Document:

EX-10.10

 Exhibit 10.10 

Exclusive Call Option Agreement 
 This
Exclusive Call Option Agreement (hereinafter referred to as this “Agreement”) is made on October 15, 2018 in Shanghai by and among: 

Party A: Shanghai KunJia Technology Co., Ltd. 
 Registered
address: Room 6106, Building 4, 5475 Yunchuan Road, Baoshan District, Shanghai 
 Legal representative: Dinggui Yan 

Party B1: Dinggui Yan, ID card number: 510113196810052211 

Address: Room 503, 7 Lane 1269, Zhangyang Road, Pudong New Area, Shanghai 

Party B2: Shanghai Jinmushuihuotu Investment Center (Limited Partnership) 

Registered address: Room A578, 5503 Yunchuan Road, Baoshan District, Shanghai 

Managing partner: Shanghai Jinmushuihuotu Marketing and Planning Co., Ltd. 

Party B3: Guanglin Zhang, ID card number: 512929197410112212 

Address: Room 1602, Unit 1, Building 1, 50 Wende Road, Chenghua District, Chengdu 

Party B4: Yuanle Wu, ID card number: 330225198409017715 

Address: No. 66 Group 2, Xibiantang Village, Xiaotang Town, Xiangshan County, Zhejiang Province 

Party C: Shanghai Jiayin Finance Technology Co., Ltd. 

Registered address: Room 2257, Building 5, 1630 Yecheng Road, Jiading Industrial Zone, Shanghai 

Legal representative: Dinggui Yan 
 In this Agreement, Party B1,
Party B2, Party B3 and Party B4 are hereinafter collectively referred to as “Party B”, and each of Party A, Party B and Party C is hereinafter referred to individually as a “Party” and collectively as the “Parties”.

  
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 WHEREAS: 
  

	1.	 Party A is a wholly foreign-owned enterprise duly incorporated and validly existing in the People’s
Republic of China (hereinafter referred to as the “PRC”, and for the purpose of this Agreement, excluding the Hong Kong Special Administrative Region, Macao Special Administrative Region and Taiwan); 

 

	2.	 Party C is a company limited by shares incorporated and validly existing under the laws of the PRC;

  

	3.	 Party B consists of shareholders of Party C in which Dinggui Yan holds 58% shares, Shanghai Jinmushuihuotu
Investment Center (Limited Partnership) holds 27% shares, Guanglin Zhang holds 12% shares, and Yuanle Wu holds 3% shares; 

  

	4.	 The managing partner (general partner) of Shanghai Jinmushuihuotu Investment Center (Limited Partnership) is
Shanghai Jinmushuihuotu Marketing and Planning Co., Ltd. (hereinafter referred to as “Jinmushuihuotu Marketing”). Party B1 is a shareholder and the actual controller of Jinmushuihuotu Marketing, holding 95% equity interests in
Jinmushuihuotu Marketing; Party B3 is a shareholder of Jinmushuihuotu Marketing, holding 5% equity interests of Jinmushuihuotu Marketing; 

  

	5.	 The Parties jointly or severally entered into a set of agreements on June 29, 2018,
including without limitation the Exclusive Consultation and Service Agreement, Equity Pledge Agreement and Power of Attorney; and 

  

	6.	 Party B intends to grant to Party A or a qualified entity designated by Party A an exclusive option to, subject
to the requirements of the PRC law, at any time purchase all or any of the shares/assets of Party C from Party B or any member of Party B; the Parties intend to amend the subject matter of the Exclusive Call Option Agreement entered into on
June 29, 2018 among the Parties. 

 NOW, THEREFORE, through negotiation, the Parties hereby agree as follows: 

 

	1	 Sale and Purchase of Shares or Assets 

 

	 	1.1	 Grant of Option 

  

	 	1.1.1	 Party B hereby irrevocably grants to Party A an option to, at one or more occasions, purchase or designate any
person or persons (hereinafter referred to as the “Designated Person”) to purchase from Party B all or part of the shares held by it in Party C that are not subject to legal restriction on transfer, whether the number or ratio of shares
held by Party B will change in the future or not, at any time according to the steps for exercise of the option as determined by Party A at its sole discretion to the extent permitted by the PRC laws and at the price specified in Article 1.3 hereof
(hereinafter referred to as the “Share Call Option”). Except for Party A and the Designated Person, no third party shall have the Share Call Option or any other rights relating to Party B’s shares. 

  
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	 	1.1.2	 Party C hereby irrevocably grants to Party A an option to, at one or more occasions, purchase or designate any
person or persons (hereinafter referred to as the “Designated Person”) to purchase from Party C all or part of its assets at any time according to the steps for exercise of the option as determined by Party A at its sole discretion to the
extent permitted by the PRC laws and at the price specified in Article 1.3 hereof (hereinafter referred to as the “Asset Call Option”, together with the Share Call Option, referred to collectively as the “Call Option”). Except
for Party A and the Designated Person, no third party shall not have the Asset Call Option or any other rights relating to Party C’s assets. 

  

	 	1.1.3	 Party B hereby agrees that, when Party A exercises the Share Call Option, if part of Party B’s shares are
restricted from transfer by the Company Law of the People’s Republic of China and other relevant laws and regulations, Party B shall use all its efforts (including without limitation, leaving office and granting right to yields and option to
Party A) to satisfy the exercise of the Share Call Option by Party A. 

  

	 	1.1.4	 The term “person” specified in this Article and this Agreement shall refer to individuals,
corporations, joint ventures, partnerships, trusts or non-corporate bodies. 

  

	 	1.2	 Steps for Exercise of Call Option 

 

	 	1.2.1	 Exercise of the Call Option by Party A shall be subject to the provisions of the PRC laws and regulations. When
exercising the Share Call Option, Party A shall give a written notice to Party B (hereinafter referred to as the “Share Purchase Notice”), specifying: (a) the decision of Party A to exercise the Share Call Option; (b) the portion
of shares proposed to be purchased by Party A from Party B (hereinafter referred to as the “Purchased Shares”); (c) the date to transfer the shares; and (d) (if the transferee is not Party A) the Designated Person.

