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Xiaoying Technology (小赢科技) is a Shenzhen-based fintech company that deploys a fully embodied digital human as the centerpiece of its consumer service infrastructure. In Q3 2025, the company launched Win-Daidai, a visually rendered virtual digital human built on a technology stack integrating AI voice synthesis, real-time rendering, and intent recognition. The character has a defined visual identity — a blue-and-white color scheme, semi-transparent smart earpiece, heart-shaped work badge, smart glasses ring, face-level flowing 0-1 data light effects, and dynamic lighting that shifts with service states such as flashing green on loan approval. Win-Daidai operates as both a 24/7 intelligent customer service agent and a digital brand ambassador, handling loan consultation, process guidance, risk assessment, and repayment reminders while also producing financial literacy content including anti-fraud short dramas and consumer rights comics. A companion sub-character, Xiaoying Zai (小赢仔), functions alongside Win-Daidai in an accompanying emotional support role. The digital human is developed within the company's broader Win product ecosystem alongside the WinSAFE risk framework, WinPROT consumer protection system, and WinAgent intelligent agent platform, and is iterated rapidly through the proprietary WinAGILE development framework.