DripLink founder and chairman, and former chief executive of Hong Kong Exchange & Clearing Ltd. (HKEX), Li Xiaojia, revealed at a financial summit that DripLink will formally "set out again" on August 3rd, coinciding with its fifth anniversary. He candidly admitted that the company has experienced "two very dark and painful years" while exploring the frontiers of micro-finance. The core reason was that the team severely underestimated the operational costs of capturing and evaluating tiny contracts at the grassroots level. However, the explosion of AI technology has become the key energy source to solve this problem.
Li Xiaojia pointed out that the traditional "big finance" model, which relies on large institutions and large-grid systems, can no longer adapt to the current inclusive consumption economy supported by countless micro and small enterprises. He stated that with the rise of the middle class in emerging markets such as China, India, and Latin America, the consumer economy is accelerating its transformation, with a vast number of micro and small enterprises forming the economic base. Citing the example of NVIDIA founder Jensen Huang revealing a shift in chip sales towards a revenue-sharing model, he illustrated that micro-economies have released enormous energy, yet the traditional financial system cannot effectively reach them.
Reflecting on the exploration journey, Li Xiaojia revealed that DripLink has already invested 4.4 billion yuan of its own funds to validate its business model, proving that its non-equity, non-debt, highly diversified partnership contract model is entirely feasible and can effectively identify risks. However, over the past two years, the operational costs for the team in capturing and evaluating tiny contracts at the grassroots level far exceeded expectations. The advent of the AI era has provided a solution to this dilemma.
Details of the 3.0 Model
Previously at the 2026 New Beijing News Shell Finance Annual Meeting in Hong Kong, Li Xiaojia also detailed the plan for DripLink's version 3.0. According to his introduction, the new marketplace will rely on AGI tools to achieve standardized trading of micro-contract rights, aiming to create a "third capital market" beyond stocks and bonds. The core logic of DripLink 3.0 is to standardize various commercial contract rights and list them for trading. Through a "four-dimensional code" system, contracts are split into certificates with a face value of 1,000 yuan for investors to trade, achieving small-amount, diversified allocation.
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