  
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	 	1.2.2	 When exercising the Asset Call Option, Party A shall give a written notice to Party C (hereinafter referred to
as the “Asset Purchase Notice”, together with the Share Purchase Notice, the “Purchase Notice”), specifying: (a) the decision of Party A to exercise the Asset Call Option; (b) the assets proposed to be purchased by
Party A from Party C (hereinafter referred to as the “Purchased Assets”); (c) the date to purchase the assets; and (d) (if the transferee is not Party A) the Designated Person. 

 

	 	1.3	 Share or Asset Purchase Price 

 

	 	1.3.1	 The purchase price of the Purchased Shares or the Purchased Assets shall be RMB1 or the lowest price permitted
by the PRC law. If an evaluation is required under the PRC law when Party A exercises its Call Option, the Parties shall reach an agreement separately through negotiation in good faith, and make necessary adjustment to such share or asset purchase
price based on the evaluation to comply with the requirements of any then prevailing PRC laws. 

  

	 	1.4	 Transfer of Purchased Shares or Purchased Assets 

Each time Party A exercises the Call Option: 
  

	 	1.4.1	 Party C shall hold a meeting on matters of share transfer in accordance with its articles of association,
during which Party B and relevant personnel shall, in a timely manner, vote in favor of the transfer of shares or assets to Party A and/or the Designated Person; 

 

	 	1.4.2	 Party B/Party C shall enter into a share/asset transfer agreement (hereinafter referred to as the
“Transfer Agreement”) with Party A and/or the Designated Person in accordance with this Agreement or the Purchase Notice; and 

  
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	 	1.4.3	 The relevant parties shall execute all other required agreements or documents, obtain all required government
approvals and consents, and take all required actions to convey the valid ownership of the Purchased Shares or the Purchased Assets to Party A and/or the Designated Person without any security interest being attached thereto and procure Party A
and/or the Designated Person to become the registered owner(s) of the Purchased Shares or the Purchased Assets. For the purpose of this Article and this Agreement, “security interest” shall include mortgage, pledge, other form of third
party rights or interests, any share option, acquisition right, right of first refusal, right to offset, ownership retention or other security arrangements, for the avoidance of doubt, excluding any security interest arising under
Party B’s equity pledge agreements. For the purposes of this Article and this Agreement, “Party B’s equity pledge agreements” refer to the Equity Pledge Agreements dated June 29, 2018 and as
amended, supplemented and modified from time to time, and its appendix(es) by and among Party A, Party B and Party C (hereinafter referred to as the “Equity Pledge Agreements”), according to which Party B pledges all shares held by it in
Party C to Party A as security for Party C’s performance of its obligations under the Exclusive Consultation and Service Agreement and the Power of Attorney jointly or severally executed by the Parties on June 29, 2018
and as amended, supplemented and modified from time to time, and their appendix(es). 

  

	 	1.5	 Payment of Purchase Price 

 

	 	1.5.1	 Party A shall pay the purchase price as set out in Article 1.3 to Party B or Party C in the manner agreed by
the Parties. 

  

	2	 Undertakings Relating to Shares 

 

	 	2.1	 Party C undertakes that: 

 

	 	2.1.1	 it shall remain its valid existence in accordance with good financial and business standards and practices by
operating its business and handling its corporate affairs in a prudent and efficient manner; 

  

	 	2.1.2	 without the prior written consent of Party A, it shall not, at any time after the date hereof, sell, transfer,
mortgage or otherwise dispose of the legal or beneficial interest in any assets, businesses or revenues of Party C, nor allow any other security interest to be created thereon; 

 

	 	2.1.3	 without the prior written consent of Party A, it shall not incur, inherit, guarantee or allow existence of any
debt, except for legal debts incurred in the normal or ordinary course of business other than through loans, and debts disclosed to Party A for which Party A’s written consent has been obtained; 

  
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	 	2.1.4	 it shall always operate all of its businesses in the ordinary course of business to maintain Party C’s
asset value, and shall refrain from any action/omission that may affect its business operation and asset value; 

  

	 	2.1.5	 without the prior written consent of Party A, it shall not enter into any material agreement (including but not
limited to any loan agreement, external security agreement, property disposal agreement and any other agreement that will bring debt to or have substantial adverse effect on the company), except for those agreements that are entered into in the
ordinary course of business (for the purpose of this paragraph, an agreement with a value exceeding RMB ten million (10,000,000) shall be deemed as a material agreement); 

 

	 	2.1.6	 without the prior written consent of Party A, it shall not provide any loan or credit to any person;

  

	 	2.1.7	 it shall, at the request of Party A, provide Party A with information relating to the business operation and
financial condition of Party C; 

  

	 	2.1.8	 where it is possible, Party C shall take out and maintain insurance from an insurance company accepted by Party
A. The coverage and type of insurance shall be the same as those of the insurance typically taken out by other companies that operate businesses similar to Party C in the same region and possess property or assets similar to Party C;

  

	 	2.1.9	 without the prior written consent of Party A, it shall not merge or consolidate with, or acquire or invest in
any person; 

  

	 	2.1.10	 it shall immediately notify Party A of the occurrence or possible occurrence of any litigation, arbitration or
administrative proceedings relating to Party C’s assets, businesses and revenues; 

  

	 	2.1.11	 for the purpose of maintaining the ownership by Party C of all its assets, it shall execute all necessary or
appropriate documents, take all necessary or appropriate actions and make all necessary or appropriate claims or raise necessary and appropriate defenses against all claims; 

  
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	 	2.1.12	 without the prior written consent of Party A, it shall not in any manner distribute dividends to its
shareholders, provided that upon Party A’s request, Party C shall immediately distribute all or part of its distributable profits to its shareholders; and 

 

	 	2.1.13	 at the request of Party A, it shall appoint any person designated by Party A as a director of Party C.

