Document:

Exhibit 10.18

 

	Qingdao Buytop Payment Service Co., Ltd.	Exclusive Purchase Option Agreement

 

EXCLUSIVE PURCHASE OPTION AGREEMENT

 

THIS EXCLUSIVE PURCHASE OPTION AGREEMENT (the
“Agreement”) is entered into by and between the following parties on this 9th day of March, 2020 in Shanghai, the People’s
Republic of China (hereinafter referred to as the “PRC”, and, for the purpose of this Agreement, excluding Hong Kong
SAR, Macau SAR and Taiwan):

 

Party A: Shanghai Santeng Technology Co., Ltd.
(the “WFOE”)

Legal representative: LU Qiaoling

Registered address: Room 121, 14/F, Building No.2,
No.588 Zixing Road, Minhang District, Shanghai

 

Party B: Qingdao Youyou Town Electronic Technology
Co., Ltd. (the “Existing Shareholder”)

Legal representative: LU Qiaoling

Registered address: Room 604, Building No. 2,
No. 63 Haier Road, Laoshan District, Qingdao

 

Party C: Qingdao Buytop Payment Service Co.,
Ltd. (the “Domestic Company”)

Legal representative: LU Qiaoling

Registered address: Room 2-202, Building No.5,
Lanwanzhigu, No.91 Torch Road, High-tech Zone, Qingdao

 

In this Agreement, Party B is hereinafter referred
to as the “Existing Shareholder”, and the WFOE, the Existing Shareholder and the Domestic Company are hereinafter collectively
referred to as the “Parties” and individually a “Party”.

 

WHEREAS:

 

		1.	As of the execution date hereof, Party B holds 100% of the equity interest in the Domestic Company, representing
RMB 39,286,000 of its registered capital.

 

		2.	The WFOE and the Existing Shareholder have entered into a Loan Contract on this 9th day of March, 2020
(hereinafter referred to as the “Loan Contract”), pursuant to which the WFOE confirms that it has offered a loan totaling
RMB 200,000 to the Existing Shareholder for the use approved by the WFOE. Please refer to Schedule 1 hereto for details of the loan.

 

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	Qingdao Buytop Payment Service Co., Ltd.	Exclusive Purchase Option Agreement

 

NOW, THEREFORE, upon mutual negotiation, the Parties
hereby reach the following agreements:

 

Article 1 Sale and Purchase of Equity

 

		1.1	Grant of Option

 

The Existing Shareholder hereby irrevocably
grants to the WFOE an irrevocable exclusive right (the “Option”) to purchase, or designate one or more persons (the
“Designee”) to purchase all or any part of the equity interests then held by the Existing Shareholder in the Domestic
Company from the Existing Shareholder once or at multiple times at any time, at the price set forth in Article 1.3 hereof by following
the steps for exercise of the Option as determined at the sole discretion of the WFOE to the extent permitted by the PRC laws. Except
for WFOE and the Designee(s), no other person shall be entitled to the Option or any other rights in connection with the equity interest
of the Existing Shareholder. The Domestic Company hereby agrees to the grant of the Option by the Existing Shareholder to the WFOE. The
term “person” or “persons” referred in this sub-article and this Agreement shall mean any individuals, companies,
joint ventures, partnerships, enterprises, trusts or unincorporated organizations.

 

		1.2	Steps for Exercise of the Option

 

The exercise of the Option by the
WFOE shall be subject to the provisions of the PRC laws and regulations. When exercising the Option, the WFOE shall issue a written notice
(the “Purchase Notice”) to the Existing Shareholder, specifying: (a) the decision of the WFOE or its Designee(s) on
the exercise of the Option; (b) the portion of equity interests to be purchased from the Existing Shareholder by the WFOE (the “Purchased
Equities”); and (c) the purchase / transfer date of the Purchased Equities.

 

		1.3	Purchase Price of Equities

 

The total price for purchase of all
the equity interests held by the Existing Shareholder in the Domestic Company through the WFOE’s exercise of the Option shall be
RMB 200,000. Where the WFOE exercises the Option to purchase part of the equity interests held by the Existing Shareholder in the Domestic
Company, the purchase price shall be calculated on a pro rata basis. If the minimum price permitted by the PRC laws at the time of exercise
by the WFOE is higher than the aforesaid price, the transfer price shall be the minimum price permitted by the PRC Laws, regulations and
relevant rules (collectively, the “Purchase Price”)。

 

		1.4	Transfer of the Purchased Equities

 

For each exercise of the Option by
the WFOE:

 

		1.4.1	The Existing Shareholder shall cause the Domestic Company to promptly convene a shareholders’ meeting,
at which a resolution shall be adopted approving the transfer of the Purchased Equities by the Existing Shareholder to the WFOE and/or
the Designee(s);

 

		1.4.2	The Existing Shareholder shall, in respect of their transfer of the Purchased Equities to the WFOE and/or
the Designee(s), obtain written statements from the other shareholders giving consent to such transfer and waiving any right of first
refusal related thereto; and the other shareholders of the Domestic Company shall give written consent in respect of the transfer of the
Purchased Equities by the transferring shareholder to the WFOE and/or the Designee(s) and waive their right of first refusal related thereto;

 

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	Qingdao Buytop Payment Service Co., Ltd.	Exclusive Purchase Option Agreement

 

		1.4.3	The Existing Shareholder shall execute an equity transfer contract with the WFOE and/or the Designee(s)
(as applicable) for each transfer of the equity interest in accordance with the terms of this Agreement and the Purchase Notice;

 

