAL LTD. 28/F, China Merchants Bureau Building 118 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Addre

November 21, 2024 EX-99.1

Yiren Digital Reports Third Quarter 2024 Financial Results

Exhibit 99.1 Yiren Digital Reports Third Quarter 2024 Financial Results BEIJING – November 20, 2024 – Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, today announced its unaudited financial results for the quarter ended September 30, 2024. Third Quarter 2024 Operational Highlight

August 20, 2024 EX-99.1

Yiren Digital Reports Second Quarter 2024 Financial Results

Exhibit 99.1 Yiren Digital Reports Second Quarter 2024 Financial Results BEIJING – August 20, 2024 – Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, today announced its unaudited financial results for the quarter ended June 30, 2024. Second Quarter 2024 Operational Highlights Fin

August 20, 2024 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of August 2024 Commission File Number: 001-376

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of August 2024 Commission File Number: 001-37657 YIREN DIGITAL LTD. 28/F, China Merchants Bureau Building 118 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address

July 2, 2024 EX-99.1

Yiren Digital Releases its First ESG Report

Exhibit 99.1 Yiren Digital Releases its First ESG Report BEIJING, June 28, 2024 /PRNewswire/ - Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, today announced the release of its annual ESG report for the year ended December 31, 2023. The report highlights Yiren Digital's mission

July 2, 2024 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of July 2024 Commission File Number: 001-37657

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of July 2024 Commission File Number: 001-37657 YIREN DIGITAL LTD. 28/F, China Merchants Bureau Building 118 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address o

June 24, 2024 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of June 2024 Commission File Number: 001-37657

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of June 2024 Commission File Number: 001-37657 YIREN DIGITAL LTD. 28/F, China Merchants Bureau Building 118 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address o

June 24, 2024 EX-99.2

YIREN DIGITAL LTD. CODE OF BUSINESS CONDUCT AND ETHICS (Adopted by the Board of Directors of Yiren Digital Ltd., as amended and restated on June 17, 2024)

Exhibit 99.2 YIREN DIGITAL LTD. CODE OF BUSINESS CONDUCT AND ETHICS (Adopted by the Board of Directors of Yiren Digital Ltd., as amended and restated on June 17, 2024) I. PURPOSE This Code of Business Conduct and Ethics, as amended and restated on June 17, 2024 (the “Code”), contains general guidelines for conducting the business of Yiren Digital Ltd., a Cayman Islands company, and its subsidiarie

June 24, 2024 EX-99.1

Yiren Digital Reports First Quarter 2024 Financial Results

Exhibit 99.1 Yiren Digital Reports First Quarter 2024 Financial Results BEIJING – June 21, 2024 – Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, today announced its unaudited financial results for the quarter ended March 31, 2024. First Quarter 2024 Operational Highlights Financ

May 15, 2024 EX-4.14

Amended and Restated Equity Interest Pledge Agreement

Exhibit 4.14 Amended and Restated Equity Interest Pledge Agreement This Amended and Restated Equity Interest Pledge Agreement (this “Agreement”) has been executed by and among the following parties on October 30, 2023 in Beijing, the People’s Republic of China (“China” or the “PRC”): Party A: Chongqing Hengyuda Technology Co., Ltd. (hereinafter “Pledgee”), a wholly foreign owned enterprise, organi

May 15, 2024 EX-4.15

Power of Attorney

Exhibit 4.15 Power of Attorney CreditEase Pucheng Credit Management (Beijing) Co., Ltd. (the “Company”), a limited liability company organized and existing under the laws of China, with its address at Room 1601, Floor 13, Building 1, West Dawang Street, Chaoyang District, Beijing, and a holder of 95% of the entire registered capital in Yiren Financial Information Services (Beijing) Co., Ltd. (“Yir

May 15, 2024 EX-4.17

Amended and Restated Exclusive Option Agreement

Exhibit 4.17 Amended and Restated Exclusive Option Agreement This Amended and Restated Exclusive Option Agreement (this “Agreement”) is executed by and among the following Parties as of October 30, 2023 in Beijing, the People’s Republic of China (“China” or the “PRC”): Party A:Chongqing Hengyuda Technology Co., Ltd., a wholly foreign owned enterprise, organized and existing under the laws of the P

May 15, 2024 EX-12.1

Certification by the Principal Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

Exhibit 12.1 Certification by the Principal Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 I, Ning Tang, certify that: 1. I have reviewed this annual report on Form 20-F of Yiren Digital Ltd.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of

May 15, 2024 EX-12.2

Certification by the Principal Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

Exhibit 12.2 Certification by the Principal Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 I, Na Mei, certify that: 1. I have reviewed this annual report on Form 20-F of Yiren Digital Ltd.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of th

May 15, 2024 EX-13.1

Certification by the Principal Executive Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

Exhibit 13.1 Certification by the Principal Executive Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 In connection with the Annual Report of Yiren Digital Ltd. (the “Company”) on Form 20-F for the year ended December 31, 2023 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Ning Tang, Chief Executive Officer of the Company, certify, purs

May 15, 2024 20-F

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2023 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) O

May 15, 2024 EX-4.13

Amended and Restated Loan Agreement

Exhibit 4.13 Amended and Restated Loan Agreement This Amended and Restated Loan Agreement (this “Agreement”) is made and entered into by and between the Parties below as of October 30, 2023 in Beijing, China: (1) Chongqing Hengyuda Technology Co., Ltd., a wholly foreign owned enterprise, organized and existing under the laws of the PRC, with its address at Unit 1, 2, 3, 4, 5, 6, Floor 22, 7 Huashe

May 15, 2024 EX-97.1

YIREN DIGITAL LTD. INCENTIVE COMPENSATION RECOUPMENT POLICY

Exhibit 97.1 YIREN DIGITAL LTD. INCENTIVE COMPENSATION RECOUPMENT POLICY 1.INTRODUCTION The Board of Directors (the “Board”) of Yiren Digital Ltd., a company incorporated in the Cayman Islands (the “Company”), has determined that it is in the best interests of the Company and its shareholders to adopt this Incentive Compensation Recoupment Policy (this “Policy”) providing for the Company’s recoupm

May 15, 2024 EX-13.2

Certification by the Principal Financial Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

Exhibit 13.2 Certification by the Principal Financial Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 In connection with the Annual Report of Yiren Digital Ltd. (the “Company”) on Form 20-F for the year ended December 31, 2023 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Na Mei, Chief Financial Officer of the Company, certify, pursuan

May 15, 2024 EX-15.1

May 15, 2024

Exhibit 15.1 May 15, 2024 Yiren Digital Ltd. 28/F, China Merchants Bureau Building, 118 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China Dear Sir/Madam: We hereby consent to the reference of our name under the headings “Item 3. Key Information—D. Risk Factors—Risks Related to Our Corporate Structure” and “Item 4. Information on the Company—C. Organizational Structure”

May 15, 2024 EX-15.2

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Exhibit 15.2 CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM We consent to the incorporation by reference in the Registration Statements on Form S-8 (No. 333-212056, No. 333-219404 and No. 333-248640) of our report dated May 15, 2024 relating to the financial statements of Yiren Digital Ltd. appearing in this Annual Report on Form 20-F for the year ended December 31, 2023 and 2022. We als

April 30, 2024 NT 20-F

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 NOTIFICATION OF LATE FILING

SEC FILE NUMBER: 001-37657 CUSIP NUMBER: G9844L107 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

March 22, 2024 EX-99.1

Yiren Digital Reports Fourth Quarter and Fiscal Year 2023 Financial Results

Exhibit 99.1 Yiren Digital Reports Fourth Quarter and Fiscal Year 2023 Financial Results BEIJING – March 21, 2024 – Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), an AI-powered platform providing a comprehensive suite of financial and lifestyle services in China, today announced its unaudited financial results for the quarter ended December 31, 2023. Fourth Quarter 2023 and Fis

March 22, 2024 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of March 2024 Commission File Number: 001-3765

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of March 2024 Commission File Number: 001-37657 YIREN DIGITAL LTD. 28/F, China Merchants Bureau Building, 118 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address

February 29, 2024 CORRESP

* * * *

Yiren Digital Ltd. 28/F China Merchants Bureau Building 118 Jianguo Road Chaoyang District, Beijing 100080 People’s Republic of China February 29, 2024 VIA EDGAR William Schroeder Ben Phippen Madeleine Joy Mateo Susan Block Office of Finance Division of Corporation Finance U.S. Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Re: Yiren Digital Ltd. (the “Company”) Form

November 22, 2023 EX-99.1

Unaudited Condensed Consolidated Statements of Operations (in thousands, except for share, per share and per ADS data, and percentages)

Exhibit 99.1 Yiren Digital Reports Third Quarter 2023 Financial Results BEIJING – November 21, 2023 – Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), an AI-driven one-stop select financial and lifestyle services platform in China, today announced its unaudited financial results for the quarter ended September 30, 2023. Third Quarter 2023 Operational Highlights Financial Services

November 22, 2023 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of November 2023 Commission File Number: 001-3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of November 2023 Commission File Number: 001-37657 YIREN DIGITAL LTD. 28/F, China Merchants Bureau Building, 118 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Addr

November 17, 2023 CORRESP

* * * *

Yiren Digital Ltd. 28/F China Merchants Bureau Building 118 Jianguo Road Chaoyang District, Beijing 100080 People’s Republic of China November 17, 2023 VIA EDGAR William Schroeder Ben Phippen Madeleine Joy Mateo Susan Block Office of Finance Division of Corporation Finance U.S. Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549 Re: Yiren Digital Ltd. (the “Company”) Form

August 18, 2023 EX-99.1

Unaudited Condensed Consolidated Statements of Operations (in thousands, except for share, per share and per ADS data, and percentages)

Exhibit 99.1 Yiren Digital Reports Second Quarter 2023 Financial Results 08/17/23 BEIJING, Aug. 17, 2023 /PRNewswire/ - Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), an AI-driven one-stop select financial and lifestyle services platform in China, today announced its unaudited financial results for the quarter ended June 30, 2023. Second Quarter 2023 Operational Highlights Insu

August 18, 2023 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of August 2023 Commission File Number: 001-376

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of August 2023 Commission File Number: 001-37657 YIREN DIGITAL LTD. 28/F, China Merchants Bureau Building, 118 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Addres

June 27, 2023 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of June 2023 Commission File Number: 001-37657

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of June 2023 Commission File Number: 001-37657 YIREN DIGITAL LTD. 28/F, China Merchants Bureau Building, 118 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address

June 27, 2023 EX-99.2

Equity Transfer Agreement Chongqing Jintong Financing Guarantee Co., Ltd. June 27, 2023 Table of Contents

Exhibit 99.2 Certain confidential information contained in this exhibit, marked by [***], has been omitted from this exhibit because it is both (i) not material and (ii) would likely cause competitive harm to the company if publicly disclosed. Equity Transfer Agreement Regarding Chongqing Jintong Financing Guarantee Co., Ltd. June 27, 2023 Table of Contents Article 1 Definition 1 Article 2 Equity

June 27, 2023 EX-99.1

Yiren Digital Announces the Acquisition of Chongqing Jintong

Exhibit 99.1 Yiren Digital Announces the Acquisition of Chongqing Jintong BEIJING, June 27, 2023 /PRNewswire/ - Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), a leading digital personal financial management platform in China, today announced that it had entered into an equity transfer agreement (the “Agreement”) to acquire 100% equity interest in Chongqing Jintong Financing Gua

June 12, 2023 EX-99.1

Yiren Digital Reports First Quarter 2023 Financial Results

Exhibit 99.1 Yiren Digital Reports First Quarter 2023 Financial Results BEIJING –June 9, 2023 /PRNewswire/ – Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), a leading digital personal financial management platform in China, today announced its unaudited financial results for the quarter ended March 31, 2023. First Quarter 2023 Operational Highlights Insurance Brokerage Business

June 12, 2023 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of June 2023 Commission File Number: 001-37657

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of June 2023 Commission File Number: 001-37657 YIREN DIGITAL LTD. 28/F, China Merchants Bureau Building, 118 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address

May 31, 2023 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of May 2023 Commission File Number: 001-37657

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of May 2023 Commission File Number: 001-37657 YIREN DIGITAL LTD. 28/F, China Merchants Bureau Building, 118 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address o

April 28, 2023 EX-15.3

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Exhibit 15.3 CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM We consent to the incorporation by reference in Registration Statement Nos. 333-212056, 333-219404 and 333-248640 on Form S-8 of our report dated April 29, 2021, relating to the financial statements of Yiren Digital Ltd. appearing in this Annual Report on Form 20-F for the year ended December 31, 2022. /s/ Deloitte Touche Tohmat

April 28, 2023 EX-12.1

Certification by the Principal Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