  

	 	2.2	 Party B undertakes that: 

 

	 	2.2.1	 without the prior written consent of Party A, it shall not in any manner supplement, change or amend the
articles of association of Party C, increase or decrease its registered capital, or otherwise change the structure of its registered capital; 

  

	 	2.2.2	 without the prior written consent of Party A, it shall not, at any time after the date hereof, sell, transfer,
mortgage or otherwise dispose of any legal or beneficial interest in the shares, nor allow any other security interest to be created thereon, except for the security interest created hereunder and the pledge created over Party B’s shares under
Party B’s equity pledge agreements; 

  

	 	2.2.3	 within the term hereof, it shall not otherwise grant options or similar rights to any other third party;

  

	 	2.2.4	 with in the term hereof, it shall procure and ensure Party C shall operate its business in compliance with
relevant applicable laws, regulations and requirements as well as other rules and documents issued by competent governmental authorities, and there will not be any material adverse effect on the business operation or assets of the company due to any
breach of the above requirements; 

  

	 	2.2.5	 it shall maintain its valid existence in accordance with good financial and business standards and practices by
operating its business and handling its affairs in a prudent and efficient manner, and it shall make its best efforts to obtain and maintain that Party C continues to have all permits, licenses and approvals that are necessary for its operation and
ensure that such permits, licenses and approvals will not be cancelled, revoked or declared to be invalidated; 

  

	 	2.2.6	 it shall, at the request of Party A, provide Party A with information relating to the business operation and
financial condition of Party C; 

  
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	 	2.2.7	 it shall procure Party C’s board of directors not to approve, without the prior written consent of Party
A, the sale, transfer, mortgage or disposal in any other manner of any Party C’s assets, nor allow any security interest to be created thereon; 

  

	 	2.2.8	 it shall procure Party C’s board of directors not to approve, without the prior written consent of Party
A, Party C’s merger or consolidation with any other person, or Party C’s acquisition of any other person or its investment into any other person, or any other transaction or act which may have significant adverse effect on Party C’s
assets, liabilities, operation, shares and its legal rights, or Party C’s voluntary close of business, liquidation or dissolution; 

  

	 	2.2.9	 it shall immediately notify Party A of the occurrence or possible occurrence of any litigation, arbitration or
administrative proceedings relating to any shares held by it or any event which may have any adverse effect on such shares; 

  

	 	2.2.10	 it shall procure the board of directors of Party C to vote in favor of the transfer of the Purchased Shares or
that of the Purchased Assets as set forth in this Agreement and take any other actions at the request of Party A; 

  

	 	2.2.11	 for the purpose of maintaining the ownership by Party B of the shares, it shall execute all necessary or
appropriate documents, take all necessary or appropriate actions and make all necessary or appropriate claims or raise necessary and appropriate defenses against all claims; 

 

	 	2.2.12	 at the request of Party A at any time, it shall unconditionally and promptly transfer its shares to Party A
and/or the Designated Person at any time; 

  

	 	2.2.13	 if prior to Party C’s dissolution, Party A (or its Designated Person) has paid the purchase price to Party
B with respect to the shares, but the change of business registration has not been completed, Party B shall, at the time of Party C’s dissolution or thereafter, deliver all proceeds received from residue property distribution arising from the
shares held by it in Party C to Party A (or its Designated Person) free of charge in a timely manner, in which case, Party B shall not claim any right with respect to the proceeds received from residue property distribution (except for the right to
be exercised as instructed by Party A); 

  
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	 	2.2.14	 it shall strictly observe the provisions of this Agreement and other agreements jointly or separately executed
by and among Party B, Party C and Party A, perform its obligations hereunder and thereunder, and refrain from action/omission that may affect the effectiveness and enforceability hereof and thereof. If Party B still retains any right with respect to
the shares under this Agreement or the Equity Pledge Agreements executed by and between the Parties hereto or the Power of Attorney of Party A, Party B shall not exercise such right unless as instructed by Party A in writing; and

  

	 	2.2.15	 at the request of Party A, it shall appoint any person designated by Party A as a director of Party C.

  

	 	2.3	 Party B1 and Party B3 undertake that: 

 

	 	2.3.1	 they shall strictly observe the provisions of this Agreement and the Exclusive Consultation and Service
Agreement, Equity Pledge Agreements and Power of Attorney jointly or separately executed by and among Party B, Party C and Party A, and reasonably exercise shareholder’s powers/rights, so as to enable Jinmushuihuotu Marketing to handle the
matters of the partnership pursuant to this Agreement and procure Party B2 to perform its obligations under this Agreement and/or relevant documents. 

  

	3	 Representations and Warranties 

 

	 	3.1	 Party B and Party C hereby jointly and severally represent and warrant to Party A as of the date hereof and
each share transfer date and asset transfer date: 

  

	 	3.1.1	 they have the right and ability to execute and deliver this Agreement and any Transfer Agreement to which
either of them is a party and which is entered into in respect of each transfer of the Purchased Shares or the Purchased Assets hereunder, and to perform their respective obligations under this Agreement and any Transfer Agreement. This Agreement
and the Transfer Agreements to which either of them is a party, once executed, shall constitute their legal, valid and binding obligations and shall be enforceable against them in accordance with the provisions thereof; 

  
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	 	3.1.2	 the execution and delivery of this Agreement or any Transfer Agreement and the performance of their respective
obligations under this Agreement or any Transfer Agreement shall not: (i) result in any violation of any applicable PRC laws; (ii) be in conflict with their articles of association or other constituent documents (if applicable); (iii)
result in the violation of any agreement or legal document to which either of them is a party or which is binding upon them, or constitute any breach under any agreement or legal document to which either of them is a party or which is binding upon
them; (iv) result in the violation of any condition (if applicable) for the grant and/or continued effectiveness of any license or approval issued to either of them; or (v) result in the suspension or revocation of or imposition of
additional conditions to any license or approval issued to either of them; 

  

	 	3.1.3	 Party B has a good and merchantable title to the shares held by it in Party C, subject to statutory transfer
restriction. Party B has not created any security interest on the said shares, other than the security interest created hereunder and the pledge created over Party B’s shares under Party B’s equity pledge agreements; 

 

	 	3.1.4	 Party C has the full title to the Purchased Assets under this Agreement, free of any lien, mortgage, pledge or
any third party right, other than those that have been disclosed to Party A for which Party A’s written consent has been obtained; 

  

	 	3.1.5	 Party C does not have any outstanding debts, except for legal debts incurred in the ordinary course of its
business, and debts disclosed to Party A for which Party A’s written consent has been obtained; 

  

	 	3.1.6	 Party C shall comply with all laws and regulations applicable to the acquisition of assets;

  

	 	3.1.7	 there are no ongoing, pending or threatened litigation, arbitration or administrative proceedings that are
related to the shares held by Party B in Party C, Party C’s assets or Party C, or may have substantial effect on this Agreement or any Transfer Agreement; and 

 

	 	3.1.8	 Party B has disclosed to Party A all events which may have material adverse effect on the performance of this
Agreement. 

