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中谷控股，成立于2011年11月。成立初即获得蓝驰创投资天使轮融资，2013年获得美国风险投资KPCB战略投资，2015年获得正源资本领投，KPCB及蓝驰创投跟投B轮融资，彰显了资本市场对中谷控股从事金融科技服务的认可。
自2011年中谷控股成立以来，公司在支付领域、大数据风控领域均有所积累，在2014年8月发布全实时消费信贷产品—闪电借（目前已更名为闪电还），为了解决民间金融征信困境，公司与银行深度战略合作，正式推出了开放式消费金融云平台-消费金融云。
平台提供基础性电子账户系统、征信系统、支付系统和电子信贷系统，并对非标准化的信贷流程进行了创新性的标准化改造，适用于小贷公司、担保公司、互联网消费金融公司、民间借贷等。
Zhonggu holding was established in November 2011. At the beginning of its establishment, it obtained Angel round financing of LanChi venture capital, KPCB strategic investment of American venture capital in 2013, Zhengyuan capital leading investment in 2015, KPCB and LanChi venture capital following round B financing, which demonstrated the recognition of capital market for Zhonggu holding's financial technology services. Since the establishment of Zhonggu holding in 2011, the company has accumulated in the fields of payment and big data risk control. In August 2014, the company released the full real-time consumer credit product - Flash loan (now renamed as flash repayment). In order to solve the problem of private financial credit investigation, the company and the bank have made deep strategic cooperation and officially launched the open consumer finance cloud platform - consumer finance cloud. The platform provides basic electronic account system, credit system, payment system and electronic credit system, and innovates and standardizes the non-standard credit process, which is applicable to small loan companies, guarantee companies, Internet consumer finance companies, private lending, etc.
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