Exhibit 12.1 Certification by the Principal Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 I, Ning Tang, certify that: 1. I have reviewed this annual report on Form 20-F of Yiren Digital Ltd.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of

April 28, 2023 EX-15.1

April 28, 2023

Exhibit 15.1 April 28, 2023 Yiren Digital Ltd. 28/F, China Merchants Bureau Building, 118 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China Dear Sir/Madam: We hereby consent to the reference of our name under the headings “Item 3. Key Information—D. Risk Factors—Risks Related to Our Corporate Structure” and “Item 4. Information on the Company—C. Organizational Structure

April 28, 2023 20-F

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 OR ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) O

April 28, 2023 EX-12.2

Certification by the Principal Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

Exhibit 12.2 Certification by the Principal Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 I, Na Mei, certify that: 1. I have reviewed this annual report on Form 20-F of Yiren Digital Ltd.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of th

April 28, 2023 EX-15.2

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Exhibit 15.2 CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM We consent to the incorporation by reference in the Registration Statements on Form S-8 (No. 333-212056, No. 333-219404 and No. 333-248640) of our report dated April 28, 2023 relating to the financial statements of Yiren Digital Ltd. appearing in this Annual Report on Form 20-F for the year ended December 31, 2022. We also conse

April 28, 2023 EX-13.2

Certification by the Principal Financial Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

Exhibit 13.2 Certification by the Principal Financial Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 In connection with the Annual Report of Yiren Digital Ltd. (the “Company”) on Form 20-F for the year ended December 31, 2022 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Na Mei, Chief Financial Officer of the Company, certify, pursuan

April 28, 2023 EX-13.1

Certification by the Principal Executive Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

Exhibit 13.1 Certification by the Principal Executive Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 In connection with the Annual Report of Yiren Digital Ltd. (the “Company”) on Form 20-F for the year ended December 31, 2022 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Ning Tang, Chief Executive Officer of the Company, certify, purs

April 27, 2023 SC 13D/A

YRD / Yiren Digital Ltd - ADR / CreditEase Holdings (Cayman) Ltd - SC 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D (Amendment No. 1)* Under the Securities Exchange Act of 1934 Yiren Digital Ltd. (Name of Issuer) Ordinary Shares, par value $0.0001 (Title of Class of Securities) G9844L107 (CUSIP Number) CreditEase Holdings (Cayman) Limited 3/F, Tower A, Winterless Center 1 West Dawang Road Chaoyang District, Beijing 100022 The P

April 27, 2023 EX-99.7

Surrender Letter CreditEase Holdings (Cayman) Limited

Exhibit 99.7 Surrender Letter CreditEase Holdings (Cayman) Limited To: The Board of Directors of Yiren Digital Ltd. (the “Company”) September 8, 2020 Dear Directors Irrevocable notice of surrender of shares for nil consideration, in accordance with section 37B of the Companies Law (2020 Revision) of the Cayman Islands (the “Companies Law”) We hereby irrevocably surrender to the Company for cancell

March 17, 2023 EX-99.1

Yiren Digital Reports Fourth Quarter and Fiscal Year 2022 Financial Results

Exhibit 99.1 Yiren Digital Reports Fourth Quarter and Fiscal Year 2022 Financial Results BEIJING, March 16, 2023 /PRNewswire/ – Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), a leading digital personal financial management platform in China, today announced its unaudited financial results for the fourth quarter and the fiscal year ended December 31, 2022. Fourth Quarter 2022 an

March 17, 2023 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of March 2023 Commission File Number: 001-3765

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of March 2023 Commission File Number: 001-37657 YIREN DIGITAL LTD. 5/F, Hanwei Plaza, No. 7, Guanghua Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal ex

December 5, 2022 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of December 2022 Commission File Number: 001-3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of December 2022 Commission File Number: 001-37657 YIREN DIGITAL LTD. 5/F, Hanwei Plaza, No. 7, Guanghua Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal

December 5, 2022 EX-99.1

Yiren Digital Successfully Regains Compliance with NYSE Minimum Share Price Listing Requirement

Exhibit 99.1 Yiren Digital Successfully Regains Compliance with NYSE Minimum Share Price Listing Requirement BEIJING, December 2, 2022 /PRNewswire/ - Yiren Digital Ltd. ("Yiren Digital" or the "Company") (NYSE: YRD), a leading digital personal financial management platform in China, today announced that it has received a letter dated December 1, 2022 from the New York Stock Exchange (the "NYSE") i

November 23, 2022 EX-99.1

Yiren Digital Reports Third Quarter 2022 Financial Results

Exhibit 99.1 Yiren Digital Reports Third Quarter 2022 Financial Results BEIJING, Nov. 22, 2022 /PRNewswire/ - Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading digital personal financial management platform in China, today announced its unaudited financial results for the quarter ended September 30, 2022. Third Quarter 2022 Operational Highlights Holistic Wealth Business

November 23, 2022 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of November 2022 Commission File Number: 001-3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of November 2022 Commission File Number: 001-37657 YIREN DIGITAL LTD. 5/F, Hanwei Plaza, No. 7, Guanghua Road Chaoyang District, Beijing 100022 The People?s Republic of China (Address of principal

November 4, 2022 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of November 2022 Commission File Number: 001-3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of November 2022 Commission File Number: 001-37657 YIREN DIGITAL LTD. 5/F, Hanwei Plaza, No. 7, Guanghua Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal

November 4, 2022 EX-99.1

Yiren Digital Reports First Half 2022 Financial Results

Exhibit 99.1 Yiren Digital Reports First Half 2022 Financial Results BEIJING – November 3, 2022 – Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), a leading digital personal financial management platform in China, today announced its unaudited financial results for the six months ended June 30, 2022. First Half 2022 Operational Highlights Holistic Wealth Business ● Cumulative num

September 21, 2022 EX-13.2

Certification by Principal Financial Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

EXHIBIT 13.2 Certification by the Principal Financial Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 In connection with the Annual Report of Yiren Digital Ltd. (the “Company”) on Form 20-F for the year ended December 31, 2021 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Na Mei, Chief Financial Officer of the Company, certify, pursuan

September 21, 2022 EX-16.1

Letter from Deloitte Touche Tohmatsu Certified Public Accountants LLP to the Securities and Exchange Committee, dated September 21, 2022

EXHIBIT 16.1 September 21, 2022 Securities and Exchange Commission 100 F Street, N.E. Washington, D.C. 20549-7561 Dear Sirs/Madams: We have read Item 16F of Yiren Digital Ltd.'s Form 20-F dated September 21, 2022, and have the following comments: 1. We agree with the statements made in the first and fourth sentences of paragraph 1 and in paragraphs 2, 3 and 4 of Item 16F, for which we have a basis

September 21, 2022 20-F

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F

Table of Contents ? ? UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.

September 21, 2022 EX-12.2

Certification by Principal Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

EXHIBIT 12.2 Certification by the Principal Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 I, Na Mei, certify that: 1. I have reviewed this annual report on Form 20-F of Yiren Digital Ltd.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of th

September 21, 2022 EX-12.1

Certification by Principal Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

EXHIBIT 12.1 Certification by the Principal Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 I, Ning Tang, certify that: 1. I have reviewed this annual report on Form 20-F of Yiren Digital Ltd.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of

September 21, 2022 EX-15.2

Consent of Wei, Wei & Co., LLP

Exhibit 15.2 CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM We consent to the incorporation by reference in the Registration Statements on Form S-8 (No. 333-212056, No. 333-219404 and No. 333-248640) of our report dated September 21, 2022 relating to the financial statements of Yiren Digital Ltd. appearing in this Annual Report on Form 20-F for the year ended December 31, 2021. We also c

September 21, 2022 EX-13.1

Certification by Principal Executive Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

EXHIBIT 13.1 Certification by the Principal Executive Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 In connection with the Annual Report of Yiren Digital Ltd. (the “Company”) on Form 20-F for the year ended December 31, 2021 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Ning Tang, Chief Executive Officer of the Company, certify, purs

September 21, 2022 EX-15.1

Consent of Han Kun Law Offices

Exhibit 15.1 September 21, 2022 Yiren Digital Ltd. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China Dear Sir/Madam: We hereby consent to the reference of our name under the headings “Item 3. Key Information—D. Risk Factors—Risks Related to Our Corporate Structure” and “Item 4. Information on the Company—C. Organizational Structure” in Yiren Digital

September 21, 2022 EX-15.3

Consent of Deloitte Touche Tohmatsu Certified Public Accountants LLP

EX-15.3 9 yrd-20211231xex15d3.htm EXHIBIT 15.3 Exhibit 15.3 CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM We consent to the incorporation by reference in Registration Statement on Form S-8 (No. 333-212056, No. 333-219404 and No. 333-248640) of our report dated April 29, 2021, relating to the financial statements of Yiren Digital Ltd. appearing in this Annual Report on Form 20-F for the

September 7, 2022 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of September 2022 Commission File Number: 001-

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of September 2022 Commission File Number: 001-37657 YIREN DIGITAL LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People?s Republic of China (Address of principal exec

September 7, 2022 EX-99.1

Yiren Digital Announces Up to US$20 Million Share Repurchase Program

Exhibit 99.1 Yiren Digital Announces Up to US$20 Million Share Repurchase Program BEIJING, Sept. 6, 2022 /PRNewswire/ - Yiren Digital Ltd. ("Yiren Digital" or the "Company") (NYSE: YRD), a leading digital personal financial management platform in China, today announced that its board of directors has adopted a share repurchase program, which approves and authorizes the Company to repurchase throug

September 1, 2022 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of September 2022 Commission File Number: 001-

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of September 2022 Commission File Number: 001-37657 YIREN DIGITAL LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People?s Republic of China (Address of principal exec

May 20, 2022 EX-99.1

Yiren Digital Receives Notification from NYSE Regarding Delayed Form 20-F Filing

Exhibit 99.1 Yiren Digital Receives Notification from NYSE Regarding Delayed Form 20-F Filing BEIJING, MAY 20, 2022?Yiren Digital Ltd. (?Yiren Digital? or the ?Company?) (NYSE: YRD), a leading digital personal financial management platform in China, today announced that it received a notice from NYSE Regulation indicating that the Company is not in compliance with Section 802.01E of the NYSE Liste

May 20, 2022 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of May 2022 Commission File Number: 001-37657

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of May 2022 Commission File Number: 001-37657 YIREN DIGITAL LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People?s Republic of China (Address of principal executive

April 29, 2022 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of April 2022 Commission File Number: 001-3765

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of April 2022 - Commission File Number: 001-37657 - YIREN DIGITAL LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People?s Republic of China (Address of principal exec

April 29, 2022 EX-99.2

April 29, 2022

Exhibit 99.2 April 29, 2022 Securities and Exchange Commission Washington, DC 20549 Ladies and Gentlemen: We were previously principal accountants for Yiren Digital Ltd (the ?Company?). On April 28, 2022, we were dismissed. We have read the Company?s statements included under Form 6-K dated April 29, 2022, and we agree with the statements, except that we are not in a position to agree or disagree

April 29, 2022 NT 20-F

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 NOTIFICATION OF LATE FILING

SEC FILE NUMBER: 001-37657 CUSIP NUMBER: G9844L107 UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.

April 29, 2022 EX-99.1

Yiren Digital Selects Wei, Wei & Co., LLP as its Independent Registered Public Accounting Firm

Exhibit 99.1 Yiren Digital Selects Wei, Wei & Co., LLP as its Independent Registered Public Accounting Firm BEIJING, April 29, 2022 ? Yiren Digital Ltd. (NYSE: YRD) (?Yiren Digital? or the ?Company?), a leading digital personal financial management platform in China, today announced that, effective as of April 28, 2022, the Company engaged Wei, Wei & Co., LLP (?WWC?), as the Company?s independent

December 13, 2021 EX-99.1

Yiren Digital Selects KPMG as its Independent Registered Public Accounting Firm

Exhibit 99.1 Yiren Digital Selects KPMG as its Independent Registered Public Accounting Firm BEIJING, December 13, 2021 ? Yiren Digital Ltd. (NYSE: YRD) (?Yiren Digital? or the ?Company?), a leading digital personal financial management platform in China, today announced that, effective as of December 13, 2021, the Company engaged KPMG Huazhen LLP (?KPMG?), as the Company?s independent registered

December 13, 2021 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of December 2021 Commission File Number: 001-3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of December 2021 Commission File Number: 001-37657 YIREN DIGITAL LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People?s Republic of China (Address of principal execu

November 26, 2021 EX-99.1

Unaudited Condensed Consolidated Statements of Operations (in thousands, except for share, per share and per ADS data, and percentages)

Exhibit 99.1 Yiren Digital Reports Third Quarter 2021 Financial Results 11/24/21 BEIJING, Nov. 24, 2021 /PRNewswire/ - Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading digital personal financial management platform in China, today announced its unaudited financial results for the third quarter ended September 30, 2021. Third Quarter 2021 Operational Highlights Wealth Ma

November 26, 2021 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of November 2021 Commission File Number: 001-3

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of November 2021 Commission File Number: 001-37657 YIREN DIGITAL LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People?s Republic of China (Address of principal execu

August 20, 2021 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of August 2021 Commission File Number: 001-376

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of August 2021 Commission File Number: 001-37657 YIREN DIGITAL LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People?s Republic of China (Address of principal executi

August 20, 2021 EX-99.1

Unaudited Condensed Consolidated Statements of Operations (in thousands, except for share, per share and per ADS data, and percentages)

Exhibit 99.1 Yiren Digital Reports Second Quarter 2021 Financial Results BEIJING, Aug. 19, 2021 /PRNewswire/ - Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading digital personal financial management platform in China, today announced its unaudited financial results for the second quarter ended June 30, 2021. Second Quarter 2021 Operational Highlights Wealth Management ?