  
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	4	 Effective Date 

 

	 	4.1	 This Agreement shall become effective as of the date of execution by the Parties (the “Effective
Date”). The initial term hereof shall be ten (10) years. The Parties hereby agree and acknowledge that this Agreement shall be automatically renewed for ten (10) years upon the expiration of any term, unless otherwise expressly
required by law (in which case Party A shall have the right to decide whether to renew this Agreement at its own discretion) or expressly required by Party A. 

 

	 	4.2	 As of the effective date of this Agreement, this Agreement shall supersede the Exclusive Call Option Agreement
dated June 29, 2018 among the Parties, which shall terminate automatically without prejudice to the liabilities of a defaulting party for breach under such agreement to other parties. 

 

	5	 Liabilities for Breach 

Unless otherwise provided herein, a default shall be constituted if a Party fails to fully perform or suspends to perform its obligations under
this Agreement and fails to make corrections within thirty (30) days of the receipt of a notice from the other Party, or any of its representations and warranties hereunder is untrue, inaccurate or misleading. 

If any Party hereto violates this Agreement or any of its representations and warranties hereunder, the
non-defaulting Party may, by a written notice, require the defaulting Party to, within ten (10) days of the receipt of the notice, correct such default, take relevant measures to effectively and timely
avoid damages , and continue to perform this Agreement. In case of damages, the defaulting Party shall indemnify the non-defaulting Party so as to make available to the
non-defaulting Party all interests that should have been enjoyed by the non-defaulting Party as if this Agreement was performed. 

If all Parties hereto violate this Agreement, the indemnity payable by each Party shall be determined based on the degree of their respective
default. 
  

	6	 Governing Law and Dispute Resolution 

 

	 	6.1	 Governing Law 

The execution, effectiveness, performance and interpretation of this Agreement and dispute resolution shall be governed by PRC law. 

  
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	 	6.2	 Dispute Resolution 

Any disputes between the Parties arising from the interpretation and performance of any provisions hereof shall be resolved in good faith by
them through consultation. If no agreement can be reached, any Party may submit such dispute to Shanghai International Economic and Trade Arbitration Commission (SHIAC) for arbitration in accordance with its arbitration rules then in force. The seat
of arbitration shall be Shanghai. The arbitration shall be conducted in Chinese. The arbitral award shall be final and binding upon all Parties. 
  

	7	 Taxes, Fees 

  

	 	7.1	 Party B undertakes and guarantees to Party A that, Party B will bear all expenses incurred by share or asset
transfer, and complete all formalities necessary for Party A and/or a third party designated by Party A to become a shareholder of Party C. Such formalities include, but are not limited to, assisting Party A in obtaining necessary approvals for
share or asset transfer from government authorities, and submitting all necessary documents to relevant industrial and commercial administrative authorities. 

  

	 	7.2	 The taxes incurred to the Parties during the performance of this Agreement shall be borne by the Parties
themselves. 

  

	8	 Notice 

Notices or other communications required to be sent by any Party or company under this Agreement shall be in Chinese, and be delivered, in
person, by mail or facsimile, to the addresses below or other designated addresses notified by other Parties from time to time. All notices, requirements or other communications sent pursuant to this Article shall be deemed as delivered: (i) if
sent nationally by registered mail or certified mail, on the third (3rd) business day after posting and obtaining a voucher issued by the post office; (ii) if sent overseas by registered mail or certified mail, on the tenth (10th) business day
after posting and obtaining a voucher issued by the post office; (iii) if by express delivery or in person, at the time of delivery to the said addresses; (iv) if by facsimile, at the time transmitted to the said facsimile numbers and when
a successful delivery message is received; or (v) if by email, at the time the relevant email reaches the email inbox of the receiving Party. 

  
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 Party A: Shanghai KunJia Technology Co., Ltd. 

Address: 
 Facsimile: 

Telephone: 
 Email: 

Attention: 
 Party B1: Dinggui
Yan 
 Address: 
 Telephone:

 Facsimile: 
 Email: 

Party B2: Shanghai Jinmushuihuotu Investment Center (Limited Partnership) 

Address: Room A 578, No.5503 Yunchuan Road, Baoshan District, Shanghai 

Facsimile: 
 Telephone: 

Email: 
 Attention: 

Party B3: Guanglin Zhang 

Address: 
 Telephone: 

Facsimile: 
 Email: 

Party B4: Yuanle Wu 

Address: 
 Telephone: 

Facsimile: 
 Email: 

  
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 Party C: Shanghai Jiayin Finance Technology Co., Ltd. 

Address: Room 2257, Building No.5, No. 1630 Yecheng Road, Jiading Industrial Zone, Shanghai 

Facsimile: 
 Telephone: 

Email: 
 Attention: 

 

	9	 Confidentiality Responsibility 

 

	 	9.1	 The Parties agree that, any material and information obtained, learnt or accessed by a Party from other Parties
due to the performance of this Agreement shall be confidential information (“Confidential Information”) which is of economic and commercial significance to providers, and the Parties undertake to take reasonable measures to keep it
confidential; without prior written consent from the provider of the Confidential Information, no Confidential Information shall be leaked, granted or transferred to any third party (including cases where the receiver of the Confidential Information
consolidates with, is merged by or is directly or indirectly controlled by the third party). 

