SCHEDULE 13D/A

X FINL SPONSORED ADS

American depositary shares, each ADS represents six Class A ordinary shares, par value US$0.0001 per share Class A ordinary shares, par value US$0.000 · CUSIP: 98372W103

Event date: 2026-03-31

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: 42.11%

• Rhone Trustees (Bahamas) Ltd. as trustee of the Mangrove Coast Trust

  Shares: 98,765,278.00 · Class: 42.11%

• Purple Mountain Holding Ltd.

  Shares: 4,068,241.00 · Class: 1.73%

• Yue (Justin) TangReported CIK 0002115086

  Shares: 114,934,942.00 · Class: 49.01%

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