June 10, 2021 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of June 2021 Commission File Number: 001-37657

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of June 2021 Commission File Number: 001-37657 YIREN DIGITAL LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People?s Republic of China (Address of principal executive

June 10, 2021 EX-99.1

Unaudited Condensed Consolidated Statements of Operations (in thousands, except for share, per share and per ADS data, and percentages)

Exhibit 99.1 Yiren Digital Reports First Quarter 2021 Financial Results 06/09/21 BEIJING, June 9, 2021 /PRNewswire/ - Yiren Digital Ltd. (NYSE: YRD) ("Yiren Digital" or the "Company"), a leading digital personal financial management platform in China, today announced its unaudited financial results for the first quarter ended March 31, 2021. First Quarter 2021 Operational Highlights Wealth Managem

April 29, 2021 EX-4.22

Exclusive Option Agreements, dated April 21, 2021, among YouRace Hengchuang (formerly known as Yiren Hengye Technology Development (Beijing) Co., Ltd.), Tianjin Linyang and the shareholders of Tianjin Linyang (incorporated herein by reference to Exhibit 4.22 to the Registrant’s annual report on Form 20-F (File No. 001-37657), filed with the Securities and Exchange Commission on April 29, 2021)

Exhibit 4.22 Exclusive Option Agreement This Exclusive Option Agreement (this ?Agreement?) is executed by and among the following Parties as of April 21, 2021 in Beijing, the People?s Republic of China (?China? or the ?PRC?): Party A: YouRace Hengchuang Technology Development (Beijing) Co., Ltd., a wholly foreign owned enterprise, organized and existing under the laws of the PRC, with its address

April 29, 2021 EX-12.2

Certification by the Principal Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

EXHIBIT 12.2 Certification by the Principal Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 I, Na Mei, certify that: 1. I have reviewed this annual report on Form 20-F of Yiren Digital Ltd.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of th

April 29, 2021 EX-4.18

Loan Agreements, dated April 21, 2021, between YouRace Hengchuang (formerly known as Yiren Hengye Technology Development (Beijing) Co., Ltd.) and the shareholders of Tianjin Linyang (incorporated herein by reference to Exhibit 4.18 to the Registrant’s annual report on Form 20-F (File No. 001-37657), filed with the Securities and Exchange Commission on April 29, 2021)

Exhibit 4.18 Loan Agreement This Loan Agreement (this ?Agreement?) is made and entered into by and between the Parties below as of April 21, 2021 in Beijing, China: (1) YouRace Hengchuang Technology Development (Beijing) Co., Ltd. (?Lender?), a wholly foreign owned enterprise, organized and existing under the laws of the PRC, with its address at Room 1018, Floor 10, Building 9, Yard No. 91, Jiangu

April 29, 2021 EX-13.1

Certification by the Principal Executive Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

EXHIBIT 13.1 Certification by the Principal Executive Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 In connection with the Annual Report of Yiren Digital Ltd. (the ?Company?) on Form 20-F for the year ended December 31, 2020 as filed with the Securities and Exchange Commission on the date hereof (the ?Report?), I, Ning Tang, Chief Executive Officer of the Company, certify, purs

April 29, 2021 EX-13.2

Certification by the Principal Financial Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

EXHIBIT 13.2 Certification by the Principal Financial Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 In connection with the Annual Report of Yiren Digital Ltd. (the ?Company?) on Form 20-F for the year ended December 31, 2020 as filed with the Securities and Exchange Commission on the date hereof (the ?Report?), I, Na Mei, Chief Financial Officer of the Company, certify, pursuan

April 29, 2021 EX-4.12

Second Amended and Restated Non-competition Agreement between CreditEase Holdings (Cayman) Limited and the Registrant dated December 31, 2020 (incorporated herein by reference to Exhibit 4.12 to the Registrant’s annual report on Form 20-F (File No. 001-37657), filed with the Securities and Exchange Commission on April 29, 2021)

Exhibit 4.12 EXECUTION VERSION SECOND AMENDED AND RESTATED NON-COMPETITION AGREEMENT by and between CREDITEASE HOLDINGS (CAYMAN) LIMITED and YIREN DIGITAL LTD. Dated as of December 31, 2020 TABLE OF CONTENTS ARTICLE 1 DEFINITIONS Section 1.1 Defined Terms 1 ARTICLE 2 NON-COMPETITION Section 2.1 Undertaking of the CreditEase Group 3 Section 2.2 Undertaking of the Yiren Digital Group 3 ARTICLE 3 NON

April 29, 2021 EX-12.1

Certification by the Principal Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

EXHIBIT 12.1 Certification by the Principal Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 I, Ning Tang, certify that: 1. I have reviewed this annual report on Form 20-F of Yiren Digital Ltd.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of

April 29, 2021 EX-4.11

Restructuring Agreement between CreditEase Holdings (Cayman) Limited and the Registrant dated December 31, 2020 (incorporated herein by reference to Exhibit 4.11 to the Registrant’s annual report on Form 20-F (File No. 001-37657), filed with the Securities and Exchange Commission on April 29, 2021)

Exhibit 4.11 EXECUTION VERSION RESTRUCTURING AGREEMENT DATED AS OF DECEMBER 31, 2020 by and between YIREN DIGITAL LTD. and CREDITEASE HOLDINGS (CAYMAN) LIMITED TABLE OF CONTENTS 1. DEFINITIONS 1 2. THE TRANSACTION 5 2.1 Execution of Transaction Documents 5 2.2 Payment by CreditEase 5 3. CLOSING; CLOSING DELIVERIES 5 3.1 Closing 5 3.2 Deliveries by Yiren Digital at the Closing 6 3.3 Deliveries by C

April 29, 2021 20-F

- 20-F

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F (Mark One) o REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2020. OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)

April 29, 2021 EX-4.26

Exclusive Business Cooperation Agreement, dated October 27, 2020, between YouRace Hengchuang and CreditEase Puhui (incorporated herein by reference to Exhibit 4.26 to the Registrant’s annual report on Form 20-F (File No. 001-37657), filed with the Securities and Exchange Commission on April 29, 2021)

Exhibit 4.26 Exclusive Business Cooperation Agreement This Exclusive Business Cooperation Agreement (this ?Agreement?) is made and entered into by and between the following parties on October 27, 2020 in Beijing, the People?s Republic of China (?China? or the ?PRC?). Party A: YouRace Hengchuang Technology Development (Beijing) Co., Ltd. Address: Room 1018, Floor 10, Building 9, Yard No. 91, Jiangu

April 29, 2021 EX-4.27

Exclusive Option Agreements, dated October 27, 2020, among YouRace Hengchuang, CreditEase Puhui and the shareholders of CreditEase Puhui (incorporated herein by reference to Exhibit 4.27 to the Registrant’s annual report on Form 20-F (File No. 001-37657), filed with the Securities and Exchange Commission on April 29, 2021)

Exhibit 4.27 Exclusive Option Agreement This Exclusive Option Agreement (this ?Agreement?) is executed by and among the following Parties as of October 27, 2020 in Beijing, the People?s Republic of China (?China? or the ?PRC?): Party A: YouRace Hengchuang Technology Development (Beijing) Co., Ltd., a wholly foreign owned enterprise, organized and existing under the laws of the PRC, with its addres

April 29, 2021 EX-4.24

Equity Interest Pledge Agreements, dated October 27, 2020, among YouRace Hengchuang, CreditEase Puhui and the shareholders of CreditEase Puhui (incorporated herein by reference to Exhibit 4.24 to the Registrant’s annual report on Form 20-F (File No. 001-37657), filed with the Securities and Exchange Commission on April 29, 2021)

Exhibit 4.24 Equity Interest Pledge Agreement This Equity Interest Pledge Agreement (this ?Agreement?) has been executed by and among the following parties on October 27, 2020 in Beijing, the People?s Republic of China (?China? or the ?PRC?): Party A: YouRace Hengchuang Technology Development (Beijing) Co., Ltd. (hereinafter ?Pledgee?), a wholly foreign owned enterprise, organized and existing und

April 29, 2021 EX-4.19

Equity Interest Pledge Agreements, dated April 21, 2021, among YouRace Hengchuang (formerly known as Yiren Hengye Technology Development (Beijing) Co., Ltd.), Tianjin Linyang and the shareholders of Tianjin Linyang (incorporated herein by reference to Exhibit 4.19 to the Registrant’s annual report on Form 20-F (File No. 001-37657), filed with the Securities and Exchange Commission on April 29, 2021)

Exhibit 4.19 Equity Interest Pledge Agreement This Equity Interest Pledge Agreement (this ?Agreement?) has been executed by and among the following parties on April 21, 2021 in Beijing, the People?s Republic of China (?China? or the ?PRC?): Party A: YouRace Hengchuang Technology Development (Beijing) Co., Ltd. (hereinafter ?Pledgee?), a wholly foreign owned enterprise, organized and existing under

April 29, 2021 EX-15.1

April 29, 2021

EXHIBIT 15.1 April 29, 2021 Yiren Digital Ltd. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People?s Republic of China Dear Sir/Madam: We hereby consent to the reference of our name under the headings ?Item 3. Key Information?D. Risk Factors?Risks Related to Our Corporate Structure? and ?Item 4. Information on the Company?C. Organizational Structure? in Yiren Digital Ltd

April 29, 2021 EX-15.2

CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM

Exhibit 15.2 CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM We consent to the incorporation by reference in the Registration Statements on Form S-8 (No. 333-212056, No. 333-219404 and No. 333-248640) of our report dated April 29, 2021 relating to the financial statements of Yiren Digital Ltd. appearing in this Annual Report on Form 20-F for the year ended December 31, 2020. /s/ Deloitte

April 29, 2021 EX-4.20

Powers of Attorney granted to YouRace Hengchuang (formerly known as Yiren Hengye Technology Development (Beijing) Co., Ltd.) by the shareholders of Tianjin Linyang, dated April 21, 2021 (incorporated herein by reference to Exhibit 4.20 to the Registrant’s annual report on Form 20-F (File No. 001-37657), filed with the Securities and Exchange Commission on April 29, 2021)

Exhibit 4.20 Power of Attorney I, Yang Wang, a Chinese citizen with Chinese Identification Card No.: *****, and a holder of 10% of the entire registered capital in Tianjin Linyang Information and Technology Co., Ltd. (?Tianjin Linyang?) as of the date when the Power of Attorney is executed, hereby irrevocably authorize YouRace Hengchuang Technology Development (Beijing) Co., Ltd. (?WFOE?) to exerc

April 29, 2021 EX-4.21

Exclusive Business Cooperation Agreement, dated April 21, 2021, between YouRace Hengchuang (formerly known as Yiren Hengye Technology Development (Beijing) Co., Ltd.) and Tianjin Linyang (incorporated herein by reference to Exhibit 4.21 to the Registrant’s annual report on Form 20-F (File No. 001-37657), filed with the Securities and Exchange Commission on April 29, 2021)

Exhibit 4.21 Exclusive Business Cooperation Agreement This Exclusive Business Cooperation Agreement (this ?Agreement?) is made and entered into by and between the following parties on April 21, 2021 in Beijing, the People?s Republic of China (?China? or the ?PRC?). Party A: YouRace Hengchuang Technology Development (Beijing) Co., Ltd. Address: Room 1018, Floor 10, Building 9, Yard No. 91, Jianguo

April 29, 2021 EX-4.25

Powers of Attorney granted to YouRace Hengchuang by the shareholders of CreditEase Puhui, dated October 27, 2020 (incorporated herein by reference to Exhibit 4.25 to the Registrant’s annual report on Form 20-F (File No. 001-37657), filed with the Securities and Exchange Commission on April 29, 2021)

Exhibit 4.25 Power of Attorney I, Ning Tang, a Chinese citizen with Chinese Identification Card No.: *****, and a holder of 99% of the entire registered capital in CreditEase Puhui Information Consultant (Beijing) Co., Ltd. (?CreditEase Puhui?) as of the date when the Power of Attorney is executed, hereby irrevocably authorize YouRace Hengchuang Technology Development (Beijing) Co., Ltd. (?WFOE?)