  

	 	9.2	 The above restriction shall not apply to: 

 

	 	9.2.1	 information that becomes generally available to the general public at the time of disclosure;

  

	 	9.2.2	 information that becomes generally available to the general public after the disclosure through no fault on the
part of a Party to this Agreement; 

  

	 	9.2.3	 information that can be proved by a Party to have been in its possession before disclosure rather than obtained
from the other Party, directly or indirectly; and 

  

	 	9.2.4	 the Confidential Information that is required to be disclosed by a Party to relevant government authorities or
stock exchanges in accordance with law, or is required to be disclosed to such Party’s direct legal counsel or financial advisor as necessary in ordinary operation. 

 

	 	9.3	 Upon termination of this Agreement, the Parties shall dispose of any document, material or software containing
the Confidential Information as required by the providers, and delete the Confidential Information from any relevant information storage device, and may not continue to use the same. 

  
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	10	 Further Assurance 

The Parties agree to promptly execute such documents and take such further action as are reasonably required for or are conducive to the
implementation of the provisions and purpose of this Agreement. 
  

	11	 Miscellaneous 

 

	 	11.1	 Alteration and Supplementation 

No alteration of this Agreement shall be effective unless it is executed by the Parties in writing. Any amendment agreement and supplementary
agreement hereto duly executed by the Parties shall constitute an integral part of this Agreement and shall have the same legal effect as this Agreement. 
  

	 	11.2	 Compliance with Laws and Regulations 

The Parties shall comply with and procure that their respective operation completely comply with all PRC laws and regulations that are duly
published and publicly available. 
  

	 	11.3	 Entire Agreement 

Except for written amendments, supplements or modifications made after the execution hereof, this Agreement shall constitute the entire
agreement among the Parties with respect to the subject matter hereof, and shall supersede all prior agreements, contracts, understandings and communications among the Parties, oral or written, with respect to the subject matter hereof. 

 

	 	11.4	 Headings 

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

	 	11.5	 Language 

This Agreement shall be prepared and executed in Chinese, in eight (8) counterparts, each Party holding one counterpart, the rest being
maintained by the company, with equal legal effect. 
  

	 	11.6	 Severability 

If any provision or provisions of this Agreement is/are held to be invalid, illegal or unenforceable in any respect in accordance with any
laws or regulations, the validity, legality or enforceability of the remaining provisions of this Agreement shall not be affected or impaired in any respect. The Parties shall, through amicable negotiations, replace such invalid, illegal or
unenforceable provision or provisions with valid provision or provisions the economic effect of which shall be as close as possible to that of those invalid, illegal or unenforceable provision or provisions. 

  
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	 	11.7	 Successors 

This Agreement shall be binding on and shall inure to the interest of the respective successors of the Parties and the permitted assignees of
the Parties. 
  

	 	11.8	 Survival 

  

	 	11.8.1	 Any obligation that occurs or is due as a result of this Agreement prior to the expiration or early termination
of this Agreement shall survive the expiration or early termination hereof. 

  

	 	11.8.2	 The provisions of Article 5, 6, 8, 9 and this Article 11.8 hereof shall survive the termination of this
Agreement. 

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 No text on this Page. This is the signature page of the Exclusive Call Option Agreement. 

Party A: Shanghai KunJia Technology Co., Ltd. (stamp) 

Legal representative: /s/ Dinggui Yan 

  
 Signature Page of the
Exclusive Call Option Agreement 

 No text on this Page. This is the signature page of the Exclusive Call Option Agreement. 

Party B1: Dinggui Yan 
 /s/
Dinggui Yan 
 (signature) 

  
 Signature Page of the
Exclusive Call Option Agreement 

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Party B2: Shanghai Jinmushuihuotu Investment Center (Limited Partnership) (stamp)  

Managing partner: Shanghai Jinmushuihuotu Marketing and Planning Co., Ltd. (stamp) 

Designated or authorized representative: /s/ Guanglin Zhang (signature) 

  
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Exclusive Call Option Agreement 

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Party B3: Guanglin Zhang 

/s/ Guanglin Zhang 

(signature) 

  
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Exclusive Call Option Agreement 

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Party B4: Yuanle Wu 

/s/ Yuanle Wu 

(signature) 

  
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Exclusive Call Option Agreement 

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Party C: Shanghai Jiayin Finance Technology Co., Ltd. (stamp)  

Legal representative: /s/ Dinggui Yan 

  
 Signature Page of the
Exclusive Call Option AgreementEX-10.11

 Exhibit 10.11 

Exclusive Consultation and Service Agreement 

This Exclusive Consultation and Service Agreement (hereinafter referred to as this “Agreement”) is made on
June 29, 2018 in Shanghai by and between the following parties (hereinafter referred to as the “Parties”): 

Party A: Shanghai KunJia Technology Co., Ltd. 

Registered address: Room 6106, Building 4, 5475 Yunchuan Road, Baoshan District, Shanghai 

Legal representative: Dinggui Yan 

Party B: Shanghai Jiayin Finance Technology Co., Ltd. 

Registered address: Room 2257, Building 5, 1630 Yecheng Road, Jiading Industrial Zone, Shanghai 

Legal representative: Dinggui Yan 
 WHEREAS:

  

	1.	 Party A is a wholly foreign-owned enterprise duly incorporated and validly existing in the People’s
Republic of China (hereinafter referred to as the “PRC”, and for the purpose of this Agreement, excluding the Hong Kong Special Administrative Region, Macao Special Administrative Region and Taiwan), and owns resources to provide
consultation and related services; 

  

	2.	 Party B is a company limited by shares incorporated in the PRC; and 

 

	3.	 Party A agrees to provide exclusive consultation and related services to Party B, and Party B agrees to accept
the consultation and related services provided by Party A. 

  
 1 

 NOW THEREFORE, through amicable negotiation, on the principle of equality and mutual benefit, Party A
and Part B hereby agree as follows: 
  

	1	 Consultation and Services: Sole and Exclusive Interests 

 

	 	1.1	 During the term of this Agreement, Party A agrees to act as the exclusive consultation and service provider of
Party B to provide Party B with relevant consultation and services as set out in Appendix I hereto in accordance with the conditions of this Agreement. 