		1.4.4	The relevant parties shall execute all other necessary contracts, agreements or documents, obtain all
necessary governmental approvals and consents and take all necessary actions to transfer valid ownership of the Purchased Equities to
the WFOE and/or the Designee(s), free of any Security Interests, and cause the WFOE and/or the Designee(s) to become the registered owner(s)
of the Purchased Equities. For the purpose of this sub-article and this Agreement, “Security Interests” shall include
securities, mortgages, third-party rights or interests, any equity call options, acquisition rights, right of first refusal, right to
offset, retention of ownership or other security arrangements, etc.; provided that, for the purpose of clarification, any security interest
that may arise under this Agreement, the Existing Shareholder’ Equity Pledge Agreement and the Existing Shareholder’ Power
of Attorney shall be excluded. The “Existing Shareholder’ Equity Pledge Agreements” as referred in this Agreement
shall mean the equity pledge agreements to be executed by and among the WFOE, the Existing Shareholder and the Domestic Company on the
execution date hereof as well as any amendments and restatements thereof. The “Existing Shareholder’ Power of Attorney”
referred in this Agreement shall mean the power of attorney authorizing the WFOE to be executed by the Existing Shareholder on the execution
date hereof and any amendment, revision or restatement thereof.

 

		1.4.5	Payment

 

Whereas, the Existing
Shareholder has agreed in the Loan Contract that all incomes which they may receive from their equity interests in the Domestic Company
shall be transferred and used to repay the loans owed by the Existing Shareholder to the WFOE pursuant to the Loan Contract. Therefore,
when the WFOE exercises the Option, the WFOE may choose to pay the Purchase Price by offsetting the loans owed by the Existing Shareholder
to the WFOE; and, if the applicable laws do not require any adjustment to the Purchase Price agreed herein, the WFOE will not be required
to pay any additional price to the Existing Shareholder. Subject to relevant laws and regulations of the PRC, the Existing Shareholder
agree to refund any Purchase Price already received by them to the WFOE.

 

Article 2 Undertakings

 

		2.1	Undertakings Regarding the Domestic Company

 

The Existing Shareholder
and the Domestic Company hereby undertake that:

 

		2.1.1	without the prior written consent of the WFOE, they will not, in any way, supplement, change or amend
the articles of association of the Domestic Company, increase or decrease its registered capital, or change the structure of its registered
capital in any other form;

 

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	Qingdao Buytop Payment Service Co., Ltd.	Exclusive Purchase Option Agreement

 

		2.1.2	they will maintain the existence of their company, obtain and maintain all the governmental licenses and
permits necessary for the Domestic Company’s conducting of its business, and prudently and effectively operate its business and
deal with its affairs, in accordance with good financial and business standards and practices; and that the Domestic Company’s annual
budget and final account shall be approved by the WFOE in writing in advance;

 

		2.1.3	without the prior written consent of the WFOE, they will not, at any time upon the effective date of this
Agreement, sell, transfer, mortgage or otherwise dispose of any equities of the subsidiaries and branches of the Domestic Company, or
allow any other Security Interest to be created thereon;

 

		2.1.4	without the prior written consent of the WFOE, they will not, at any time upon the effective date of this
Agreement, sell, transfer, mortgage or otherwise dispose of any legal or beneficial interests in the material assets (with a value exceeding
RMB 200,000), business or income of the Domestic Company and its subsidiaries and branches, or allow any other Security Interest to be
created thereon, except for expenses and disposition in the ordinary business course (including but not limited to payment of salaries
and benefits to employees, lease expenses of business premises, daily operating expenses and other expenses necessary for maintaining
the normal operation and business conduct of the company);

 

		2.1.5	without the prior written consent of the WFOE, none of the Domestic Company and its subsidiaries and branches
will incur, succeed, secure, or allow the existence of, any debt, except for accounts payable arising in the normal or ordinary business
course other than by way of loans, and debts between the Domestic Company and its subsidiaries/branches;

 

		2.1.6	they shall always operate all business in the normal business course to maintain the asset value of the
Domestic Company and its subsidiaries and branches, and will refrain from any action or omission that is sufficient to affect the operating
status and asset value of such companies;

 

		2.1.7	without the written consent of the WFOE, they shall not cause the Domestic Company and its subsidiaries
and branches to enter into any material contract, except for the contracts made in the ordinary business course;

 

		2.1.8	without the prior written consent of the WFOE, none of the Domestic Company and its subsidiaries and branches
will provide any person with any loan or credit (except for those provided to the wholly-owned subsidiaries of the Domestic Company);

 

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	Qingdao Buytop Payment Service Co., Ltd.	Exclusive Purchase Option Agreement

 

		2.1.9	at the request of the WFOE, they will provide the WOFE with all information in connection with the operation
and financial condition of the Domestic Company and its subsidiaries and branches;

 

		2.1.10	if requested by the WFOE, the Domestic Company shall procure and maintain insurance for its assets and
business from an insurance carrier acceptable to the WFOE and its subsidiaries and branches, at an amount and type of coverage typical
for companies engaging in similar businesses;

 

		2.1.11	without the prior written consent of the WFOE, none of the Domestic Company and its subsidiaries and branches
shall merge or consolidate with, or acquire or invest in, any person;

 

		2.1.12	they shall immediately notify the WFOE of the occurrence or possible occurrence of any litigation, arbitration
or administrative proceedings in relation to the assets, business or income of the Domestic Company and its subsidiaries and branches;

 

		2.1.13	they shall execute all necessary or appropriate documents, take all necessary or appropriate actions,
make all necessary or appropriate claims, and raise necessary and appropriate defenses against all claims, in order for the Domestic Company
and its subsidiaries and branches to maintain the ownership of all of their assets;

 

		2.1.14	without the prior written consent of the WFOE, no dividends will be distributed to the shareholders in
any form, provided that, upon the request of the WFOE, the Domestic Company shall immediately distribute all of its distributable profits
to its shareholders;

 

		2.1.15	on basis of the WFOE’s request, they will appoint any persons designated by the WFOE as the directors,
supervisors (if applicable) and senior officers of the Domestic Company and its subsidiaries and branches;

 

		2.1.16	without the prior written consent, none of the Domestic Company and its subsidiaries and branches shall
engage in any business competing with those of the WFOE or its affiliated companies; and

 

		2.1.17	unless mandatorily required by the PRC laws, the Domestic Company and its subsidiaries shall not be dissolved
or liquidated without the written consent of the WFOE.