April 29, 2021 EX-4.23

Loan Agreements, dated October 27, 2020, between YouRace Hengchuang and the shareholders of CreditEase Puhui (incorporated herein by reference to Exhibit 4.23 to the Registrant’s annual report on Form 20-F (File No. 001-37657), filed with the Securities and Exchange Commission on April 29, 2021)

Exhibit 4.23 Loan Agreement This Loan Agreement (this ?Agreement?) is made and entered into by and between the Parties below as of October 27, 2020 in Beijing, China: (1) YouRace Hengchuang Technology Development (Beijing) Co., Ltd. (?Lender?), a wholly foreign owned enterprise, organized and existing under the laws of the PRC, with its address at Room 1018, Floor 10, Building 9, Yard No. 91, Jian

April 2, 2021 6-K

Current Report of Foreign Issuer - 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of April 2021 Commission File Number: 001-37657 YIREN DIGITAL LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People?s Republic of China (Address of principal executiv

April 2, 2021 EX-99.1

Yiren Digital Reports Fourth Quarter and Fiscal Year 2020 Financial Results

Exhibit 99.1 Yiren Digital Reports Fourth Quarter and Fiscal Year 2020 Financial Results BEIJING, April 1, 2021 /PRNewswire/ ? Yiren Digital Ltd. (NYSE: YRD) (?Yiren Digital? or the ?Company?), a leading comprehensive personal financial service platform in China, today announced its unaudited financial results for the fourth quarter and the fiscal year ended December 31, 2020. On December 31, 2020

January 29, 2021 6-K

Current Report of Foreign Issuer - 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of January 2021 Commission File Number: 001-37657 YIREN DIGITAL LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal execut

December 31, 2020 6-K

Current Report of Foreign Issuer - FORM 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of December 2020 - Commission File Number: 001-37657 - YIREN DIGITAL LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal e

December 31, 2020 6-K

Current Report of Foreign Issuer - FORM 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of December 2020 Commission File Number: 001-37657 YIREN DIGITAL LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal execu

November 27, 2020 EX-99.1

Yiren Digital Reports Third Quarter 2020 Financial Results

Exhibit 99.1 Yiren Digital Reports Third Quarter 2020 Financial Results BEIJING — November 26, 2020 — Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), a leading fintech company in China, today announced its unaudited financial results for the third quarter ended September 30, 2020. Third Quarter 2020 Operational Highlights Wealth Management—Yiren Wealth · Cumulative number of inv

November 27, 2020 6-K

Current Report of Foreign Issuer - 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of November 2020 Commission File Number: 001-37657 YIREN DIGITAL LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal execu

October 22, 2020 CORRESP

AUA as of December 31, 2017

Yiren Digital Ltd. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People?s Republic of China October 22, 2020 VIA EDGAR Mr. Michael Volley, Staff Accountant Mr. Ben Phippen, Staff Accountant Office of Financial Services Division of Corporation Finance U.S. Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549 Re: Yiren Digital Ltd. (the ?Company?) Form

September 30, 2020 CORRESP

September 30, 2020

YIREN DIGITAL LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People?s Republic of China September 30, 2020 VIA EDGAR Mr. Ben Phippen, Staff Accountant Mr. Michael Volley, Staff Accountant Office of Financial Services Division of Corporation Finance U.S. Securities and Exchange Commission 100 F Street, NE Washington, D.C. 20549 Re: Yiren Digital Ltd. (the ?Company?) Fo

September 8, 2020 S-8

- S-8

As filed with the Securities and Exchange Commission on September 8, 2020 Registration No.

September 8, 2020 EX-10.1

2020 Share Incentive Plan (incorporated herein by reference to Exhibit 10.1 to the registration statement on Form S-8 (File No. 333-248640), filed with the Securities and Exchange Commission on September 8, 2020)

Exhibit 10.1 YIREN DIGITAL LTD. 2020 SHARE INCENTIVE PLAN ARTICLE 1 PURPOSE The purpose of this 2020 Share Incentive Plan (the “Plan”) is to promote the success and enhance the value of Yiren Digital Ltd., a company formed under the laws of the Cayman Islands (the “Company”), by linking the personal interests of the Directors, Employees, and Consultants to those of the Company’s shareholders and b

August 28, 2020 EX-99.1

Yiren Digital Reports Second Quarter 2020 Financial Results

EX-99.1 2 a20-297801ex99d1.htm EX-99.1 Exhibit 99.1 Yiren Digital Reports Second Quarter 2020 Financial Results BEIJING — August 27, 2020 — Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), a leading fintech company in China, today announced its unaudited financial results for the second quarter ended June 30, 2020. Second Quarter 2020 Operational Highlights Wealth Management—Yire

August 28, 2020 6-K

Current Report of Foreign Issuer - 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of August 2020 Commission File Number: 001-37657 YIREN DIGITAL LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal executi

June 24, 2020 6-K

Current Report of Foreign Issuer - 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of June 2020 Commission File Number: 001-37657 YIREN DIGITAL LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal executive

June 24, 2020 EX-99.1

Yiren Digital Reports First Quarter 2020 Financial Results

Exhibit 99.1 Yiren Digital Reports First Quarter 2020 Financial Results BEIJING — June 23, 2020 — Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), a leading fintech company in China, today announced its unaudited financial results for the first quarter ended March 31, 2020. First Quarter 2020 Operational Highlights Wealth Management—Yiren Wealth · Cumulative number of investors s

May 15, 2020 EX-4.18

Powers of Attorney granted to Hengyuda by the shareholders of Yiren Wealth, dated December 19, 2019 (incorporated herein by reference to Exhibit 4.18 to the Registrant’s annual report on Form 20-F (File No. 001-37657), filed with the Securities and Exchange Commission on May 15, 2020)

EX-4.18 10 a20-15061ex4d18.htm EX-4.18 Exhibit 4.18 Power of Attorney Pucheng Credit Assessment and Management (Beijing) Co., Ltd. (the “Company”), a limited liability company organized and existing under the laws of China, with its address at Room 1601, Floor 13, Building 1, West Dawang Street, Chaoyang District, Beijing, and a holder of 73.47% of the entire registered capital in Yiren Financial

May 15, 2020 EX-4.30

Exclusive Option Agreements, dated January 10, 2020, among Hengyuda, Beijing Kechuang and the shareholders of Beijing Kechuang

Exhibit 4.30 Exclusive Option Agreement This Exclusive Option Agreement (this “Agreement”) is executed by and among the following Parties as of January 10, 2020 in Beijing, the People’s Republic of China (“China” or the “PRC”): Party A: Chongqing Heng Yu Da Technology Co., Ltd., a wholly foreign owned enterprise, organized and existing under the laws of the PRC, with its address at Unit 1, 2, 3, 4

May 15, 2020 EX-4.24

Exclusive Business Cooperation Agreement, dated December 4, 2019, between Hengye and Linyang

Exhibit 4.24 Exclusive Business Cooperation Agreement This Exclusive Business Cooperation Agreement (this “Agreement”) is made and entered into by and between the following parties on December 4, 2019 in Beijing, the People’s Republic of China (“China” or the “PRC”). Party A: Yi Ren Heng Ye Technology Development (Beijing) Co., Ltd. Address: Room 1018, Floor 10, Building 9, Yard No. 91, Jianguo St

May 15, 2020 EX-4.21

Loan Agreements, dated December 4, 2019, between Hengye and the shareholders of Linyang

Exhibit 4.21 Loan Agreement This Loan Agreement (this “Agreement”) is made and entered into by and between the Parties below as of December 4, 2019 in Beijing, China: (1) Yi Ren Heng Ye Technology Development (Beijing) Co., Ltd. (“Lender”), a wholly foreign owned enterprise, organized and existing under the laws of the PRC, with its address at Room 1018, Floor 10, Building 9, Yard No. 91, Jianguo

May 15, 2020 EX-4.11

Amended and Restated Loan Agreements, dated August 29, 2019, between Hengye and the shareholders of Hengcheng

Exhibit 4.11 Amended and Restated Loan Agreement This Loan Agreement (this “Agreement”) is made and entered into by and between the Parties below as of August 29, 2019 in Beijing, China: (1) Yi Ren Heng Ye Technology Development (Beijing) Co., Ltd. (“Lender”), a wholly foreign owned enterprise, organized and existing under the laws of the PRC, with its address at Room 1018, 10 FL, No.9 Building, N

May 15, 2020 EX-12.2

Certification by Principal Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

EXHIBIT 12.2 Certification by the Principal Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 I, Zhong Bi, certify that: 1. I have reviewed this annual report on Form 20-F of Yiren Digital Ltd.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of

May 15, 2020 EX-4.25

Exclusive Option Agreements, dated December 4, 2019, among Hengye, Linyang and the shareholders of Linyang

Exhibit 4.25 Exclusive Option Agreement This Exclusive Option Agreement (this “Agreement”) is executed by and among the following Parties as of December 4, 2019 in Beijing, the People’s Republic of China (“China” or the “PRC”): Party A: Yi Ren Heng Ye Technology Development (Beijing) Co., Ltd., a wholly foreign owned enterprise, organized and existing under the laws of the PRC, with its address at

May 15, 2020 EX-4.17

Equity Interest Pledge Agreement and Amended and Restated Equity Interest Pledge Agreements, dated December 19, 2019, among Hengyuda, Yiren Wealth and the shareholders of Yiren Wealth (incorporated herein by reference to Exhibit 4.17 to the Registrant’s annual report on Form 20-F (File No. 001-37657), filed with the Securities and Exchange Commission on May 15, 2020)

Exhibit 4.17 Equity Interest Pledge Agreement This Equity Interest Pledge Agreement (this “Agreement”) has been executed by and among the following parties on December 19, 2019 in Beijing, the People’s Republic of China (“China” or the “PRC”): Party A: Chongqing Heng Yu Da Technology Co., Ltd. (hereinafter “Pledgee”), a wholly foreign owned enterprise, organized and existing under the laws of the

May 15, 2020 EX-4.13

Powers of Attorney granted to Hengye by the shareholders of Hengcheng, dated August 29, 2019

Exhibit 4.13 Power of Attorney I, Ning Tang, a Chinese citizen with Chinese Identification Card No.: *****, and a holder of 93% of the entire registered capital in Heng Cheng Technology Development Co., Ltd. (“Hengcheng Technology”) as of the date when the Power of Attorney is executed, hereby irrevocably authorize Yi Ren Heng Ye Technology Development (Beijing) Co., Ltd. (“WFOE”) to exercise the

May 15, 2020 EX-15.2

Consent of Deloitte Touche Tohmatsu Certified Public Accountants LLP

EX-15.2 28 a20-15061ex15d2.htm EX-15.2 Exhibit 15.2 CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM We consent to the incorporation by reference in the Registration Statements on Form S-8 (No. 333-212056 and No. 333-219404) of our reports dated May 15, 2020, relating to the financial statements of Yiren Digital Ltd. (formerly known as Yirendai Ltd.) and the effectiveness of Yiren Digital

May 15, 2020 EX-12.1

Certification by Principal Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

EXHIBIT 12.1 Certification by the Principal Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 I, Ning Tang, certify that: 1. I have reviewed this annual report on Form 20-F of Yiren Digital Ltd.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of

May 15, 2020 EX-4.28

Powers of Attorney granted to Hengyuda by the shareholders of Beijing Kechuang, dated January 10, 2020

Exhibit 4.28 Power of Attorney I, Ning Tang, a Chinese citizen with Chinese Identification Card No.: *****, and a holder of 90% of the entire registered capital in Beijing Kechuang Xinlian Technology Co., Ltd. (“Kechuang Xinlian”) as of the date when the Power of Attorney is executed, hereby irrevocably authorize Yiren Heng Ye Technology (Beijing) Co., Ltd. (“WFOE”) to exercise the following right

May 15, 2020 EX-4.20

Exclusive Option Agreement and Amended and Restated Exclusive Option Agreements, dated December 19, 2019, among Hengyuda, Yiren Wealth and the shareholders of Yiren Wealth (incorporated herein by reference to Exhibit 4.20 to the Registrant’s annual report on Form 20-F (File No. 001-37657), filed with the Securities and Exchange Commission on May 15, 2020)