  

	 	1.2	 Party B hereby agrees to accept the consultation and services provided by Party A within the term of this
Agreement. Considering the value of the consultation and services provided by Party A and the good cooperation relationship between the Parties, Party B further agrees that, during the term of this Agreement, it shall not accept any consultation and
services from any third party in connection with the business involved herein without Party A’s prior written consent. 

  

	 	1.3	 Party A shall be the sole and exclusive owner of all rights and interests in any rights, titles, interests and
intellectual property arising from the performance of this Agreement, including, but not limited to, any trademark, copyright, patent, know-how, trade secret and others, whether developed by Party A
independently or based on Party B’s intellectual property, or by Party B based on Party A’s intellectual property. Party B shall not claim any of such rights, titles, interests and intellectual property against Party A.

  

	 	1.4	 If any development is made by Party A based on Party B’s intellectual property, Party B shall ensure that
such intellectual property is free from any defect. Otherwise, Party B shall be liable for any loss caused thereby to Party A. If Party A is liable to indemnify any third party as a result thereof, after such indemnification, Party A shall have the
right to recover all of its losses from Party B. 

  

	 	1.5	 Considering the good cooperation relationship between the Parties, Party B undertakes that it shall obtain
Party A’s prior written consent if it intends to engage in any business cooperation with other enterprises. 

  

	2	 Calculation and Payment of Fees for Consultation and Services (hereinafter referred to as “Service
Fee”) 

  

	 	2.1	 The Parties agree that Party B shall calculate and pay the Service Fee in the manner set out in Appendix II
hereto for each financial quarter with profits generated. 

  
 2 

	 	2.2	 If Party B fails to pay the Service Fee or other fees as stipulated herein, Party B shall otherwise pay Party A
liquidated damages of 0.05% of the amount overdue per day. 

  

	 	2.3	 Party A shall have the right to, at its own cost, appoint an employee or a certified accountant of the PRC or
other countries (hereinafter referred to as “Party A’s Authorized Representative”) to verify Party B’s book of accounts to audit the calculation method and amount of the Service Fee. For this purpose, Party B shall provide Party
A’s Authorized Representative with all required documents, book of accounts, records and data, to allow Party A’s Authorized Representative to audit the book of accounts of Party B and determine the amount of the Service Fee. Save for an
exceptionally significant error, the amount of the Service Fee shall be the amount determined by Party A’s Authorized Representative. 

  

	 	2.4	 Unless otherwise agreed by the Parties through negotiation, Party B shall pay the Service Fee to Party A under
this Agreement without any deduction or set-off (for example, bank charges). 

  

	 	2.5	 Party B’s shareholders shall pledge the shares held by them in Party B to Party A as security for the
Service Fee, liquidated damages, actual costs and compensation payable by Party B and the obligations Party B should perform under this Agreement. 

  

	 	2.6	 In addition to the Service Fee, Party B shall pay Party A the actual costs incurred by Party A for providing
the consultation and services hereunder, including without limitation travel expenses, transportation fees, reproduction fees and postage. 

  

	 	2.7	 The Parties agree to share all economic losses resulting from the performance of this Agreement.

  

	3	 Representations and Warranties 

 

	 	3.1	 Party A hereby represents and warrants that: 

 

	 	3.1.1	 Party A is a wholly foreign owned enterprise duly incorporated and validly existing under the laws of the PRC;

  

	 	3.1.2	 Party A performs this Agreement within its corporate power and business scope and with necessary corporate
authorizations. No consents or approvals from any other third party or governmental authorities are required. Party A’s performance of this Agreement will not violate any law or contract binding upon or affecting Party A; and

  
 3 

	 	3.1.3	 this Agreement shall constitute a legal, valid and binding obligation on Party A enforceable against it in
accordance with the terms hereof upon execution. 

  

	 	3.2	 Party B hereby represents and warrants that: 

 

	 	3.2.1	 Party B is a company duly incorporated and validly existing under the laws of the PRC; 

 

	 	3.2.2	 Party B performs this Agreement within its corporate power and business scope and with necessary corporate
authorizations. No consents or approvals from any other third party or governmental authorities are required. Party B’s performance of this Agreement will not violate any law or contract binding upon or affecting Party B; and

  

	 	3.2.3	 this Agreement shall constitute a legal, valid and binding obligation on Party B enforceable against it in
accordance with the terms hereof upon execution; 

  

	 	3.2.4	 Party B has obtained the business license necessary for performing this Agreement. Party B has sufficient
rights and qualifications to engage in the business currently conducted by it and other businesses conducted by it in the PRC; 

  

	 	3.2.5	 Party B shall promptly notify Party A of any circumstances which have had or would a have material adverse
effect on its business operation, and use its best efforts to prevent the occurrence of such circumstances and/or expansion of losses; and 

  

	 	3.2.6	 unless with Party A’s prior written consent, Party B shall not enter into any transaction (save as those
occurring in the normal or ordinary course of business, or disclosed to and approved by Party A in writing) which may have a substantial effect on Party B’s qualifications, liabilities, business operation, shareholding structure, equity
interests/shares in a third party and other legal rights. 

  
 4 

	4	 Indemnity 

  

	 	4.1	 Unless otherwise provided herein, a default shall be constituted if a Party fails to fully perform or suspends
to perform its obligations under this Agreement and fails to make corrections within thirty (30) days of the receipt of a notice from the other Party, or any of its representations or warranties is untrue. 

 

	 	4.2	 If any Party hereto violates this Agreement or any of its representations and warranties hereunder, the non-defaulting Party may, by a written notice, require the defaulting Party to, within a reasonable period or ten (10) days of the receipt of the notice, correct such default, take relevant measures to
effectively and timely avoid damages, and continue to perform this Agreement. In case of damages, the defaulting Party shall indemnify the non-defaulting Party so as to make available to the non-defaulting Party all interests that should have been enjoyed by the non-defaulting Party as if this Agreement was performed. 