 

		2.2	Undertakings of the Existing Shareholder

 

The Existing Shareholder hereby undertake
that:

 

		2.2.1	without the prior written consent of the WFOE, they will not sell, transfer, mortgage or otherwise dispose
of any legal or beneficial interest in the equity interest in the Domestic Company owned by them, or allow any other Security Interest
to be created thereon, except for encumbrance created under the Existing Shareholder’ Equity Pledge Agreements and the Existing
Shareholder’ Power of Attorney;

 

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	Qingdao Buytop Payment Service Co., Ltd.	Exclusive Purchase Option Agreement

 

		2.2.2	they will cause the shareholders’ meeting and/or the board of directors of the Domestic Company
not to approve the sale, transfer, mortgage or other disposition of any legal or beneficial interest in the equity interests therein held
by the Existing Shareholder, or allow any other Security Interests to be created thereon, without the prior written consent of the WFOE,
except for consents to encumbrances created under the Existing Shareholder’ Equity Pledge Agreements and the Existing Shareholder’
Power of Attorney;

 

		2.2.3	without the prior written consent of the WFOE, they shall cause the shareholders’ meeting and/or
the board of directors of the Domestic Company not to approve the merger or consolidation with, or the acquisition of or investment in,
any person;

 

		2.2.4	they will immediately notify the WFOE of the occurrence or possible occurrence of any litigation, arbitration
or administrative proceeding in connection with the equity interests owned by them;

 

		2.2.5	they will cause the shareholders’ meeting or the board of directors of the Domestic Company to vote
for the transfer of the Purchased Equities set forth in this Agreement, and take any other actions as may be requested by the WFOE;

 

		2.2.6	for the purpose of maintain their ownership of the relevant equity interests, the Existing Shareholder
will execute all necessary or appropriate documents, take all necessary or appropriate actions, make all necessary or appropriate claims,
and raise all necessary and appropriate defenses against all claims;

 

		2.2.7	at the request of the WFOE, they will appoint any persons designated by the WFOE as the directors, supervisors
(if applicable) and senior officers of the Domestic Company;

 

		2.2.8	the Existing Shareholder hereby waive their right of first refusal (if any) to purchase the equity interest
which may be transferred by the other shareholders of the Domestic Company to the WFOE, agree that the other shareholders of the Domestic
Company may execute the exclusive purchase option agreement, equity interest pledge agreement and power of attorney similar to this Agreement,
the Existing Shareholder’ Equity Pledge Agreements and the Existing Shareholder’ Power of Attorney with the WFOE and the Domestic
Company, and warrant that they will not take any action which may conflict with any such documents executed by the other shareholders;

 

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	Qingdao Buytop Payment Service Co., Ltd.	Exclusive Purchase Option Agreement

 

		2.2.9	Subject to compliance with the PRC laws, the Existing Shareholder shall promptly donate any profits, dividends,
bonuses or liquidation proceeds which they may receive from the Domestic Company to the WFOE or any person designated by the WFOE; and

 

		2.2.10	they shall strictly comply with the provisions of this Agreement and other agreements jointly or separately
executed by the Existing Shareholder, the Domestic Company and the WFOE, duly perform the obligations hereunder and thereunder, and refrain
from any action/omission that is sufficient to affect the effectiveness and enforceability of such agreements. In the event that the Existing
Shareholder have any remaining rights with respect to the equity interests hereunder or under the Existing Shareholder’ Equity Pledge
Agreements or Existing Shareholder’ Power of Attorney, the Existing Shareholder shall not exercise such rights except in accordance
with the written instructions of the WFOE.

 

Article 3 Representations and Warranties

 

		3.1	The Existing Shareholder and the Domestic Company hereby jointly and severally make the following representations
and warranties to the WFOE as of the execution date of this Agreement and each transfer date:

 

		3.1.1	They have the power, capacity and authority to execute and deliver this Agreement and any equity transfer
contract, to which they are a party, and which is made hereunder for each transfer of the Purchased Equities (each, a “Transfer
Contract”), and to perform their obligations under this Agreement and any Transfer Contract. The Existing Shareholder and the
Domestic Company agree that they will execute a Transfer Contract consistent with the terms of this Agreement upon the WFOE’s exercise
of the Option. This Agreement and each Transfer Contract to which any Existing Shareholder and the Domestic Company are a party constitute
or will constitute their legal, valid and binding obligations and shall be enforceable against them in accordance with the terms hereof
and thereof;

 

		3.1.2	The Existing Shareholder and the Domestic Company have obtained consents and approvals (if necessary)
from the third parties and governmental authorities to execute, deliver and perform this Agreement;

 

		3.1.3	Neither their execution and delivery of this Agreement or any Transfer Contracts nor their performance
of the obligations under this Agreement or any Transfer Contracts will: (i) result in a violation of any relevant PRC laws; (ii) be in
conflict with the articles of association or other organizational documents of the Domestic Company; (iii) cause a violation of, or constitute
a breach or default under, any contracts or document to which any of them is a party or by which it may be bound; (iv) result in a violation
of any condition in connection with the grant and/or survival of any licenses or approvals issued to any of them; or (v) cause the suspension
or revocation of or imposition of additional conditions to any licenses or approvals issued to any of them;