Exhibit 4.20 Exclusive Option Agreement This Exclusive Option Agreement (this “Agreement”) is executed by and among the following Parties as of December 19, 2019 in Beijing, the People’s Republic of China (“China” or the “PRC”): Party A: Chongqing Heng Yu Da Technology Co., Ltd., a wholly foreign owned enterprise, organized and existing under the laws of the PRC, with its address at Unit 1, 2, 3,

May 15, 2020 EX-4.14

Amended and Restated Exclusive Business Cooperation Agreement, dated August 29, 2019, between Hengye and Hengcheng

Exhibit 4.14 Amended and Restated Exclusive Business Cooperation Agreement This Amended and Restated Exclusive Business Cooperation Agreement (this “Agreement”) is made and entered into by and between the following parties on August 29, 2019 in Beijing, the People’s Republic of China (“China” or the “PRC”). Party A: Yi Ren Heng Ye Technology Development (Beijing) Co., Ltd. Address: Room 1018, 10 F

May 15, 2020 EX-4.26

Loan Agreements, dated January 10, 2020, between Hengyuda and the shareholders of Beijing Kechuang

Exhibit 4.26 Loan Agreement This Loan Agreement (this “Agreement”) is made and entered into by and between the Parties below as of January 10, 2020 in Beijing, China: (1) Chongqing Heng Yu Da Technology Co., Ltd. (“Lender”), a wholly foreign owned enterprise, organized and existing under the laws of the PRC, with its address at Unit 1, 2, 3, 4, 5, 6, Floor 22, 7 Huasheng Road, Yuzhong District, Ch

May 15, 2020 EX-4.29

Exclusive Business Cooperation Agreement, dated January 10, 2020, between Hengyuda and Beijing Kechuang

Exhibit 4.29 Exclusive Business Cooperation Agreement This Exclusive Business Cooperation Agreement (this “Agreement”) is made and entered into by and between the following parties on January 10, 2020 in Beijing, the People’s Republic of China (“China” or the “PRC”). Party A: Chongqing Heng Yu Da Technology Co., Ltd. Address: Unit 1, 2, 3, 4, 5, 6, Floor 22, 7 Huasheng Road, Yuzhong District, Chon

May 15, 2020 EX-4.27

Equity Interest Pledge Agreements, dated January 10, 2020, among Hengyuda, Beijing Kechuang and the shareholders of Beijing Kechuang

Exhibit 4.27 Equity Interest Pledge Agreement This Equity Interest Pledge Agreement (this “Agreement”) has been executed by and among the following parties on January 10, 2020 in Beijing, the People’s Republic of China (“China” or the “PRC”): Party A: Chongqing Heng Yu Da Technology Co., Ltd. (hereinafter “Pledgee”), a wholly foreign owned enterprise, organized and existing under the laws of the P

May 15, 2020 EX-4.23

Powers of Attorney granted to Hengye by the shareholders of Linyang, dated December 4, 2019

Exhibit 4.23 Power of Attorney I, Lingjing Li, a Chinese citizen with Chinese Identification Card No.: *****, and a holder of 90% of the entire registered capital in Tianjin Linyang Information and Technology Co., Ltd. (“Tianjin Linyang”) as of the date when the Power of Attorney is executed, hereby irrevocably authorize Yi Ren Heng Ye Technology (Beijing) Co., Ltd. (“WFOE”) to exercise the follow

May 15, 2020 EX-4.22

Equity Interest Pledge Agreements, dated December 4, 2019, among Hengye, Linyang and the shareholders of Linyang

EX-4.22 13 a20-15061ex4d22.htm EX-4.22 Exhibit 4.22 Equity Interest Pledge Agreement This Equity Interest Pledge Agreement (this “Agreement”) has been executed by and among the following parties on December 4, 2019 in Beijing, the People’s Republic of China (“China” or the “PRC”): Party A: Yi Ren Heng Ye Technology Development (Beijing) Co., Ltd. (hereinafter “Pledgee”), a wholly foreign owned ent

May 15, 2020 EX-4.16

Loan Agreement and Amended and Restated Loan Agreements, dated December 19, 2019, between Hengyuda and the shareholders of Yiren Wealth (incorporated herein by reference to Exhibit 4.16 to the Registrant’s annual report on Form 20-F (File No. 001-37657), filed with the Securities and Exchange Commission on May 15, 2020)

Exhibit 4.16 Loan Agreement This Loan Agreement (this “Agreement”) is made and entered into by and between the Parties below as of December 19, 2019 in Beijing, China: (1) Chongqing Heng Yu Da Technology Co., Ltd., a wholly foreign owned enterprise, organized and existing under the laws of the PRC, with its address at Unit 1, 2, 3, 4, 5, 6, Floor 22, 7 Huasheng Road, Yuzhong District, Chongqing; (

May 15, 2020 EX-15.1

Consent of Han Kun Law Offices

EX-15.1 27 a20-15061ex15d1.htm EX-15.1 EXHIBIT 15.1 May 15, 2020 Yiren Digital Ltd. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China Dear Sir/Madam: We hereby consent to the reference of our name under the headings “Item 3. Key Information—D. Risk Factors—Risks Related to Our Corporate Structure” and “Item 4. Information on the Company—C. Organizat

May 15, 2020 EX-4.15

Amended and Restated Exclusive Option Agreements, dated August 29, 2019, among Hengye, Hengcheng and the shareholders of Hengcheng

Exhibit 4.15 Amended and Restated Exclusive Option Agreement This Amended and Restated Exclusive Option Agreement (this “Agreement”) is executed by and among the following Parties as of August 29, 2019 in Beijing, the People’s Republic of China (“China” or the “PRC”): Party A: Yi Ren Heng Ye Technology Development (Beijing) Co., Ltd., a wholly foreign owned enterprise, organized and existing under

May 15, 2020 EX-2.4

Description of securities of the Registrant registered under Section 12 of the Securities Exchange Act of 1934 (incorporated herein by reference to Exhibit 2.4 to the Registrant’s annual report on Form 20-F (File No. 001-37657), filed with the Securities and Exchange Commission on May 15, 2020)

Exhibit 2.4 Description of rights of each class of securities registered under Section 12 of the Securities Exchange Act of 1934 (the “Exchange Act”) American Depositary Shares (“ADSs”) each representing two ordinary shares of Yiren Digital Ltd., (“we,” “our,” “our company,” or “us”) are listed and traded on the New York Stock Exchange and, in connection with this listing (but not for trading), th

May 15, 2020 EX-13.2

Certification by Principal Financial Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

EXHIBIT 13.2 Certification by the Principal Financial Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 In connection with the Annual Report of Yiren Digital Ltd. (the “Company”) on Form 20-F for the year ended December 31, 2019 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Zhong Bi, Chief Financial Officer of the Company, certify, pursu

May 15, 2020 EX-13.1

Certification by Principal Executive Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

EXHIBIT 13.1 Certification by the Principal Executive Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 In connection with the Annual Report of Yiren Digital Ltd. (the “Company”) on Form 20-F for the year ended December 31, 2019 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Ning Tang, Chief Executive Officer of the Company, certify, purs

May 15, 2020 20-F

The Registrant’s annual report on Form 20-F for the fiscal year ended December 31, 2019 filed with the Commission on May 15, 2020; and

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F (Mark One) o REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2019. OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)

May 15, 2020 EX-4.12

Amended and Restated Equity Interest Pledge Agreements, dated August 29, 2019, among Hengye, Hengcheng and the shareholders of Hengcheng

Exhibit 4.12 Amended and Restated Equity Interest Pledge Agreement This Amended and Restated Equity Interest Pledge Agreement (this “Agreement”) has been executed by and among the following parties on August 29, 2019 in Beijing, the People’s Republic of China (“China” or the “PRC”): Party A: Yi Ren Heng Ye Technology Development (Beijing) Co., Ltd. (hereinafter “Pledgee”), a wholly foreign owned e

April 29, 2020 NT 20-F

- NT 20-F

OMB APPROVAL UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 12b-25 NOTIFICATION OF LATE FILING OMB Number: 3235-0058 Expires: February 28, 2022 Estimated average burden hours per response . . . . . . 2.50 SEC FILE NUMBER 001-37657 CUSIP NUMBER G9844L107 (Check one): o Form 10-K x Form 20-F o Form 11-K o Form 10-Q o Form 10-D o Form N-CEN o Form N-SAR o Form N-CSR For

March 26, 2020 EX-99.1

Yiren Digital Reports Fourth Quarter and Fiscal Year 2019 Financial Results

EX-99.1 2 a20-138721ex99d1.htm EX-99.1 Exhibit 99.1 Yiren Digital Reports Fourth Quarter and Fiscal Year 2019 Financial Results BEIJING — March 25, 2020 — Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), a leading fintech company in China, today announced its unaudited financial results for the fourth quarter and fiscal year ended December 31, 2019. Fourth Quarter and Fiscal Year

March 26, 2020 6-K

YRD / Yirendai Ltd. 6-K - Current Report of Foreign Issuer - 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of March 2020 Commission File Number: 001-37657 YIREN DIGITAL LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal executiv

December 27, 2019 6-K

YRD / Yirendai Ltd. 6-K - Current Report of Foreign Issuer - 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of December 2019 Commission File Number: 001-37657 YIREN DIGITAL LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal execu

December 27, 2019 EX-99.1

Yiren Digital Announced Changes in Board Composition and Management Team

Exhibit 99.1 Yiren Digital Announced Changes in Board Composition and Management Team BEIJING, Dec. 27, 2019 /PRNewswire/ — Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), a leading fintech company in China, announced today changes to its board of directors (the “Board”) and management team. Mr. Jingsheng Huang, Yiren Digital’s current independent director, will become a senior

November 15, 2019 6-K

YRD / Yirendai Ltd. 6-K - Current Report of Foreign Issuer - 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of November 2019 Commission File Number: 001-37657 YIREN DIGITAL LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal execu

November 15, 2019 EX-99.1

Unaudited Condensed Consolidated Statements of Operations (in thousands, except for share, per share and per ADS data, and percentages)

EX-99.1 2 a19-230481ex99d1.htm EX-99.1 Exhibit 99.1 Yiren Digital Reports Third Quarter 2019 Financial Results BEIJING, Nov. 14, 2019 (GLOBE NEWSWIRE) — Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), a leading fintech company in China, today announced its unaudited financial results for the third quarter ended September 30, 2019. Third Quarter 2019 Operational Highlights Wealth

November 4, 2019 424B3

AMERICAN DEPOSITARY RECEIPT AMERICAN DEPOSITARY SHARES DEPOSITED ORDINARY SHARES YIREN DIGITAL LTD. (Incorporated under the laws of the Cayman Islands)

Filed pursuant to Rule 424(b)(3) Registration Statement on Form F-6 Number: 333-208437 [This revised form of American Depositary Receipt is filed to reflect that the Company changed its name from Yirendai Ltd to Yiren Digital Ltd, effective October 1, 2019.

