U-BX Technology Ltd. provides artificial intelligence driven technology services to insurance carriers in China. The company concentrates on three core offerings: digital promotion risk assessment and value added bundles. Through its PRC operating entities it helps insurers increase online visibility evaluate vehicle risk and offer ancillary benefits to policyholders. These services are delivered via partnerships with social media platforms, data analytics providers, and vehicle service networks. U-BX Technology Ltd. serves over three hundred city level property and casualty insurance carriers nationwide. The firm leverages big data analytics and machine learning to tailor its services to the evolving needs of the insurance sector.

Revenue from digital promotion services is generated based on the number of user clicks, views, or promotion time purchased by insurance carrier clients on social media platforms. The company tracks engagement metrics and bills clients according to agreed upon volumes of traffic or exposure duration. Risk assessment services produce income each time an individualized vehicle risk report is delivered to an insurance carrier using the company's proprietary Magic Mirror algorithm. Fees are typically charged per report and vary with the depth of analysis requested. Value added bundled benefits are sold as service codes that enable insurance carriers to offer car washes, maintenance plans, parking notifications, and similar services to their policyholders. Revenue is recognized when the codes are sold to carriers who then provide the underlying services to end users. In recent fiscal periods digital promotion has contributed the largest share of total revenue followed by risk assessment and value added bundles.

The company operates through the following segments: Digital Promotion Services, Risk Assessment Services, and Value Added Bundled Benefits.

• Digital Promotion Services: This segment provides digital promotion services that increase insurer visibility on platforms such as Tik Tok, Kuaishou, and Weibo by placing tracked hyperlinks on high traffic websites and social media feeds. Revenue is earned based on the number of user clicks, views, or promotion time agreed upon with clients. Clients receive monthly performance reports that detail click through rates and engagement metrics.

• Risk Assessment Services: This segment delivers individualized vehicle risk reports using the Magic Mirror algorithm which analyzes vehicle brand, model, age, travel area, and historical claims data to estimate accident likelihood and claim costs. Income is generated per report supplied to insurance carriers. The algorithm incorporates publicly available automobile statistics repair cost information and historical claim patterns from major insurers. Updates to the model are made quarterly to reflect changing risk trends and regulatory requirements.

• Value Added Bundled Benefits: This segment sells service codes that allow insurers to provide car washes, maintenance plans, parking notifications, and other value added services to their customers. The codes are sourced from a network of vehicle maintenance providers across China and enable nationwide service delivery. Insurers embed these codes in their customer communications enabling policyholders to access services via a simple code redemption process. Revenue from this segment is recognized when the insurer activates the code for a policyholder.

U-BX Technology Ltd. positions itself as a pioneer in AI driven insurance technology in China focusing on digital promotion risk scoring and value added services. Competitors include other insurtech firms that offer comparable digital marketing or risk modeling solutions but the company differentiates through its proprietary algorithm and extensive carrier network. Its advantages include a deep understanding of the Chinese insurance market, a proprietary AI model called Magic Mirror, and a broad network of over three hundred insurance carriers. The company also benefits from its ability to integrate big data analytics with insurance underwriting processes to improve risk prediction accuracy. U-BX Technology Ltd. continues to expand its client base by targeting underserved regional insurers and investing in new AI driven product features.

The company serves more than three hundred city level property and casualty insurance carriers across China. Specific partners include the People's Insurance Company of China, Dajia Property Insurance Co. Ltd., China Pacific Property Insurance Co. Ltd., China Life Property Insurance Co. Ltd., Yongcheng Property Insurance Co. Ltd., and Huatai Insurance Brokers Co. Ltd. These relationships allow U-BX Technology Ltd. to reach a wide base of policyholders through its digital promotion and risk assessment platforms. A small number of large carriers account for a significant portion of the company's revenue reflecting typical concentration in the insurance technology sector.