 

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	Qingdao Buytop Payment Service Co., Ltd.	Exclusive Purchase Option Agreement

 

		3.1.4	The Existing Shareholder have good and merchantable title to the equity interests in the Domestic Company
which they hold, and have not created any Security Interests thereon except for the Existing Shareholder’ Equity Pledge Agreements
and the Existing Shareholder’ Power of Attorney;

 

		3.1.5	Except as disclosed by the Domestic Company to the WFOE, the Domestic Company has good and merchantable
title to all of its assets, and has not created any Security Interests thereon;

 

		3.1.6	The Domestic Company has no outstanding debts, other than (i) the debt incurred in the ordinary course
of business; and (ii) the debts which have been disclosed to the WFOE and require the WFOE’s written consent pursuant to this Agreement,
and for which the WFOE’s written consent has been obtained;

 

		3.1.7	The Domestic Company is in compliance with all applicable laws and regulations in relation to asset acquisition;
and

 

		3.1.8	Except as disclosed to the WFOE, there is no pending or threatened litigation, arbitration or administrative
penalty in connection with the Domestic Company, its equities and assets.

 

Article 4 Effective Term

 

		4.1	The Parties confirm that, upon formal execution of this Agreement by the Parties, the effectiveness of
this Agreement shall be retroactive to January 1, 2018, which means this Agreement shall become effective and legally binding upon the
Parties on and from January 1, 2018, whereupon the Parties shall have all rights hereunder and perform all the obligations hereunder.
This Agreement shall be terminated after all the equity interests held by the Existing Shareholder or their successors or assignees in
the Domestic Company have been lawfully transferred to the WFOE and/or its designated person(s) in accordance with this Agreement

 

Article 5 Governing Law and Dispute Resolution

 

		5.1	Governing Law

 

The conclusion, effectiveness, interpretation,
performance, amendment and termination of this Agreement and the resolution of disputes hereunder shall be governed by the laws of the
PRC.

 

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	Qingdao Buytop Payment Service Co., Ltd.	Exclusive Purchase Option Agreement

 

		5.2	Dispute Resolution

 

In the event of any dispute arising
from the performance of this Agreement or in connection with this Agreement, either Party may submit the dispute to Shanghai International
Economic and Trade Arbitration Commission for arbitration in Shanghai in accordance with its arbitration procedures and rules then in
effect. The arbitration tribunal shall consist of three arbitrators who shall be appointed in accordance with the arbitration rules. The
claimant and the respondent shall respectively appoint one arbitrator, and the third arbitrator shall be appointed by the first two arbitrators
through negotiations. Subject to provisions of the PRC laws, the arbitration tribunal or arbitrators may award remedial measures in respect
of equities or assets of the Domestic Company or assets of the Existing Shareholder in accordance with the dispute resolution clause and/or
applicable PRC laws, including restriction on conduct of business, restriction or prohibition of transfer or sale of equities or assets,
or proposal for the winding-up of the Domestic Company. In addition, in the course of forming the tribunal, Party A shall have the right
to file an application to any court with competent jurisdiction (including courts in the PRC, Hong Kong and Cayman Islands) for grant
of temporary reliefs. The arbitration proceedings shall be conducted in Chinese in a confidential manner. The arbitration award shall
be final and binding upon the parties thereto. During a pending arbitration, the Parties shall continue to own their respective rights
under this Agreement and perform their respective obligations hereunder, other than those under dispute and subject to arbitration.

 

Article 6 Taxes and Expenses

 

		6.1	Each Party shall be liable for any and all transfer and registration taxes, costs and expenses incurred
by or imposed on such Party in accordance with the PRC laws for the preparation and execution of this Agreement and each Transfer Contract
as well as the consummation of the transactions contemplated hereunder and thereunder.

 

Article 7 Notices

 

		7.1	All notices and other communications required or given under this Agreement shall be delivered or sent
to the receiving Party by way of personal delivery, registered mail (postage prepaid), commercial courier service or facsimile transmission.
Each notice shall also be served by email. The dates on which such notices shall be deemed to have been effectively given shall be determined
as follows:

 

		7.1.1	Notices given by personal delivery (including express mail service) shall be deemed effectively given
on the day when an acknowledgement of receipt thereof is signed.

 

		7.1.2	Notices given by registered mail (postage prepaid) shall be deemed effectively given on the 15th
day after the date of the return receipt thereof.

 

		7.1.3	Notices given by way of facsimile transmission shall be deemed effectively given on the date of transmission
as shown on the facsimile, provided that, if such facsimile is given after 5 p.m. or on a non-business day at the place of receipt, it
shall be deemed given on the business day immediately following the transmission date shown on such facsimile.

 

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	Qingdao Buytop Payment Service Co., Ltd.	Exclusive Purchase Option Agreement

 

Article 8 Confidentiality Obligation

 

		8.1	The Parties acknowledge and confirm that this Agreement, its contents and any oral or written information
exchanged among the Parties in connection with the preparation and performance of this Agreement shall be deemed as confidential information.
The Parties shall maintain the confidentiality of all such confidential information, and shall not disclose any confidential information
to any third party without the written consent of the other Party or Parties, except for the information which: (a) is or will be known
to the public (without unauthorized disclosure by the receiving Party); (b) is required to be disclosed under the applicable laws or regulations,
stock trading rules or orders of governmental authorities or courts; or (c) is required to be disclosed by a Party to its shareholders,
directors, supervisors (if any), employees, legal or financial advisors for the transactions contemplated hereunder, provided that such
shareholders, directors, supervisors (if any), employees, legal or financial advisors shall be subject to the confidentiality obligations
similar to those set forth in this Article. Any disclosure of confidential information by a shareholder, director, supervisor (if any)
or employee of a Party or any agency engaged by it shall be deemed as a disclosure of such confidential information by such Party, who
shall be liable for breach of agreement in accordance with this Agreement.

