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Token Consumption as Basis for Loans to AI Companies: A Major Shift in Chinese Banks’ Credit Models

AI

Token Consumption as Basis for Loans to AI Companies: A Major Shift in Chinese Banks’ Credit Models

In China, a new “token loan” is using AI companies’ token consumption as the basis for lending, marking a radical departure from the traditional collateral-focused model in a financial experiment now expanding nationwide.

August 18, 2026

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