November 1, 2019 EX-99.1

Yiren Digital Ltd. to Hold 2019 Annual General Meeting on November 15, 2019

Exhibit 99.1 Yiren Digital Ltd. to Hold 2019 Annual General Meeting on November 15, 2019 Beijing, November 1, 2019 — Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), a leading fintech company in China, today announced that it will hold its 2019 annual general meeting of shareholders at 10/F, Tower B, Gemdale Plaza, 91 Jianguo Road, Chaoyang District, Beijing 100022, the People’s

November 1, 2019 6-K

YRD / Yirendai Ltd. 6-K - Current Report of Foreign Issuer - 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of November 2019 Commission File Number: 001-37657 YIREN DIGITAL LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal execu

November 1, 2019 EX-99.2

YIREN DIGITAL LTD. (Incorporated in the Cayman Islands with limited liability) (NYSE Ticker: YRD) NOTICE OF ANNUAL GENERAL MEETING to Be Held on November 15, 2019 (or any adjourned or postponed meeting thereof)

Exhibit 99.2 YIREN DIGITAL LTD. (Incorporated in the Cayman Islands with limited liability) (NYSE Ticker: YRD) NOTICE OF ANNUAL GENERAL MEETING to Be Held on November 15, 2019 (or any adjourned or postponed meeting thereof) NOTICE IS HEREBY GIVEN that an annual general meeting (“AGM”) of Yiren Digital Ltd. (the “Company”) will be held at 10/F, Tower B, Gemdale Plaza, 91 Jianguo Road, Chaoyang Dist

September 30, 2019 EX-99.1

Yiren Digital Ltd. Announces Name Change

EX-99.1 2 a19-191871ex99d1.htm EX-99.1 Exhibit 99.1 Yiren Digital Ltd. Announces Name Change BEIJING — September 30, 2019 — Yiren Digital Ltd. (NYSE: YRD) (“Yiren Digital” or the “Company”), previously named as Yirendai Ltd., a leading fintech company in China, today announced that in an extraordinary general meeting of the shareholders of the Company held in 10/F, Tower B, Gemdale Plaza, 91 Jiang

September 30, 2019 6-K

YRD / Yirendai Ltd. 6-K - Current Report of Foreign Issuer - 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of September 2019 Commission File Number: 001-37657 YIREN DIGITAL LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal exec

September 4, 2019 EX-99.1

Unaudited Condensed Consolidated Statements of Operations (in thousands, except for share, per share and per ADS data, and percentages)

EX-99.1 2 a19-182491ex99d1.htm EX-99.1 Exhibit 99.1 Yirendai Reports Second Quarter 2019 Financial Results BEIJING, Sept. 03, 2019 (GLOBE NEWSWIRE) — Yirendai Ltd. (NYSE: YRD) (“Yirendai” or the “Company”), a leading fintech company in China, today announced its unaudited financial results for the second quarter ended June 30, 2019. Second Quarter 2019 Operational Highlights Wealth Management—Yire

September 4, 2019 6-K

YRD / Yirendai Ltd. 6-K - Current Report of Foreign Issuer - 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of September 2019 Commission File Number: 001-37657 YIRENDAI LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal executive

August 6, 2019 EX-99.3

Yirendai Ltd. (Incorporated in the Cayman Islands with limited liability) (NYSE Ticker: YRD) Form of Proxy for Extraordinary General Meeting to Be Held on September 30, 2019 (or any adjourned or postponed meeting thereof)

EX-99.3 4 a19-166851ex99d3.htm EX-99.3 Exhibit 99.3 Yirendai Ltd. (Incorporated in the Cayman Islands with limited liability) (NYSE Ticker: YRD) Form of Proxy for Extraordinary General Meeting to Be Held on September 30, 2019 (or any adjourned or postponed meeting thereof) Introduction This form of proxy (the “Form of Proxy”) is furnished in connection with the solicitation by the board of directo

August 6, 2019 EX-99.4

Yirendai Ltd. (Incorporated in the Cayman Islands with limited liability) (NYSE Ticker: YRD) Ballot for the Extraordinary General Meeting Held on September 30, 2019 (or any adjourned or postponed meeting thereof)

Exhibit 99.4 Yirendai Ltd. (Incorporated in the Cayman Islands with limited liability) (NYSE Ticker: YRD) Ballot for the Extraordinary General Meeting Held on September 30, 2019 (or any adjourned or postponed meeting thereof) I/We of , being the registered holder of ordinary shares 1, par value US$0.0001 per share, of Yirendai Ltd. (the “Company”), hereby cast my ballot as follows: No. RESOLUTION

August 6, 2019 EX-99.5

1

Exhibit 99.5 August 19, 2019 Yirendai Ltd. Please be advised of the following Depositary’s Notice of Extraordinary General Meeting of Shareholders: Depositary Receipt Information CUSIP: 98585L100 (DTC Eligible) DR ISIN: US98585L1008 Country of Incorporation: Cayman Islands Meeting Details: Extraordinary General Meeting at 11:00 a.m. (Beijing time) at 10/F, Tower B, Gemdale Plaza, 91 Jianguo Road,

August 6, 2019 EX-99.2

Yirendai Ltd. (Incorporated in the Cayman Islands with limited liability) (NYSE Ticker: YRD) NOTICE OF EXTRAORDINARY GENERAL MEETING to be held on September 30, 2019 (or any adjourned or postponed meeting thereof)

Exhibit 99.2 Yirendai Ltd. (Incorporated in the Cayman Islands with limited liability) (NYSE Ticker: YRD) NOTICE OF EXTRAORDINARY GENERAL MEETING to be held on September 30, 2019 (or any adjourned or postponed meeting thereof) NOTICE IS HEREBY GIVEN that an extraordinary general meeting (the “EGM”) of Yirendai Ltd. (the “Company”) will be held at 10/F, Tower B, Gemdale Plaza, 91 Jianguo Road, Chao

August 6, 2019 EX-99.1

Yirendai Ltd. to hold an extraordinary general meeting on September 30, 2019

Exhibit 99.1 Yirendai Ltd. to hold an extraordinary general meeting on September 30, 2019 Beijing, August 6, 2019 — Yirendai Ltd. (NYSE: YRD) (“Yirendai” or the “Company”), a leading fintech company in China, today announced that it will hold an extraordinary general meeting of shareholders at 10/F, Tower B, Gemdale Plaza, 91 Jianguo Road, Chaoyang District, Beijing, the People’s Republic of China

August 6, 2019 6-K

YRD / Yirendai Ltd. 6-K - Current Report of Foreign Issuer - 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 Form 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of August 2019 Commission File Number: 001-37657 YIRENDAI LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal executive of

August 6, 2019 EX-99.6

- 0 EXTRAORDINARY GENERAL MEETING OF SHAREHOLDERS OF YIRENDAI LTD. (Continued and to be signed on the reverse side) 14475 1.1

EX-99.6 7 a19-166851ex99d6.htm EX-99.6 Exhibit 99.6 - 0 EXTRAORDINARY GENERAL MEETING OF SHAREHOLDERS OF YIRENDAI LTD. (Continued and to be signed on the reverse side) 14475 1.1 EXTRAORDINARY GENERAL MEETING OF SHAREHOLDERS OF YIRENDAI LTD. September 30, 2019 Please sign, date and mail your proxy card in the envelope provided so that your vote is received on or before 1:00 PM EST on September 24,

July 16, 2019 6-K/A

YRD / Yirendai Ltd. 6-K/A - Current Report of Foreign Issuer - 6-K/A

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K/A REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of July 2019 Commission File Number: 001-37657 YIRENDAI LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal executive of

July 16, 2019 EX-99.1

Yirendai Reports First Quarter 2019 Financial Results and Announces the Successful Closing of Business Realignment Transactions with CreditEase

Exhibit 99.1 Yirendai Reports First Quarter 2019 Financial Results and Announces the Successful Closing of Business Realignment Transactions with CreditEase BEIJING — July 10, 2019 — Yirendai Ltd. (NYSE: YRD) (“Yirendai” or the “Company”), a leading fintech company in China, today announced its unaudited financial results for the first quarter ended March 31, 2019 and the successful closing of the

July 16, 2019 EX-99.2

Amendment to the Share Subscription Agreement between CreditEase and Yirendai Ltd. dated July 10, 2019 (incorporated herein by reference to Exhibit 99.2 to CreditEase’s Schedule 13D filed with the Securities and Exchange Commission on July 16, 2019)

Exhibit 99.2 Execution Version AMENDMENT TO THE SHARE SUBSCRIPTION AGREEMENT THIS AMENDMENT TO THE SHARE SUBSCRIPTION AGREEMENT (this “Amendment”), dated July 10, 2019, is made by and between each of the undersigned parties. Reference is made to that certain Share Subscription Agreement, dated March 25, 2019, by and between Yirendai Ltd. (“Yirendai”) and CreditEase Holdings (Cayman) Limited (“Cred

July 16, 2019 SC 13D/A

YRD / Yirendai Ltd. / Tang Ning - SC 13D/A Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D/A Under the Securities Exchange Act of 1934 (Amendment No. 3) Yirendai Ltd. (Name of Issuer) Ordinary Shares, par value $0.0001 (Title of Class of Securities) G9844L107 (CUSIP Number) Ning Tang 5/F, Tower A, Winterless Center 1 West Dawang Road Chaoyang District, Beijing 100022 The People’s Republic of China Telep

July 16, 2019 SC 13D

YRD / Yirendai Ltd. / CreditEase Holdings (Cayman) Ltd - SC 13D Activist Investment

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 13D Under the Securities Exchange Act of 1934 Yirendai Ltd. (Name of Issuer) Ordinary Shares, par value $0.0001 (Title of Class of Securities) G9844L107 (CUSIP Number) CreditEase Holdings (Cayman) Limited 3/F, Tower A, Winterless Center 1 West Dawang Road Chaoyang District, Beijing 100022 The People’s Republic of Chin

July 16, 2019 EX-99.1

JOINT FILING AGREEMENT

Exhibit 99.1 JOINT FILING AGREEMENT In accordance with Rule 13d-1(k) promulgated under the Securities Exchange Act of 1934, as amended, the undersigned hereby agree to the joint filing with all other Reporting Persons (as such term is defined in the Schedule 13D referred to below) on behalf of each of them of a statement on Schedule 13D (including amendments thereto) with respect to the ordinary s

July 11, 2019 EX-99.1

Yirendai Reports First Quarter 2019 Financial Results and Announces the Successful Closing of Business Realignment Transactions with CreditEase

Exhibit 99.1 Yirendai Reports First Quarter 2019 Financial Results and Announces the Successful Closing of Business Realignment Transactions with CreditEase BEIJING — July 10, 2019 — Yirendai Ltd. (NYSE: YRD) (“Yirendai” or the “Company”), a leading fintech company in China, today announced its unaudited financial results for the first quarter ended March 31, 2019 and the successful closing of the

July 11, 2019 6-K

YRD / Yirendai Ltd. 6-K - Current Report of Foreign Issuer - 6-K

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of July 2019 Commission File Number: 001-37657 YIRENDAI LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal executive offi

April 29, 2019 EX-4.26

Exclusive Option Agreement among Heng Ye, Pu Hui and the shareholders of Pu Hui dated March 25, 2019

Exhibit 4.26 Exclusive Option Agreement This Exclusive Option Agreement (this “Agreement”) is executed by and among the following Parties as of March 25, 2019 in Beijing, the People’s Republic of China (“China” or the “PRC”): Party A: Yiren Heng Ye Technology Development (Beijing) Co., Ltd., a wholly foreign owned enterprise, organized and existing under the laws of the PRC, with its address at Ro

April 29, 2019 EX-4.32

Exclusive Option Agreement among Heng Ye, Hui Min and the shareholders of Hui Min dated March 25, 2019

Exhibit 4.32 Exclusive Option Agreement This Exclusive Option Agreement (this “Agreement”) is executed by and among the following Parties as of March 25, 2019 in Beijing, the People’s Republic of China (“China” or the “PRC”): Party A: Yiren Heng Ye Technology Development (Beijing) Co., Ltd., a wholly foreign owned enterprise, organized and existing under the laws of the PRC, with its address at Ro

April 29, 2019 EX-13.1

Certification by Principal Executive Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

EXHIBIT 13.1 Certification by the Principal Executive Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 In connection with the Annual Report of Yirendai Ltd. (the “Company”) on Form 20-F for the year ended December 31, 2018 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Yihan Fang, Chief Executive Officer of the Company, certify, pursuant

April 29, 2019 EX-12.1

Certification by Principal Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

EXHIBIT 12.1 Certification by the Principal Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 I, Yihan Fang, certify that: 1. I have reviewed this annual report on Form 20-F of Yirendai Ltd.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the

April 29, 2019 EX-4.24

Powers of Attorney granted to Heng Ye by the shareholders of Pu Hui dated March 25, 2019

EX-4.24 12 a18-413591ex4d24.htm EX-4.24 Exhibit 4.24 Power of Attorney I, Ning Tang, a Chinese citizen with Chinese Identification Card No.: , and a holder of 95% of the entire registered capital in CreditEase Puhui Information Consultant (Beijing) Co., Ltd. (“Pu Hui”) as of the date when the Power of Attorney is executed, hereby irrevocably authorize Yiren Heng Ye Technology (Beijing) Co., Ltd. (

April 29, 2019 EX-4.22

Loan Agreements between Heng Ye and the shareholders of Pu Hui dated March 25, 2019

Exhibit 4.22 Loan Agreement This Loan Agreement (this “Agreement”) is made and entered into by and between the Parties below as of March 25, 2019 in Beijing, China: (1) Yiren Heng Ye Technology Development (Beijing) Co., Ltd. (“Lender”), a wholly foreign owned enterprise, organized and existing under the laws of the PRC, with its address at Room 1018, Floor 10, Building 9, Yard No. 91, Jianguo Str

April 29, 2019 EX-4.18

Amended and Restated Equity Interest Pledge Agreements among Heng Yu Da, Yi Ren Wealth Management and the shareholders of Yi Ren Wealth Management dated May 17, 2018

Exhibit 4.18 Amended and Restated Equity Interest Pledge Agreement This Amended and Restated Equity Interest Pledge Agreement (this “Agreement”) has been executed by and among the following parties on May 17, 2018 in Beijing, the People’s Republic of China (“China” or the “PRC”): Party A: Chongqing Hengyuda Technology Co., Ltd. (hereinafter “Pledgee”), a wholly foreign owned enterprise, organized