 

Article 9 Further Assurance

 

		9.1	The Parties agree to promptly execute such documents and take such further actions as may be reasonably
necessary or desirable to implement the terms and purpose of this Agreement.

 

Article 10 Liability for Breach of Agreement

 

		10.1	If any of the Existing Shareholder or the Domestic Company commits a material breach of any terms hereunder,
the WFOE shall have the right to terminate this Agreement and/or request the Existing Shareholder or the Domestic Company to make compensation
for the damages, and this Article 10 shall not prejudice or impair any other rights of the WFOE under this Agreement.

 

		10.2	Unless otherwise provided by laws, the Existing Shareholder and the Domestic Company shall in no event
have the right to terminate or rescind this Agreement.

 

Article 11 Miscellaneous

 

		11.1	Amendment, Modification and Supplement

 

Any amendment, modification and supplement
to this Agreement shall be subject to a written agreement executed by each Party.

 

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	Qingdao Buytop Payment Service Co., Ltd.	Exclusive Purchase Option Agreement

 

		11.2	Entire Agreement

 

Except for the written amendments,
supplements or modifications executed after the execution of this Agreement, this Agreement shall constitute the entire agreement among
the Parties with respect to the subject matter of this Agreement, and supersede all prior oral and written negotiation, representations
and agreements reached in respect of the subject matter hereof.

 

		11.3	Headings

 

The headings of this Agreement are
inserted for convenience only and shall not be used to interpret, explain or otherwise affect the meaning of the provisions of this Agreement.

 

		11.4	Severability

 

In the event that one or more provisions
of this Agreement are held to be invalid, illegal or unenforceable in any aspect under any laws or regulations, the validity, legality
or enforceability of the remaining provisions of this Agreement shall not be affected or impaired thereby in any aspect. The Parties shall,
through negotiations in good faith, strive to replace such invalid, illegal or unenforceable provisions with the provisions which are
valid to the greatest extent permitted by laws and desired by the Parties, and the economic effect of such valid provisions shall be as
close as possible to the economic effect of those invalid, illegal or unenforceable provisions.

 

		11.5	Successor

 

This Agreement shall bind on and inure
to the benefit of the Parties and their respective successors and permitted assignees.

 

		11.6	Survival

 

		11.6.1	Any obligations accruing or becoming due under this Agreement prior to the expiration or early termination
of this Agreement shall survive the expiration or early termination of this Agreement.

 

		11.6.2	The provisions of Articles 5, 8 and 10 and this Article 11.6 shall survive the termination of this Agreement.

 

		11.7	Waiver

 

Any Party may waive the terms and
conditions of this Agreement, provided that such waiver must be made in writing and signed by all the Parties. A Party’s waiver
of any breach by another Party in certain circumstance shall not be treated as a waiver made by such Party in other circumstances in respect
of a similar breach.

 

		11.8	Language and Counterpart

 

This Agreement is made in Chinese
in five counterparts, with each Party holding one counterpart hereof, and each counterpart of this Agreement shall have the same legal
effect.

 

(THE REMAINDER
OF THIS PAGE IS INTENTIONALLY LEFT BLANK)

 

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	Qingdao Buytop Payment Service Co., Ltd.	Exclusive Purchase Option Agreement

 

(Signature
Page of the Exclusive Purchase Option Agreement)

 

Party A: 

 

Shanghai Santeng Technology Co., Ltd. (official
seal)

 

	By:	LU Qiaoling
	 	Its Legal or Authorized Representative

 

Dated this 9th day of March, 2020

 

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	Qingdao Buytop Payment Service Co., Ltd.	Exclusive Purchase Option Agreement

 

(Signature
Page of the Exclusive Purchase Option Agreement)

 

Party B: 

 

Qingdao Youyou Town Electronic Technology Co.,
Ltd. (official seal)

 

	By:	LU Qiaoling
	 	Its Legal or Authorized Representative

 

Dated this 9th day of March, 2020

 

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	Qingdao Buytop Payment Service Co., Ltd.	Exclusive Purchase Option Agreement

 

(Signature
Page of the Exclusive Business Cooperation Agreement)

 

Party C: 

 

Qingdao Buytop Payment Service Co., Ltd. (official
seal)

 

	By:	LU Qiaoling
	 	Its Legal or Authorized Representative

 

Dated this 9th day of March, 2020

 

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	Qingdao Buytop Payment Service Co., Ltd.	Exclusive Purchase Option Agreement

 

Schedule
1Details of Loans

 

	Reference	 	Name	 	PRC Enterprise Unified Social Credit No.	 	Loan Amount
 (RMB)	 
	Party B	 	Qingdao Youyou Town Electronic Technology Co., Ltd	 	913702126678933964	 	 	200,000	 

 

 

 

15Exhibit 10.19

 

	Qingdao Buytop Payment Service Co., Ltd.	Loan Contract

 

LOAN CONTRACT

 

THIS LOAN CONTRACT (the “Contract”)
is entered into by and between the following parties on this 9th day of March, 2020 in Shanghai, the People’s Republic of China
(hereinafter referred to as the “PRC”, and, for the purpose of this Contract, excluding Hong Kong SAR, Macau SAR and
Taiwan):

 

Lender: Shanghai Santeng Technology Co., Ltd.
(the “WFOE”)

 

Legal representative: LU Qiaoling

Registered address: Room 121, 14/F, Building No.2,
No.588 Zixing Road, Minhang District, Shanghai

 

Borrower: Qingdao Youyou Town Electronic Technology
Co., Ltd.

