MYbank's BaiLing 2.0 agent serves 42M small merchants, approving a 400K yuan loan in 10 minutes
量子位 · wechat · 2026-09-11
At the Bund Summit, MYbank detailed its AI banking rollout: BaiLing 2.0, a micro-merchant finance agent, now serves 42 million small businesses, cutting complex request handling from 3 days to 10 minutes.
Front-end: a restaurant owner simply said "I want a higher limit"; through multi-turn dialogue the agent reconstructed his real intent (funding a second store), sized the gap at 400K yuan, and issued a drawdown-by-milestone plan with 6 interest-only months.
Back-end AI workbenches:
- QianLiYan: risk control granularity from segments down to individuals, rescuing a misjudged photography chain;
- DingHaiZhen: AI drafts decisions, human experts override them—one expert overturned an AI denial, unlocking 1.8M yuan;
- BaoLianDeng: one typhoon-struck farmer's message triggered cross-verified satellite and transaction data analysis, reaching tens of thousands of affected clients within 1 hour;
- JinDouYun: full-stack dev workflow AI, doubling AI Coding share, shipping a feature in 2 days versus a month before.
Methodology: Agent First—agents execute, humans set goals and own accountability, backed by a Harness engineering layer, quantified eval loops, and a unified knowledge base.
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