Exhibit 4.13


 


Power of Attorney


 


Date: January 28,
2019           


 


We, Yao Hong
(with Identification Card No.: ***), Deqing Jinxiu Management Consulting Partnership (Limited Partnership)(with Unified Social
Credit Code No.: ***), a citizen of the People's Republic of China (“China”) or an entity established and existing
under the laws of the PRC, and joint holders of 100% of the entire registered capital in Hangzhou Yuntuo group co., LTD. (“Domestic
Company”) (“Our Shareholding”), hereby irrevocably authorize Weidai Co., Ltd. (the “WFOE”)
to exercise the following rights relating to Our Shareholding during the term of this Power of Attorney:


 


The WFOE
is hereby authorized to act on behalf of ourselves as our exclusive agent and attorney with respect to all matters concerning our
Shareholding, including without limitation to: 1) propose, convene and attend shareholders' meetings of Domestic Company; 2) exercise
all the shareholder's rights and shareholder's voting rights we are entitled to under the laws of China and Domestic Company’
Articles of Association, including but not limited to the sale or transfer or pledge or disposition of our Shareholding in part
or in whole; 3) designate and appoint on behalf of ourselves the legal representative (chairperson), the director, supervisor,
the chief executive officer (or general manager) and other senior management members of Domestic Company; and 4) obtain the information
with respect to the operation, business, clients, finance, employees and other relevant information of Domestic Company and inspect
related records and materials.


 


Without limiting
the generality of the powers granted hereunder, the WFOE shall have the power and authority under this Power of Attorney to execute
the Transfer Contracts stipulated in Exclusive Option Agreement, to which we are required to be a party, on behalf of ourselves,
and to effect the terms of the Share Pledge Agreement and Exclusive Option Agreement, both dated the date hereof, to which we are
parties.


 


All the actions
associated with Our Shareholding conducted by the WFOE shall be deemed as our own actions, and all the documents related to Our
Shareholding executed by the WFOE shall be deemed to be executed by me. When acting in respect of any and all of the aforementioned
matters, the WFOE may act at its own discretion and does not need to seek our prior consent. We hereby acknowledge and ratify those
actions and/or documents by the WFOE.


 


The WFOE
is entitled to re-authorize or assign its rights related to the aforesaid matters to any other person or entity at its own discretion
and without giving prior notice to we or obtaining our consent.


 


So long as
we are shareholders of Domestic Company, this Power of Attorney shall be irrevocably and continuously valid and effective from
the date of its execution, unless the WFOE issues adverse instructions in writing. Once the WFOE instructs me in writing to terminate
this Power of Attorney in whole or in part, we will immediately withdraw the authorization herein granted to the WFOE and execute
power(s) of attorney in the same format of this Power of Attorney, granting to other persons nominated by the WFOE the same authorization
under this Power of Attorney.


 




    	 	Power of Attorney	 



     


    

 


During the
term of this Power of Attorney, we hereby waive all the rights associated with Our Shareholding, which have been authorized to
the WFOE through this Power of Attorney, and shall not exercise such rights by ourselves


 


This Power
of Attorney is written in Chinese and English with equal legal validity; in case there is any conflict between the Chinese version
and the English version, the Chinese version shall prevail.


 


[The space below is intentionally left blank.]


 




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IN WITNESS WHEREOF, the Parties have caused their authorized
representatives to execute this Power of Attorney as of the date first written above.


 


	Yao Hong	 
	 	 	 
	By:  	/s/ Hong Yao	 


 




    	 	Power of Attorney-Signature Page	 



     


    

 


IN WITNESS WHEREOF, the Parties have caused their authorized
representatives to execute this Power of Attorney as of the date first written above.


 


Deqing Jinxiu Management Consulting Partnership (Limited
Partnership) (Company Seal)


 


	By:  	/s/ Qinqin He	 
	 	 	 
	Name: Qinqin He	 


 




    	 	Power of Attorney-Signature Page