 

Legal representative: LU Qiaoling

Registered address: Room 604, Building No. 2,
No. 63 Haier Road, Laoshan District, Qingdao

 

In this Contract, the Lender and the Borrower
are hereinafter collectively referred to as the “Parties” and individually a “Party”.

 

WHEREAS:

 

		1.	Daxin Wealth Investment Management (Shanghai) Co., Ltd. (the “Borrower’s Company”)
is a limited liability company duly established and validly existing under the PRC laws with a registered capital of RMB 39,286,000. The
Borrower holds 100% equity interest in the Borrower’s Company. All the equity interests owned by the Borrower in the Borrower’s
Company at present and in the future are collectively referred to as the “Borrower’s Equities”; and

 

		2.	The Lender acknowledges that it agrees to provide the Borrower with a loan of RMB 200,000 hereunder for
the purpose specified in this Contract.

 

NOW, THEREFORE, upon friendly consultation, the
Parties hereby agree as follows:

 

Article 1 Loan

 

		1.1	In accordance with the terms of this Contract, the Lender and the Borrower hereby acknowledge that the
Lender is entitled to a creditor’s right of RMB 200,000 against the Borrower (the “Loan”), and please refer to
Exhibit 1 for information regarding the loan owed by each Borrower. The term of the loan commences from the effective date of this Contract
and ends on the day when the Lender exercises its exclusive option in accordance with the Exclusive Option Agreement under Article 1.1.4
of this Contract. In the case of any of the following circumstances, the Loan shall immediately become due, and the Borrower must repay
the same immediately:

 

		1.1.1	a 30-day period from the Lender’s delivery of the written notice requesting for repayment expires;

 

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		1.1.2	the Borrower is subject to termination, deregistration, liquidation and other circumstances involving
termination of business;

 

		1.1.3	the Borrower commits a crime or is involved in any criminal activity; or

 

		1.1.4	pursuant to the applicable laws of the PRC, foreign investors are permitted to invest in the principle
business that is currently conducted by the Borrower’s Company in the PRC with a controlling stake or in the form of wholly foreign-owned
enterprises, the relevant competent authorities of China has begun to examine and approve such investments, and the Lender decides to
exercise the exclusive option granted to it under the Exclusive Purchase Option Agreement dated March 9, 2020 among the Lender, the Borrower
and the Borrower Company (the “Exclusive Option Agreement”).

 

		1.2	Without the Lender’s prior approval, the Borrower shall not transfer this Contract to any other
person.

 

		1.3	The Borrower agree to accept the foresaid Loan rendered by the Lender and hereby agree and warrant that
the Loan will be used for the purpose consented by the Lender.

 

		1.4	The Lender and the Borrower hereby unanimously agree and acknowledge that the Borrower may repay the Loan
in the following manner: after the Lender’s exercise of the Option under Exclusive Option Agreement, the Borrower shall transfer
all of the Borrower’s Equities to the Lender or its designated person (legal or natural person), and, to the extent permitted by
applicable laws, use all the proceeds of such transfer to repay the Loan to the Lender in accordance with this Contract and in the manner
designated by the Lender.

 

		1.5	The Lender and the Borrower hereby unanimously agree and acknowledge that, subject to applicable laws,
the Lender shall have the right but not the obligation to purchase or designate any other person (legal or natural person) to purchase
all or part of the Borrower’s Equities at the Purchase Price set forth in the Exclusive Option Agreement at any time.

 

		1.6	Where the Borrower transfer any Borrower’s Equities owned by them to the Lender or its designated
person, if the transfer price of such equities is equal to or lower than the principal sum of the Loan hereunder, the Loan under this
Contract shall be deemed as an interest-free loan; provided that, if the transfer price of such equities exceeds the principal sum of
the Loan hereunder, the excess portion shall be deemed as the interest of the Loan hereunder and shall be repaid to the Lender by the
Borrower. The Borrower shall be deemed to have fully performed their repayment obligations hereunder when the person so designated by
the Lender has acquired all the Borrower’s Equities (subject to completion of the registration with competent administration for
industry and commerce), and/or the Borrower have repaid the principal and interests (if applicable) of the Loan to the Lender in full
in accordance with this Contract and the Exclusive Option Agreement.

 

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Article 2 Representations and Warranties

 

		2.1	The Lender hereby makes the following representations and warranties to the Borrower as of the execution
date hereof:

 

		2.1.1	The Lender is a company duly established and validly existing under the PRC laws;

 

		2.1.2	It has the power to execute and perform this Contract. The Lender’s execution and performance of
this Contract comply with its business scope, articles of association or other organizational documents, and it has obtained all necessary
and appropriate approvals and authorities to execute and perform this Contract; and

 

		2.1.3	Upon execution, this Contract shall constitute the Lender’s legal, valid, and binding obligations
and shall be enforceable against the Lender in accordance with its terms.

 

		2.2	Each of the Borrower makes the following representations and warranties to the Borrower as of the execution
date hereof:

 

		2.2.1	The Borrower is a company duly established and validly existing under the PRC laws;

 

		2.2.2	It has the power to execute and perform this Contract. The Borrower’s execution and performance
of this Contract comply with its business scope, articles of association or other organizational documents, and it has obtained all necessary
and appropriate approvals and authorities to execute and perform this Contract; and

 

		2.2.3	Upon execution, this Contract shall constitute its legal, valid, and binding obligations and shall be
enforceable against it in accordance with its terms; and

 

		2.2.4	There is no pending or threatened dispute, litigation, arbitration, administrative penalty or any other
legal proceeding in connection with the Borrower, which may affect the performance of this Contract.

