SCHEDULE 13D

X FINL SPONSORED ADS

American depositary shares, each ADS represents 6 Class A ordinary shares, par value US$0.0001 per share Class A ordinary shares, par value US$0.0001 · CUSIP: 98372W103

Event date: 2026-11-06

Reporting persons may disclose overlapping interests. Their amounts are shown individually and are not added into a filing total.

Filing-level shares

Unavailable

Percent of class

Unavailable

• Mangrove Coast Investment LimitedReported CIK 0001768213

  Shares: 98,765,278.00 · Class: 42.74%

• Rhone Trustees (Bahamas) Ltd. as trustee of the Mangrove Coast TrustReported CIK 0001399533

  Shares: 98,765,278.00 · Class: 42.74%

• Yue (Justin) TangReported CIK 0002115086

  Shares: 110,866,701.00 · Class: 47.97%

Amounts are as disclosed in this filing. Schedule type alone does not establish investment intent.