According to a report from Zhitong Finance APP, on November 5, at the 2026 World Internet Conference Wuzhen Summit, AI-driven fintech platform YIXIN (02858) officially announced the open-sourcing of its self-developed Harness system. This marks the second time Yixin has opened its core AI capabilities to the industry, following its 2025 open-sourcing of the industry's first Agentic large model, signaling that its AI open-source strategy has advanced from "model capability openness" to "governance foundation sharing," providing a reusable governance framework for the large-scale application of intelligent agents in highly regulated industries such as auto finance.

Yixin Chief Technology Officer Jia Zhifeng delivered a speech at the Wuzhen Summit. The World Internet Conference Wuzhen Summit is the largest and highest-level internet conference held in China. This year's conference, themed "Open Source, Open Collaboration—Building a Community with a Shared Future in Cyberspace Together," serves as an important window for observing global internet and artificial intelligence frontier trends. Yixin's choice to announce the open-sourcing of the Harness system here is both a positive response to the industry's open ecosystem and a demonstration to the world of China's technological strength in auto finance AI.

In his forum speech at the Wuzhen Summit, Yixin Chief Technology Officer Jia Zhifeng stated that auto finance is a typical long-chain complex decision-making scenario, spanning customer admission, document submission, approval, solution matching, delivery and contract signing, and asset management, characterized by long task spans, numerous process nodes, difficult dynamic decision-making, and strict compliance controls. To truly adapt to industry needs, Yixin has built a new AI paradigm called "Human-Centric Long Horizon Agent." The core logic of this paradigm revolves around the real needs of "people": through human understanding models, it continuously captures customers' car purchase intentions, budget levels, and decision stages; vertical domain models match dynamic service strategies; and the Harness system coordinates state management and compliance controls across the entire process. Working in concert, the intelligent agent is no longer a tool that mechanically executes instructions, but a long-term service partner capable of adjusting service pace in real time as customer status changes, maximizing business conversion efficiency and user service experience while strictly adhering to compliance bottom lines.

The establishment of this paradigm requires not only the quality and efficiency improvements of Agentic large models, but also the support of the Harness governance system. The Harness governance system built by Yixin achieves continuous tracking and dynamic decision-making across the customer's entire lifecycle through five types of management mechanisms: memory, state, belief, goals, and strategy. It also establishes a human-machine collaboration mechanism that can trigger circuit breakers and governance strategies at millisecond-level speed and switch to manual processes in scenarios involving compliance risks, major equity changes, and special exceptions, ensuring that every transaction operates smoothly within a safe and controllable range.

Currently, the "Human-Centric Long Horizon Agent" AI system has achieved large-scale implementation across Yixin's entire business chain. As of the end of June 2026, Yixin has deployed 45 intelligent agents in real business scenarios, covering core areas such as marketing, risk control, approval, and customer service, processing an average of 230,000 tasks per day, with intelligent agents autonomously delivering 90% of business, driving an overall operational efficiency improvement of 45.4%. Leveraging the "Long Horizon Agent" capabilities, Yixin's AI can independently follow up with the same customer for over 20 days, with a single task executing continuously for over 16 hours, up to 81 rounds of conversation in a single session, and over 400 message interactions throughout. The average time from lead contact to deal closure has been shortened to 3 days.

At the Wuzhen Summit venue, attendees experienced Yixin's AI Agent. Jia Zhifeng stated that the open-sourcing of the Harness system aims to lower the barrier for implementing intelligent agents in auto finance and similar highly regulated industries, enabling more institutions to quickly build safe, compliant, and efficient AI application systems without having to build governance frameworks from scratch. Going forward, Yixin will continue to deepen the full-scenario implementation of the "Human-Centric Long Horizon Agent," empowering upstream and downstream industry partners with an open-source and open approach, jointly promoting the high-quality development of the auto finance industry toward intelligence, standardization, and inclusiveness.