 

Article 3 Undertakings of the Borrower

 

		3.1	The Borrower, in their capacity of shareholders of the Borrower’s Company, hereby irrevocably undertake
that, within the valid term of this Contract, they will cause the Borrower’s Company:

 

		3.1.1	to strictly comply with all the terms of the Exclusive Option Agreement to which the Borrower’s
Company is a party, and to refrain from any action/omission that is sufficient to affect the validity and enforceability of the Exclusive
Option Agreement;

 

		3.1.2	at the request of the Lender or its designated party, to execute contract/agreement in respect of business
cooperation with the Lender or its designated party at any time;

 

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		3.1.3	to deliver to the Lender all the information in connection with its operation and financial condition
upon the request of the Lender;

 

		3.1.4	to immediately notify the Lender of any pending or threatened litigation, arbitration or administrative
penalty in connection with its assets, business and revenues; and

 

		3.1.5	to appoint any person designated by the Lender to act as the director of the Borrower’s Company
upon the Lender’s request.

 

		3.2	The Borrower undertake that, within the valid term of this Contract, they shall:

 

		3.2.1	make their best efforts to cause the Borrower’s Company to conduct its principal business, the specific
scope of which shall be subject to the business license;

 

		3.2.2	strictly comply with the provisions of this Contract, the Equity Pledge Agreement (as set forth in Exhibit
2 hereto) (the “Equity Pledge Agreement”) and the Exclusive Option Agreement to which they are a party, and refrain
from any action/omission which is sufficient to affect the validity and enforceability of this Contract, the Equity Pledge Agreement and
the Exclusive Option Agreement;

 

		3.2.3	Except as provided by the Equity Pledge Agreement, or with the prior written consent of the Lender, not
sell, transfer, mortgage or otherwise dispose any legal or beneficial interests in the Borrower’s Equities, nor allow any other
security interests to be created thereon;

 

		3.2.4	cause the shareholders’ meeting and/or the board of directors of the Borrower’s Company not
to approve any sale, transfer, mortgage or other disposition of the legal or beneficial interest in the Borrower’s Equities or the
creation of any other security interest thereon, without the Lender’s prior written consent, except for sale, transfer, mortgage
or other disposition made to the Lender or its designated person;

 

		3.2.5	cause the shareholders’ meeting and/or the board of directors of the Borrower’s Company not
to approve the merger or consolidation with any person, or the acquisition of or investment in any person, without the prior written consent
of the Lender;

 

		3.2.6	immediately notify the Lender of any pending or threatened litigation, arbitration or administrative penalty
in connection with the Borrower’s Equities;

 

		3.2.7	execute all necessary or appropriate documents, take all necessary or appropriate actions, make all necessary
or appropriate claims, and raise necessary and appropriate defenses against all claims, in order to maintain their ownership of the Borrower’s
Equities;

 

		3.2.8	without the Lender’s prior written consent, refrain from any action and/or omission that may have
material effect on the assets, business and liabilities of the Borrower’s Company;

 

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		3.2.9	at the request of the Lender, appoint any persons designated by the Lender as the directors of the Borrower’s
Company;

 

		3.2.10	to the extent permitted by the PRC laws, and at the request of the Lender from time to time, unconditionally
transfer the Borrower’s Equities to the Lender or its designated representative at any time, and cause other shareholders of the
Borrower’s Company to waive their right of first refusal in respect of the equity transfer referred in this sub-article;

 

		3.2.11	to the extent permitted by the PRC laws, and upon the Lender’s request at any time, cause other
shareholders’ of the Borrower’s Company to unconditionally and promptly transfer their equity interests in the Borrower’s
Company to the Lender or its designated representative, and the Borrower hereby waive their rights of first refusal to the equity transfer
referred in this sub-article;

 

		3.2.12	where the Lender purchases the Borrower’s Equities from the Borrower in accordance with the provisions
of the Exclusive Option Agreement, use all such purchase price obtained by the Borrower to repay the Loan to the Lender; and

 

		3.2.13	without the prior written consent of the Lender, not in any manner supplement, change or amend the articles
of association of the Borrower’s Company, increase or decrease its registered capital, or otherwise change its capital structure.

 

Article 4 Liability for Breach of Contract

 

		4.1	If the Borrower commit a material breach of any terms hereunder, the Lender shall have the right to immediately
terminate this Contract by written notice to the Borrower, and the Borrower shall indemnify the Lender against all losses arising from
such breach or the early termination of this Contract. The remedy set forth in this Article 4.1 shall be non-exclusive, and shall not
impair or prejudice any other remedies to which the Lender may be entitled under this Contract or applicable laws.

 

		4.2	Unless otherwise specified by laws, the Borrower shall in no event have the right to terminate or rescind
this Contract.

 

		4.3	If the Borrower fails to pay any sum pursuant to the schedule specified hereunder, a default interest
shall be calculated thereon at a daily rate of 0.1% until the Borrower’s full repayment of such sum (including the default interest).

 

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Article 5 Notices

 

		5.1	All notices and other communications required or given under this Contract shall be delivered or sent
to the receiving Party by way of personal delivery, registered mail (postage prepaid), commercial courier service or facsimile transmission.
Each notice shall also be served by email. The dates on which such notices shall be deemed to have been effectively given shall be determined
as follows:

 

		5.1.1	Notices given by personal delivery (including express mail service) shall be deemed effectively given
on the day when an acknowledgement of receipt thereof is signed;

 

		5.1.2	Notices given by registered mail (postage prepaid) shall be deemed effectively given on the 15th
day after the date of the return receipt thereof;

 

		5.1.3	Notices given by way of facsimile transmission shall be deemed effectively given on the date of transmission
as shown on the facsimile, provided that, if such facsimile is given after 5 p.m. or on a non-business day at the place of receipt, it
shall be deemed given on the business day immediately following the transmission date shown on such facsimile.