 

	 	4.3	 If any Party violates this Agreement and causes any expenses, liabilities or losses (including but not limited
to loss of profit of the company) to the other Party, the defaulting Party shall indemnify the non-defaulting Party against any of such expenses, liabilities or losses (including but not limited to interest
and attorney’s fee paid or lost as a result of the default). The defaulting Party shall pay the non-defaulting Party an aggregate of indemnity equal to the losses caused by such default. Such indemnity
shall cover the interests that should have been enjoyed by the non-defaulting Party for its performance of this Agreement, but shall not exceed the reasonable expectation of the Parties hereto.

  

	 	4.4	 Party B shall be liable for all claims raised by any person due to Party B’s misuse of Party A’s
intellectual property or improper technical operation in violation of Party A’s instruction. If Party B is aware of any use of Party A’s intellectual property by any person without due authorization, Party B shall immediately notify Party
A and cooperate in any actions taken by Party A. 

  

	 	4.5	 If both Parties hereto violate this Agreement, the indemnity payable by each Party shall be determined based on
the degree of their respective default. 

  
 5 

	5	 Entire Agreement and Alteration 

 

	 	5.1	 This Agreement and all agreements and/or documents referred to or expressly contained herein shall constitute
entire agreement between the Parties with respect to the subject matter hereof, and shall supersede all prior agreements, contracts, understandings and communications between the Parties, oral or written, with respect to the subject matter hereof.

  

	 	5.2	 No alteration of this Agreement shall be effective unless it is executed by the Parties in writing. Any
amendment agreement and supplementary agreement hereto duly executed by the Parties shall constitute an integral part of this Agreement and shall have the same legal effect as this Agreement. 

 

	6	 Governing Law 

The execution, effectiveness, performance and interpretation of this Agreement and dispute resolution shall be governed by PRC law. 

 

	7	 Dispute Resolution 

 

	 	7.1	 Any disputes between the Parties arising from the interpretation and performance of any provisions hereof shall
be resolved in good faith by them through consultation. If no agreement can be reached in respect of a dispute, either Party may submit such dispute to Shanghai International Economic and Trade Arbitration Commission (SHIAC) for arbitration in
accordance with its arbitration rules then in force. The seat of arbitration shall be Shanghai. The arbitration shall be conducted in Chinese. The arbitral award shall be final and binding upon the Parties. 

 

	 	7.2	 Other than the matters in dispute, each Party shall still continue to perform its obligations in good faith
pursuant to this Agreement. 

  

	8	 Notice 

Notices or other communications required to be sent by any Party or company under this Agreement shall be in Chinese, and be delivered, in
person, by mail or facsimile, to the addresses below or other designated addresses notified by the other Party from time to time. All notices, requirements or other communications sent pursuant to this Article shall be deemed as delivered:
(i) if sent nationally by registered mail or certified mail, on the third (3rd) business day after posting and obtaining a voucher issued by the post office; (ii) if sent overseas by registered mail or certified mail, on the tenth (10th)
business day after posting and obtaining a voucher issued by the post office; (iii) if by express delivery or in person, at the time of delivery to the said addresses; (iv) if by facsimile, at the time transmitted to the said facsimile
numbers and when a successful delivery message is received; or (v) if by email, at the time the relevant email reaches the email inbox of the receiving Party. 

  
 6 

 Party A: Shanghai KunJia Technology Co., Ltd. 

Address: 
 Facsimile: 

Telephone: 
 Email: 

Attention: 
 Party B: Shanghai
Jiayin Finance Technology Co., Ltd. 
 Address: Room 2257, Building 5, 1630 Yecheng Road, Jiading Industrial Zone, Shanghai 

Telephone: 
 Facsimile: 

Email: 
 Attention: 

 

	9	 Confidentiality 

 

	 	9.1	 The Parties agree that, any material and information obtained, learnt or accessed by a Party from the other
Party due to the performance of this Agreement shall be confidential information (“Confidential Information”) which is of economic and commercial significance to the provider, and the Parties undertake to take reasonable measures to keep
it confidential; without prior written consent from the provider of the Confidential Information, no Confidential Information shall be leaked, granted or transferred to any third party (including cases where the receiver of the Confidential
Information consolidates with, is merged by or is directly or indirectly controlled by the third party). 

  

	 	9.2	 The above restriction shall not apply to: 

 

	 	9.2.1	 information that becomes generally available to the general public at the time of disclosure;

  

	 	9.2.2	 information that becomes generally available to the general public after the disclosure through no fault on the
part of a Party to this Agreement; 

  
 7 

	 	9.2.3	 information that can be proved by a Party to have been in its possession before disclosure rather than obtained
from the other Party, directly or indirectly; and 

  

	 	9.2.4	 the Confidential Information that is required to be disclosed by a Party to relevant government authorities or
stock exchanges in accordance with law, or is required to be disclosed to such Party’s direct legal counsel or financial advisor as necessary in ordinary operation. 

 

	 	9.3	 Upon termination of this Agreement, Party A and Party B shall dispose of any document, material or software
containing the Confidential Information as required by the provider, and delete the Confidential Information from any relevant information storage device, and may not continue to use the same. 

 

	 	9.4	 The Parties agree that this Article 9 shall survive the modification, rescission and termination of this
Agreement. 

  

	10	 Force Majeure 

 

	 	10.1	 Where the performance of this Agreement is delayed or impeded by any “Force Majeure Event”, only to
the extent of such part of performance delayed or impeded, the Party affected by force majeure need not bear associated liabilities hereunder. “Force Majeure Event” means any event that is beyond the reasonable control of a Party and that
is unavoidable even though the Party so affected gives reasonable attention to it, including but not limited to act of government, act of nature, fire, explosion, geographical change, typhoon, flood, earthquake, tidal, lightning or war. However, the
shortage of credit, capital or financing shall not be deemed as events beyond the reasonable control of a Party. If a Party affected by any “Force Majeure Event” seeks to be released from any obligation hereunder, such Party shall, as soon
as practicable, inform the other Party of such obligation proposed to be released and the steps it needs to take to complete the performance. 

