Know more about XFB FinTech

Our Group

The Henyep Group is a leading global corporation with a diversified portfolio of businesses that span across three continents. With over 40 years of operational history and under the leadership of a visionary management team, Henyep has remained at the forefront of industry trends and developments.

Offering a unique blend of Western financial integrity and the emerging opportunities of the East, the Group’s core businesses encompass Capital Markets, Financial Services, Direct Investment, Property, Education and Charity.

We - XFB FinTech

Our Story

We strive to allow everyone who borrows with purpose, as inspired by Muhammad Yunus, Nobel Peace Prize Winner & founder of Grameen Bank.


Provide ultimate lending and borrowing experience for everyone.


Make a life, not just a living.


Create value for your life.

What we do

Make both lending and borrowing easy, with the use of Artificial Intelligence, Big Data, for credit worthiness, anti-fraud, while providing a safe investment for investors.

Our Ecosystem

Credit Manager

HY Credit, with a zero bad debt rate for mortgage loans since establishment in 2014, assists XFB FinTech to control the quality of the mortgage loan.

Using the A.I. & Big Data technologies, in addition to the experienced loan experts from HY Credit, XFB FinTech can effectively manage the risks for investors.

Fund Manager

We partner with Yue Tung Global Asset Management (“YTGAM”) to create the first Hong Kong P2P Wealth Management platform specialized in mortgage.

YTGAM has supervisory RO for SFC Type 1, 4, and 9 License in asset management, which can raise funds from the market.

Legal Adviser

Stephenson Harwood (“SH”) is a law firm with over 1,000 people worldwide, including more than 150 partners. Their headquarter is in London, with 10 offices across Asia, Europe and the Middle East.

SH provides service includes Commercial Litigation, Employment and Pensions, Finance, Marine and International Trade and Real Estate.

SH advises a wide range of listed and private companies, institutions and individuals, such as HSBC, AirAsia, American Airlines, BNP Paribas, KPMG, Macquarie, Mizuho Bank, Christie’s, LVMH (Moet Hennessy) etc.

Fund Auditor

HLB Hodgson Impey Cheng is an established CPA firm in Hong Kong, a member of HLB International, a worldwide network of independent accounting firms and business advisers.

The company was formed in 1983, and operated in Hong Kong for over 60 years. They are currently ranked top 6 in Hong Kong in terms of the number of listed companies that they offer audit services.

Technology Partners

Working with industry’s leading IT companies, we make put the power of latest technologies to work for you.