Official website inquired that Guangdong Xindao and Huanbai are cooperative. "Huanbai" is a product of Guangdong Hedao Information Technology Co., Ltd., which mainly provides credit card repayment service for users. Guangzhou Hedao Information Technology Co., Ltd., established in 2008, is located in Guangzhou, Guangdong Province, and is an enterprise mainly engaged in software and information technology services.