April 29, 2019 EX-15.2

Consent of Deloitte Touche Tohmatsu Certified Public Accountants LLP

Exhibit 15.2 CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM We consent to the incorporation by reference in the Registration Statements on Form S-8 (No. 333-212056 and No. 333-219404) of our report dated April 29, 2019, relating to the consolidated financial statements of Yirendai Ltd., its subsidiaries and variable interest entities, (which report expresses an unqualified opinion and in

April 29, 2019 EX-4.33

Spousal Consent Letters by the spouses of the shareholders of Hui Min dated March 25, 2019

Exhibit 4.33 Spousal Consent The undersigned, Mei Zhao (ID card No. ), is the lawful spouse of Ning Tang (ID card No. ). I hereby unconditionally and irrevocably agree to the execution of the following documents (hereinafter referred to as the “Transaction Documents”) by Ning Tang on March 25, 2019, and the disposal of the equity interests of CreditEase Huimin Investment Management (Beijing) Co.,

April 29, 2019 EX-4.30

Powers of Attorney granted to Heng Ye by the shareholders of Hui Min dated March 25, 2019

EX-4.30 18 a18-413591ex4d30.htm EX-4.30 Exhibit 4.30 Power of Attorney I, Ning Tang, a Chinese citizen with Chinese Identification Card No.: , and a holder of 93.1% of the entire registered capital in CreditEase Huimin Investment Management (Beijing) Co., Ltd. (“Hui Min”) as of the date when the Power of Attorney is executed, hereby irrevocably authorize Yiren Heng Ye Technology (Beijing) Co., Ltd

April 29, 2019 EX-4.8

Amended and Restated Non-competition Agreement between CreditEase and Yirendai Ltd. dated March 25, 2019 (incorporated herein by reference to Exhibit 4.8 to the annual report on Form 20-F (File No. 001-37657), filed by Yirendai Ltd. with the Securities and Exchange Commission on April 29, 2019)

Exhibit 4.8 Execution Version AMENDED AND RESTATED NON-COMPETITION AGREEMENT by and between CREDITEASE HOLDINGS (CAYMAN) LIMITED and YIRENDAI LTD. Dated March 25, 2019 TABLE OF CONTENTS ARTICLE 1 DEFINITIONS Section 1.1 Defined Terms 1 ARTICLE 2 NON-COMPETITION Section 2.1 Undertaking of the CreditEase Group 3 Section 2.2 Undertaking of the Yirendai Group 4 ARTICLE 3 NON-SOLICITATION Section 3.1 N

April 29, 2019 EX-13.2

Certification by Principal Financial Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

EXHIBIT 13.2 Certification by the Principal Financial Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 In connection with the Annual Report of Yirendai Ltd. (the “Company”) on Form 20-F for the year ended December 31, 2018 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Jia Liu, Co-Chief Financial Officer of the Company, certify, pursuant

April 29, 2019 EX-15.1

Consent of Han Kun Law Offices

EXHIBIT 15.1 April 29, 2019 Yirendai Ltd. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China Dear Sir/Madam: We hereby consent to the reference of our name under the headings “Item 3. Key Information—D. Risk Factors—Risks Related to Our Corporate Structure” and “Item 4. Information on the Company—C. Organizational Structure” in Yirendai Ltd.’s annual

April 29, 2019 EX-4.17

Amended and Restated Loan Agreements between Heng Yu Da and the shareholders of Yi Ren Wealth Management dated May 17, 2018

Exhibit 4.17 Amended and Restated Loan Agreement This Amended and Restated Loan Agreement (this “Agreement”) is made and entered into by and between the Parties below as of May 17, 2018 in Beijing, China: (1) Chongqing Hengyuda Technology Co., Ltd., a wholly foreign owned enterprise, organized and existing under the laws of the PRC, with its address at Room 3507, Floor 35, HNA-Poly International C

April 29, 2019 EX-4.9

Amended and Restated Cooperation Framework Agreement between CreditEase Holdings (Cayman) Limited and the Registrant dated March 25, 2019 (incorporated herein by reference to Exhibit 4.9 to the Registrant’s annual report on Form 20-F (File No. 001-37657), filed with the Securities and Exchange Commission on April 29, 2019)

Exhibit 4.9 Execution Version AMENDED AND RESTATED COOPERATION FRAMEWORK AGREEMENT Between CREDITEASE HOLDINGS (CAYMAN) LIMITED And YIRENDAI LTD. Dated as of March 25, 2019 TABLE OF CONTENTS ARTICLE 1 DEFINITIONS 1 ARTICLE 2 COOPERATION 2 ARTICLE 3 REPRESENTATIONS AND WARRANTIES 3 ARTICLE 4 TERM 4 ARTICLE 5 CONFIDENTIALITY 4 ARTICLE 6 NOTICES 5 ARTICLE 7 DEFAULTING LIABILITY 6 ARTICLE 8 FORCE MAJE

April 29, 2019 EX-4.23

Equity Interest Pledge Agreements among Heng Ye, Pu Hui and the shareholders of Pu Hui dated March 25, 2019

EX-4.23 11 a18-413591ex4d23.htm EX-4.23 Exhibit 4.23 Equity Interest Pledge Agreement This Equity Interest Pledge Agreement (this “Agreement”) has been executed by and among the following parties on March 25, 2019 in Beijing, the People’s Republic of China (“China” or the “PRC”): Party A: Yiren Heng Ye Technology Development (Beijing) Co., Ltd. (hereinafter “Pledgee”), a wholly foreign owned enter

April 29, 2019 20-F

YRD / Yirendai Ltd. 20-F 20-F

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F (Mark One) o REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2018. OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)

April 29, 2019 EX-12.2

Certification by Principal Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

EXHIBIT 12.2 Certification by the Principal Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 I, Jia Liu, certify that: 1. I have reviewed this annual report on Form 20-F of Yirendai Ltd.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the ci

April 29, 2019 EX-4.27

Spousal Consent Letter by the spouse of a shareholder of Pu Hui dated March 25, 2019

Exhibit 4.27 Spousal Consent The undersigned, Mei Zhao (ID card No. ), is the lawful spouse of Ning Tang (ID card No. ). I hereby unconditionally and irrevocably agree to the execution of the following documents (hereinafter referred to as the “Transaction Documents”) by Ning Tang on March 25, 2019, and the disposal of the equity interests of CreditEase Puhui Information Consultant (Beijing) Co.,

April 29, 2019 EX-4.29

Equity Interest Pledge Agreements among Heng Ye, Hui Min and the shareholders of Hui Min dated March 25, 2019

Exhibit 4.29 Equity Interest Pledge Agreement This Equity Interest Pledge Agreement (this “Agreement”) has been executed by and among the following parties on March 25, 2019 in Beijing, the People’s Republic of China (“China” or the “PRC”): Party A: Yiren Heng Ye Technology Development (Beijing) Co., Ltd. (hereinafter “Pledgee”), a wholly foreign owned enterprise, organized and existing under the

April 29, 2019 EX-4.25

Exclusive Business Cooperation Agreement between Heng Ye and Pu Hui dated March 25, 2019

Exhibit 4.25 Exclusive Business Cooperation Agreement This Exclusive Business Cooperation Agreement (this “Agreement”) is made and entered into by and between the following parties on March 25, 2019 in Beijing, the People’s Republic of China (“China” or the “PRC”). Party A: Yiren Heng Ye Technology Development (Beijing) Co., Ltd. Address: Room 1018, Floor 10, Building 9, Yard No. 91, Jianguo Stree

April 29, 2019 EX-4.34

Share Subscription Agreement between the Registrant and CreditEase Holdings (Cayman) Limited dated March 25, 2019 (incorporated herein by reference to Exhibit 4.34 to the Registrant’s annual report on Form 20-F (File No. 001-37657), filed with the Securities and Exchange Commission on April 29, 2019)

Exhibit 4.34 Execution Version SHARE SUBSCRIPTION AGREEMENT Dated March 25, 2019 by and between YIRENDAI LTD. and CREDITEASE HOLDINGS (CAYMAN) LIMITED TABLE OF CONTENTS 1. DEFINITIONS 1 2. THE TRANSACTION 9 2.1 Issuance of Shares; Execution of Transaction Documents 9 2.2 Delivery of Financial Statements 9 3. CLOSING; CLOSING DELIVERIES 10 3.1 Closing 10 3.2 Deliveries by Yirendai at the Closing 10

April 29, 2019 EX-4.19

Powers of Attorney granted to Heng Yu Da by the shareholders of Yi Ren Wealth Management dated May 17, 2018

EX-4.19 8 a18-413591ex4d19.htm EX-4.19 Exhibit 4.19 Power of Attorney I, Fanshun KONG, a People’s Republic of China (“China” or the “PRC”) citizen with PRC Identification Card No.: , and a holder of 30% of the entire registered capital in Yiren Financial Information Services (Beijing) Co., Ltd. (“Yiren Wealth Management”) as of the date when the Power of Attorney is executed, hereby irrevocably au

April 29, 2019 EX-4.7

Amended and Restated Transitional Services Agreement between CreditEase Holdings (Cayman) Limited and the Registrant dated March 25, 2019 (incorporated herein by reference to Exhibit 4.7 to the Registrant’s annual report on Form 20-F (File No. 001-37657), filed with the Securities and Exchange Commission on April 29, 2019)

Exhibit 4.7 Execution Version AMENDED AND RESTATED TRANSITIONAL SERVICES AGREEMENT Between CREDITEASE HOLDINGS (CAYMAN) LIMITED and YIRENDAI LTD. Dated as of March 25, 2019 TABLE OF CONTENTS ARTICLE 1 DEFINITIONS Section 1.1 Capitalized terms 1 ARTICLE 2 SERVICES Section 2.1 Initial Services 4 Section 2.2 Additional Services 4 Section 2.3 Scope of Services 5 Section 2.4 Limitation on Provision of

April 29, 2019 EX-4.31

Exclusive Business Cooperation Agreement between Heng Ye and Hui Min dated March 25, 2019

Exhibit 4.31 Exclusive Business Cooperation Agreement This Exclusive Business Cooperation Agreement (this “Agreement”) is made and entered into by and between the following parties on March 25, 2019 in Beijing, the People’s Republic of China (“China” or the “PRC”). Party A: Yiren Heng Ye Technology Development (Beijing) Co., Ltd. Address: Room 1018, Floor 10, Building 9, Yard No. 91, Jianguo Stree

April 29, 2019 EX-4.28

Loan Agreements between Heng Ye and the shareholders of Hui Min dated March 25, 2019

Exhibit 4.28 Loan Agreement This Loan Agreement (this “Agreement”) is made and entered into by and between the Parties below as of March 25, 2019 in Beijing, China: (1) Yiren Heng Ye Technology Development (Beijing) Co., Ltd. (“Lender”), a wholly foreign owned enterprise, organized and existing under the laws of the PRC, with its address at Room 1018, Floor 10, Building 9, Yard No. 91, Jianguo Str

April 29, 2019 EX-4.10

Amended and Restated Intellectual Property License Agreement between CreditEase Holdings (Cayman) Limited and the Registrant dated March 25, 2019 (incorporated herein by reference to Exhibit 4.10 to the Registrant’s annual report on Form 20-F (File No. 001-37657), filed with the Securities and Exchange Commission on April 29, 2019)

EX-4.10 5 a18-413591ex4d10.htm EX-4.10 Exhibit 4.10 Execution Version AMENDED AND RESTATED INTELLECTUAL PROPERTY LICENSE AGREEMENT Between CREDITEASE HOLDINGS (CAYMAN) LIMITED And YIRENDAI LTD. Dated as of March 25, 2019 TABLE OF CONTENTS ARTICLE 1 DEFINITIONS 2 ARTICLE 2 GRANT AND SCOPE OF LICENSE 4 ARTICLE 3 AGREEMENT ON SHARING OF INFORMATION AND DATA 5 ARTICLE 4 MAINTENANCE AND SUPPORT 6 ARTIC

April 29, 2019 EX-4.21

Amended and Restated Exclusive Option Agreement among Heng Yu Da, Yi Ren Wealth Management and the shareholders of Yi Ren Wealth Management dated May 17, 2018

Exhibit 4.21 Amended and Restated Exclusive Option Agreement This Amended and Restated Exclusive Option Agreement (this “Agreement”) is executed by and among the following Parties as of May 17, 2018 in Beijing, the People’s Republic of China (“China” or the “PRC”): Party A: Chongqing Hengyuda Technology Co., Ltd., a wholly foreign owned enterprise, organized and existing under the laws of the PRC,