 

Article 6 Confidentiality Obligation

 

		6.1	The Parties acknowledge and confirm that this Contract, its contents and any oral or written information
exchanged among the Parties in connection with the preparation and performance of this Contract shall be confidential information. The
Parties shall maintain the confidentiality of all such confidential information, and shall not disclose any confidential information to
any third party without the written consent of the other Party or Parties, except for the information which: (a) is already known to the
public (without unauthorized disclosure by the receiving Party); (b) is required to be disclosed under the applicable laws or regulations,
stock trading rules or orders of governmental authorities or courts; or (c) is required to be disclosed by a Party to its shareholders,
directors, employees, legal or financial advisors for the transactions contemplated hereunder, provided that such shareholders, directors,
employees, and legal or financial advisors shall be subject to the confidentiality obligations similar to those set forth in this Article.
Any disclosure of confidential information by a shareholder, director, employee or engaged agency of a Party shall be deemed as a disclosure
of such confidential information by such Party, who shall be liable for breach of contract in accordance with this Contract.

 

Article 7 Governing Law and Dispute Resolution

 

		7.1	The conclusion, effectiveness, interpretation, performance, amendment and termination of this Contract
and the resolution of disputes hereunder shall be governed by the laws of the PRC.

 

		7.2	In the event of any dispute arising from or in connection with this Contract, either Party may submit
the dispute to Shanghai International Economic and Trade Arbitration Commission for arbitration in Shanghai in accordance with its arbitration
procedures and rules then in effect. The arbitration tribunal shall consist of three arbitrators who shall be appointed in accordance
with the arbitration rules. The claimant and the respondent shall respectively appoint one arbitrator, and the third arbitrator shall
be appointed by the first two arbitrators through negotiations. The arbitration proceedings shall be conducted in Chinese in a confidential
manner. The arbitration award shall be final and binding upon the parties thereto. In appropriate circumstances, the arbitration tribunal
or arbitrators may award remedial measures in respect of equities or assets of the Parties in accordance with the dispute resolution clause
and/or applicable PRC laws, including restriction on conduct of business, restriction or prohibition of transfer or sale of equities or
assets, or proposal for the winding-up of the Parties. In addition, in the course of forming the tribunal, Party A shall have the right
to file an application to any court with competent jurisdiction (including courts in the PRC, Hong Kong and Cayman Islands) for grant
of temporary reliefs.

 

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		7.3	In the event of any dispute arising out of the interpretation and performance of this Contract, or in
the arbitration proceeding of any dispute, the Parties shall continue to exercise their respective rights hereunder and perform their
respective obligations hereunder, except for matters under dispute.

 

Article 8 Taxes; Expenses

 

		8.1	Each Party shall be liable for any and all taxes, costs and expenses incurred by or imposed on such Party
in accordance with the PRC laws due to the preparation and execution of this Contract and each Transfer Contract as well as the consummation
of the transactions contemplated hereunder and thereunder.

 

Article 9 Miscellaneous

 

		9.1	This Contract shall come into effect on the day when it is duly signed by the Parties, and shall expire
on the date on which the Parties have fulfilled their respective obligations hereunder.

 

		9.2	This Contract is made in Chinese in two counterparts, with the Lender and each Borrower respectively holding
one counterpart hereof, and each counterpart hereof shall have the same legal effect.

 

		9.3	The Parties may amend and supplement this Contract by written agreement. Any amendment or supplementary
agreement among the Parties in respect of this Contract shall be an integral part hereof, and have the same legal effect as this Contract.

 

		9.4	In the event that one or more provisions of this Contract are held to be invalid, illegal or unenforceable
in any aspect under any laws or regulations, the validity, legality or enforceability of the remaining provisions of this Contract shall
not be affected or impaired thereby in any aspect. The Parties shall, through negotiations in good faith, strive to replace such invalid,
illegal or unenforceable provisions with the provisions which are valid to the greatest extent permitted by laws and desired by the Parties,
and the economic effect of such valid provisions shall be as close as possible to the economic effect of those invalid, illegal or unenforceable
provisions.

 

		9.5	The Exhibits attached to this Contract shall be integral parts hereof and have the same legal effect as
this Contract.

 

		9.6	Any obligations accruing or becoming due hereunder prior to the expiration or early termination of this
Contract shall survive the expiration or early termination of this Contract. The provisions of Articles 4, 6 and 7 and this Article 9.6
shall survive the termination of this Contract.

 

(THE REMAINDER OF THIS PAGE IS INTENTIONALLY
LEFT BLANK)

 

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(Signature
Page of the Loan Contract)

 

Lender: 

 

Shanghai Santeng Technology Co.,
Ltd. (official seal)

 

	By:	LU Qiaoling
	 	Its Legal or Authorized
Representative

 

Signed on this 9th day of March, 2020

 

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(Signature
Page of the Loan Contract)

 

Borrower: 

 

Qingdao Youyou Town Electronic
Technology Co., Ltd. (official seal)

 

	By:	LU Qiaoling
	 	Its Legal or Authorized
Representative

 

Signed on this 9th day of March, 2020

 

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Exhibit
1Borrower’s Information

 

	Name	 	PRC Enterprise Unified Social Credit No.	 	 	Contribution to Borrower’s Company (RMB)	 	 	Shareholding Ratio in Borrower’s Company	 	 	Loan Amount (RMB)	 
	Qingdao Youyou Town Electronic Technology Co., Ltd	 	 	913702126678933964	 	 	 	39,286,000	 	 	 	100	%	 	 	200,000	 

 

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Exhibit
2Equity Pledge Agreement

 

 

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