  

	 	10.2	 A Party affected by force majeure shall not bear any liabilities hereunder arising therefrom, provided that the
Party seeking obligation release shall be released from performing the obligation for the part of performance delayed or impeded only when the affected Party uses its practicable effort to perform this Agreement. Once the cause for such released
obligation has been corrected and remedied, the Parties agree to use their best efforts to resume the performance hereunder. 

  
 8 

	11	 Effectiveness, Term and Miscellaneous 

 

	 	11.1	 Party A’s written consents, recommendations, designation and other decisions hereunder which may have
material effect on Party B’s daily operation shall be made by the board of directors of Party A or, if Party A has no board of directors, by the executive director of Party A. 

 

	 	11.2	 This Agreement shall be executed by the Parties and become effective on the date first above written. The
initial term hereof shall be ten (10) years commencing from the effective date of this Agreement. The Parties hereby agree and acknowledge that this Agreement shall be automatically renewed for ten (10) years upon the expiration of any
term, unless otherwise expressly required by law (in which case Party A shall have the right to decide whether to renew this Agreement at its own discretion) or expressly required by Party A. 

 

	 	11.3	 Within the term of this Agreement, Party B shall not terminate this Agreement earlier. Party A shall have the
right to terminate this Agreement at any time by giving Party B a written notice thirty (30) days in advance. 

  

	 	11.4	 The Parties hereby acknowledge that this Agreement is a fair and reasonable agreement entered into by and
between the Parties on the basis of equality and mutual benefit. If any provision or requirement hereof should be held under any applicable law to be illegal or unenforceable, such provision shall be deemed to be removed from this Agreement and
become invalid, but the validity of the remaining provisions herein shall not be affected, and this Agreement shall be deemed not to contain such provision from the beginning. The Parties shall, through mutual negotiations, replace such removed
provision with a legal and valid provision which is acceptable to both Parties. 

  

	 	11.5	 Any failure by either Party to exercise any right, power or privilege hereunder shall not be deemed as a waiver
thereof. Any single or partial exercise by a Party of any right, power or privilege shall not affect the exercise by it of any other right, power or privilege. 

 

	 	11.6	 The Parties hereby agree and acknowledge that, unless with Party A’s prior written consent, Party B shall
not transfer its rights and obligations under this Agreement to any third party other than the Parties hereto. Party B hereby agrees and acknowledges that Party A may transfer its rights and obligations hereunder to a third party when necessary; and
at the time of such transfer, Party A only needs to give Party B a written notice and is not required to obtain Party B’s consent. 

  
 9 

	 	11.7	 This Agreement shall have legal effect on the legal successors of the Parties. 

 

	 	11.8	 This Agreement is written and executed in Chinese, in four (4) counterparts, each Party holding one
counterpart, the rest being maintained by the company, with equal legal effect. 

 (The remainder of this page is
intentionally left blank.) 

  
 10 

 No text below. This is the signature page of the Exclusive Consultation and Service
Agreement. 
  

			
	Party A: Shanghai KunJia Technology Co., Ltd. (stamp)	 	

  

					
	Legal representative:	  	 /s/ Dinggui Yan        
	  	 (signature)

  
 Signature Page of the
Exclusive Consultation and Service Agreement 

 No text below. This is the signature page of the Exclusive Consultation and Service
Agreement. 
  

			
	Party B: Shanghai Jiayin Finance Technology Co., Ltd. (stamp)	 	

  

					
	Legal representative:	 	 /s/ Dinggui Yan        
	  	 (signature)
  

  

  
 Signature Page of the
Exclusive Consultation and Service Agreement 

 Appendix I: 

List of Consultation and Services 
  

	1.	 Providing the research and development services of software and hardware related to the business;

  

	2.	 Providing technological development, consultation, transfer and promotion services; 

 

	3.	 Providing other technological services; 

 

	4.	 Providing public relation services; 

 

	5.	 Providing market survey, research and marketing consultation services; 

 

	6.	 Providing preparation of
short-to-medium term market development and market planning services; 

  

	7.	 Providing sales agency service; 

 

	8.	 Providing pre-job training and
on-job training; and 

  

	9.	 Providing other services. 

 

  
 Appendix I to the
Exclusive Consultation and Service Agreement 

 Appendix II: 

Method for Calculation and Payment of Service Fee 
  

	 	I.	 To the extent permitted by PRC law, after making up losses of previous years (if necessary) and deducting
necessary costs, expenses and taxes with respect to business operation, Party B shall pay in full to Party A the pre-tax profit without calculating the exclusive consultation and service fee hereunder as the
fee for Party A’s provision of consultation and services to Party B hereunder, but Party A has the right to adjust the amount of such fee based on specific situation of Party A’s provision of the exclusive consultation and service to Party
B, Party B’s state of operation and Party B’s developmental needs. 

  

	 	II.	 The amount of the Service Fee shall be negotiated by the Parties based on the following factors:

  

	 	1.	 the level of technological difficulty and complexity of consultation and services; 

 

	 	2.	 the time spent on consultation and services by Party A’s employees; 

 

	 	3.	 the specific content and commercial value of consultation and services; and 

 

	 	4.	 market reference prices for consultation and services of the same type. 

 

	 	III.	 Party A shall calculate the Service Fee on a quarterly basis, and within thirty (30) days from the
beginning of any quarter, notify Party B by issuing the Service Fee bill for the previous quarter to Party B. Within ten (10) business days after receiving such notice, Party B shall pay such fee to the bank account designated by Party A. Party
B shall, within ten (10) business days after the transfer of the amount, send Party A the photocopy of the voucher of the transfer by fax or mail. 

  

	 	IV.	 If Party A considers that the service pricing mechanism agreed hereunder is not applicable due to any reason
and is subject to adjustment, Party B shall, within ten (10) business days after Party A proposes fee adjustment in writing, actively negotiate with Party A in good faith to determine a new standard or pricing mechanism. If Party B fails to
respond within ten (10) business days after receiving the said notice for adjustment, it shall be deemed to be acquiescent to such service fee adjustment. At the request of Party B, Party A shall also negotiate with Party B with respect to
service fee adjustment. 

  

  
 Appendix II to the
Exclusive Consultation and Service Agreement

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