March 26, 2019 EX-99.2

Yirendai Announces Business Realignment with CreditEase

Exhibit 99.2 Yirendai Announces Business Realignment with CreditEase BEIJING, March 25, 2019-Yirendai Ltd. (NYSE: YRD) (“Yirendai” or the “Company”), a leading fintech company in China, announced today that it has entered into definitive agreements relating to a business realignment with CreditEase Holdings (Cayman) Limited, or CreditEase, the controlling shareholder of the Company, to better serv

March 26, 2019 EX-99.1

Yirendai Reports Fourth Quarter and Full Year 2018 Financial Results

Exhibit 99.1 Yirendai Reports Fourth Quarter and Full Year 2018 Financial Results BEIJING, March 25, 2019 — Yirendai Ltd. (NYSE: YRD) (“Yirendai” or the “Company”), a leading fintech company in China, today announced its unaudited financial results for the quarter and full year ended December 31, 2018. For Three Months Ended For Twelve Months Ended in RMB million December 31, 2018 December 31, 201

March 26, 2019 6-K

YRD / Yirendai Ltd. 6-K (Current Report of Foreign Issuer)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of March 2019 Commission File Number: 001-37657 YIRENDAI LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal executive off

November 13, 2018 EX-99.1

Yirendai Reports Third Quarter 2018 Financial Results

Exhibit 99.1 Yirendai Reports Third Quarter 2018 Financial Results BEIJING, November 12, 2018 — Yirendai Ltd. (NYSE: YRD) (“Yirendai” or the “Company”), a leading fintech company in China, today announced its unaudited financial results for the quarter ended September 30, 2018. For the Three Months Ended in RMB million 30-Sep-18 30-Sep-17 YoY Change Amount of Loans Facilitated 6,546.2 12,185.4 -46

November 13, 2018 6-K

YRD / Yirendai Ltd. 6-K (Current Report of Foreign Issuer)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of November 2018 Commission File Number: 001-37657 YIRENDAI LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal executive

October 29, 2018 EX-99.1

Yirendai to Hold 2018 Annual General Meeting on November 19, 2018

Exhibit 99.1 Yirendai to Hold 2018 Annual General Meeting on November 19, 2018 BEIJING, October 29, 2018 /PRNewswire/ — Yirendai Ltd. (NYSE: YRD) (“Yirendai” or the “Company”), a leading fintech company in China, announced today that it will hold its 2018 Annual General Meeting at 10/F, Tower B, Gemdale Plaza, 91 Jianguo Road, Chaoyang District, Beijing 100022, the People’s Republic of China on No

October 29, 2018 6-K

YRD / Yirendai Ltd. 6-K (Current Report of Foreign Issuer)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of October 2018 Commission File Number: 001-37657 YIRENDAI LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal executive o

October 29, 2018 EX-99.2

YIRENDAI LTD. (Incorporated in the Cayman Islands with limited liability) (NYSE Ticker: YRD) NOTICE OF ANNUAL GENERAL MEETING to Be Held on November 19, 2018 (or any adjourned or postponed meeting thereof)

Exhibit 99.2 YIRENDAI LTD. (Incorporated in the Cayman Islands with limited liability) (NYSE Ticker: YRD) NOTICE OF ANNUAL GENERAL MEETING to Be Held on November 19, 2018 (or any adjourned or postponed meeting thereof) NOTICE IS HEREBY GIVEN that an annual general meeting (“AGM”) of Yirendai Ltd. (the “Company”) will be held at 10/F, Tower B, Gemdale Plaza, 91 Jianguo Road, Chaoyang District, Beij

August 29, 2018 EX-99.1

Yirendai Reports Second Quarter 2018 Financial Results

Exhibit 99.1 Yirendai Reports Second Quarter 2018 Financial Results BEIJING, Aug. 28, 2018 /PRNewswire/ — Yirendai Ltd. (NYSE: YRD) (“Yirendai” or the “Company”), a leading fintech company in China, today announced its unaudited financial results for the quarter ended June 30, 2018. For the Three Months Ended in RMB million 30-Jun-18 30-Jun-17 YoY Change Amount of Loans Facilitated 11,736.2 8,536.

August 29, 2018 6-K

YRD / Yirendai Ltd. 6-K (Current Report of Foreign Issuer)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of August 2018 Commission File Number: 001-37657 YIRENDAI LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal executive of

June 12, 2018 6-K

YRD / Yirendai Ltd. 6-K (Current Report of Foreign Issuer)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of June 2018 Commission File Number: 001-37657 YIRENDAI LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal executive offi

June 12, 2018 EX-99.1

Yirendai Announces up to US$20 million Share Repurchase Program

Exhibit 99.1 Yirendai Announces up to US$20 million Share Repurchase Program BEIJING, June 11, 2018 /PRNewswire/ — Yirendai Ltd. (NYSE: YRD) (“Yirendai” or the “Company”), a leading fintech company in China, announced today that its board of directors has approved a share repurchase program whereby Yirendai is authorized to repurchase its ordinary shares in the form of American depositary shares w

May 25, 2018 EX-99.1

Yirendai Reports First Quarter 2018 Financial Results

Exhibit 99.1 Yirendai Reports First Quarter 2018 Financial Results BEIJING, May 24, 2018 — Yirendai Ltd. (NYSE: YRD) (“Yirendai” or the “Company”), a leading fintech company in China, today announced its unaudited financial results for the quarter ended March 31, 2018. For the Three Months Ended in RMB million 31-Mar-18 31-Mar-17 YoY Change Amount of Loans Facilitated 11,956.7 7,246.1 65 % Total N

May 25, 2018 6-K

YRD / Yirendai Ltd. 6-K (Current Report of Foreign Issuer)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of May 2018 Commission File Number: 001-37657 YIRENDAI LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal executive offic

April 30, 2018 EX-13.1

Certification by Principal Executive Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

EXHIBIT 13.1 Certification by the Principal Executive Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 In connection with the Annual Report of Yirendai Ltd. (the “Company”) on Form 20-F for the year ended December 31, 2017 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Yihan Fang, Chief Executive Officer of the Company, certify, pursuant

April 30, 2018 EX-15.1

Consent of Han Kun Law Offices

EXHIBIT 15.1 April 30, 2018 Yirendai Ltd. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China Dear Sir/Madam: We hereby consent to the reference of our name under the headings “Item 3. Key Information—D. Risk Factors—Risks Related to Our Corporate Structure” and “Item 4. Information on the Company—C. Organizational Structure” in Yirendai Ltd.’s annual

April 30, 2018 EX-13.2

Certification by Principal Financial Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002

EXHIBIT 13.2 Certification by the Principal Financial Officer Pursuant to Section 906 of the Sarbanes-Oxley Act of 2002 In connection with the Annual Report of Yirendai Ltd. (the “Company”) on Form 20-F for the year ended December 31, 2017 as filed with the Securities and Exchange Commission on the date hereof (the “Report”), I, Yu Cong, Chief Financial Officer of the Company, certify, pursuant to

April 30, 2018 EX-12.1

Certification by Principal Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

EXHIBIT 12.1 Certification by the Principal Executive Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 I, Yihan Fang, certify that: 1. I have reviewed this annual report on Form 20-F of Yirendai Ltd.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the

April 30, 2018 EX-15.2

Consent of Deloitte Touche Tohmatsu Certified Public Accountants LLP

Exhibit 15.2 CONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM We consent to the incorporation by reference in the Registration Statement on Form S-8 (No. 333-212056 and No. 333-219404) of our report dated April 30, 2018, relating to the consolidated financial statements and financial statements schedule of Yirendai Ltd., its subsidiaries and variable interest entities, (which report expres

April 30, 2018 20-F

YRD / Yirendai Ltd. 20-F

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F (Mark One) o REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR x ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2017. OR o TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d)

April 30, 2018 EX-4.18

Amended and Restated Equity Interest Pledge Agreements among Heng Yu Da, Yi Ren Wealth Management and the shareholders of Yi Ren Wealth Management dated April 27, 2018

Exhibit 4.18 Amended and Restated Equity Interest Pledge Agreement This Amended and Restated Equity Interest Pledge Agreement (this “Agreement”) has been executed by and among the following parties on April 27, 2018 in Beijing, the People’s Republic of China (“China” or the “PRC”): Party A: Chongqing Hengyuda Technology Co., Ltd. (hereinafter “Pledgee”), a wholly foreign owned enterprise, organize

April 30, 2018 EX-12.2

Certification by Principal Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002

EXHIBIT 12.2 Certification by the Principal Financial Officer Pursuant to Section 302 of the Sarbanes-Oxley Act of 2002 I, Yu Cong, certify that: 1. I have reviewed this annual report on Form 20-F of Yirendai Ltd.; 2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the ci

April 30, 2018 EX-4.21

Amended and Restated Exclusive Option Agreement among Heng Yu Da, Yi Ren Wealth Management and the shareholders of Yi Ren Wealth Management dated April 27, 2018

Exhibit 4.21 Amended and Restated Exclusive Option Agreement This Amended and Restated Exclusive Option Agreement (this “Agreement”) is executed by and among the following Parties as of April 27, 2018 in Beijing, the People’s Republic of China (“China” or the “PRC”): Party A: Chongqing Hengyuda Technology Co., Ltd., a wholly foreign owned enterprise, organized and existing under the laws of the PR

March 15, 2018 EX-99.1

Yirendai Reports Fourth Quarter and Full Year 2017 Financial Results

EX-99.1 2 a18-83861ex99d1.htm EX-99.1 Exhibit 99.1 Yirendai Reports Fourth Quarter and Full Year 2017 Financial Results BEIJING, March 14, 2018 — Yirendai Ltd. (NYSE: YRD) (“Yirendai” or the “Company”), a leading fintech company in China, today announced its unaudited financial results for the quarter and full year ended December 31, 2017. For Three Months Ended For Twelve Months Ended in RMB mill

March 15, 2018 6-K

YRD / Yirendai Ltd. 6-K (Current Report of Foreign Issuer)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of March 2018 Commission File Number: 001-37657 YIRENDAI LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People’s Republic of China (Address of principal executive off

November 24, 2017 EX-99.2

YIRENDAI LTD. (Incorporated in the Cayman Islands with limited liability) (NYSE Ticker: YRD) NOTICE OF ANNUAL GENERAL MEETING to Be Held on December 15, 2017 (or any adjourned or postponed meeting thereof)

Exhibit 99.2 YIRENDAI LTD. (Incorporated in the Cayman Islands with limited liability) (NYSE Ticker: YRD) NOTICE OF ANNUAL GENERAL MEETING to Be Held on December 15, 2017 (or any adjourned or postponed meeting thereof) NOTICE IS HEREBY GIVEN that an annual general meeting (?AGM?) of Yirendai Ltd. (the ?Company?) will be held at 10/F, Tower B, Gemdale Plaza, 91 Jianguo Road, Chaoyang District, Beij

November 24, 2017 EX-99.1

Yirendai to Hold 2017 Annual General Meeting on December 15, 2017

Exhibit 99.1 Yirendai to Hold 2017 Annual General Meeting on December 15, 2017 Beijing, November 24, 2017 ? Yirendai Ltd. (NYSE: YRD) (?Yirendai? or the ?Company?), a leading fintech company in China, today announced that it will hold its 2017 annual general meeting of shareholders at 10/F, Tower B, Gemdale Plaza, 91 Jianguo Road, Chaoyang District, Beijing 100022, the People?s Republic of China o

November 24, 2017 6-K

YRD / Yirendai Ltd. 6-K (Current Report of Foreign Issuer)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of November 2017 Commission File Number: 001-37657 YIRENDAI LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People?s Republic of China (Address of principal executive

November 16, 2017 EX-99.1

Yirendai Reports Third Quarter 2017 Financial Results

Exhibit 99.1 Yirendai Reports Third Quarter 2017 Financial Results BEIJING, November 14, 2017 ? Yirendai Ltd. (NYSE: YRD) (?Yirendai? or the ?Company?), a leading fintech company in China, today announced its unaudited financial results for the quarter ended September 30, 2017. For Three Months Ended in RMB million September 30, 2017 June 30, 2017 September 30, 2016 QoQ Change YoY Change Amount of

November 16, 2017 6-K

YRD / Yirendai Ltd. 6-K (Current Report of Foreign Issuer)

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 6-K REPORT OF FOREIGN PRIVATE ISSUER PURSUANT TO RULE 13a-16 OR 15d-16 UNDER THE SECURITIES EXCHANGE ACT OF 1934 For the month of November 2017 Commission File Number: 001-37657 YIRENDAI LTD. 10/F, Building 9, 91 Jianguo Road Chaoyang District, Beijing 100022 The People?s Republic of China (Address of principal executive

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