<?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/schedule13g" xmlns:com="http://www.sec.gov/edgar/common">
  <headerData>
    <submissionType>SCHEDULE 13G</submissionType>
    <filerInfo>
      <filer>
        <filerCredentials>
          <!-- Field: Pseudo-Tag; ID: Name; Data: Legend Architecture Consultant Ltd -->
          <cik>0002076361</cik>
          <ccc>XXXXXXXX</ccc>
        </filerCredentials>
      </filer>
      <liveTestFlag>LIVE</liveTestFlag>


    </filerInfo>
  </headerData>
  <formData>
    <coverPageHeader>
      <securitiesClassTitle>Each ADS represents six Class A ordinary shares, par value US$0.0001 per share Class A ordinary shares, par value US$0.0001 per share</securitiesClassTitle>
      <eventDateRequiresFilingThisStatement>04/25/2025</eventDateRequiresFilingThisStatement>
      <issuerInfo>
        <issuerCik>0001725033</issuerCik>
        <issuerName>X Financial</issuerName>
        <issuerCusip>98372W103</issuerCusip>
        <issuerPrincipalExecutiveOfficeAddress>
          <com:street1>7-8F,BLOCK A,AEROSPACE SCIENCE&amp;TECH PLZ,</com:street1>
          <com:street2>NO. 168 HAIDE THIRD AVENUE, NANSHAN DIST</com:street2>
          <com:city>SHENZHEN</com:city>
          <com:stateOrCountry>F4</com:stateOrCountry>
          <com:zipCode>518067</com:zipCode>
        </issuerPrincipalExecutiveOfficeAddress>
      </issuerInfo>
      <designateRulesPursuantThisScheduleFiled>
        <designateRulePursuantThisScheduleFiled>Rule 13d-1(c)</designateRulePursuantThisScheduleFiled>
      </designateRulesPursuantThisScheduleFiled>
    </coverPageHeader>
    <coverPageHeaderReportingPersonDetails>


      <reportingPersonName>Legend Architecture Consultant Limited</reportingPersonName>
      <citizenshipOrOrganization>D8</citizenshipOrOrganization>
      <reportingPersonBeneficiallyOwnedNumberOfShares>
        <soleVotingPower>15576134.00</soleVotingPower>
        <sharedVotingPower>0.00</sharedVotingPower>
        <soleDispositivePower>15576134.00</soleDispositivePower>
        <sharedDispositivePower>0.00</sharedDispositivePower>
      </reportingPersonBeneficiallyOwnedNumberOfShares>
      <reportingPersonBeneficiallyOwnedAggregateNumberOfShares>15576134.00</reportingPersonBeneficiallyOwnedAggregateNumberOfShares>
      <aggregateAmountExcludesCertainSharesFlag>N</aggregateAmountExcludesCertainSharesFlag>
      <classPercent>10.00</classPercent>
      <typeOfReportingPerson>CO</typeOfReportingPerson>
      <comments>(1)Represents 15,576,134 Class A Ordinary Shares represented by 2,316,075 American Depositary Shares held by Legend Architecture Consultant Limited.
(2)The percentage of the class of securities is calculated by dividing the number of shares beneficially owned by the reporting person by all of the issuer's issued and outstanding Class A ordinary shares as of March 31, 2025, as provided by the issuer in the Form 20-F filed on April 25, 2025. According to the Form 20-F filed on April 25, 2025 by the issuer, 155,656,363 Class A ordinary shares and 97,600,000 Class B ordinary shares are issued and outstanding as of March 31, 2025.
The shares beneficially owned by the reporting person represents 10.00% of the total outstanding Class A Ordinary Shares. The shares beneficially owned by the reporting person represents 0.74% of the total outstanding voting power. The percentage of voting power is calculated by dividing the voting power beneficially owned by the reporting person by the voting power beneficially owned by all of the issuer's holders of Class A ordinary shares and Class B ordinary shares as a single class as of March 31, 2025. Each holder of the Class A ordinary share is entitled to one vote per share and each holder of the Class B ordinary share is entitled to 20 votes per share.</comments>
    </coverPageHeaderReportingPersonDetails>
    <items>
      <item1>
        <issuerName>X Financial</issuerName>
        <issuerPrincipalExecutiveOfficeAddress>7-8F,BLOCK A,AEROSPACE SCIENCE&amp;TECH PLZ, NO. 168 HAIDE THIRD AVENUE, NANSHAN DIST, SHENZHEN, F4, 518067</issuerPrincipalExecutiveOfficeAddress>
      </item1>
      <item2>
        <filingPersonName>Legend Architecture Consultant Limited</filingPersonName>
        <principalBusinessOfficeOrResidenceAddress>Wickhams Cay II, Road Town, Tortola, British Virgin Islands</principalBusinessOfficeOrResidenceAddress>
        <citizenship>VIRGIN ISLANDS, BRITISH</citizenship>
      </item2>
      <item3>
        <notApplicableFlag>Y</notApplicableFlag>
      </item3>
      <item4>
        <amountBeneficiallyOwned>15,576,134 Class A Ordinary Shares</amountBeneficiallyOwned>
        <classPercent>10.00%</classPercent>
        <numberOfSharesPersonHas>
          <solePowerOrDirectToVote>15,576,134 Class A Ordinary Shares</solePowerOrDirectToVote>
          <sharedPowerOrDirectToVote>0</sharedPowerOrDirectToVote>
          <solePowerOrDirectToDispose>15,576,134 Class A Ordinary Shares</solePowerOrDirectToDispose>
          <sharedPowerOrDirectToDispose>0</sharedPowerOrDirectToDispose>
        </numberOfSharesPersonHas>
      </item4>
      <item5>
        <notApplicableFlag>Y</notApplicableFlag>
      </item5>
      <item6>
        <notApplicableFlag>Y</notApplicableFlag>
      </item6>
      <item7>
        <notApplicableFlag>Y</notApplicableFlag>
      </item7>
      <item8>
        <notApplicableFlag>Y</notApplicableFlag>
      </item8>
      <item9>
        <notApplicableFlag>Y</notApplicableFlag>
      </item9>
      <item10>
        <notApplicableFlag>N</notApplicableFlag>
        <certifications>By signing below I certify that, to the best of my knowledge and belief, the securities referred to above were not acquired and are not held for the purpose of or with the effect of changing or influencing the control of the issuer of the securities and were not acquired and are not held in connection with or as a participant in any transaction having that purpose or effect, other than activities solely in connection with a nomination under ?? 240.14a-11.</certifications>
      </item10>
    </items>
    <signatureInformation>
      <reportingPersonName>Legend Architecture Consultant Limited</reportingPersonName>
      <signatureDetails>
        <signature>/s/ Yanqiu Li</signature>
        <title>Yanqiu Li/Director</title>
        <date>07/10/2025</date>
      </signatureDetails>
    </signatureInformation>
  </formData>
</edgarSubmission>
