Zhima Credit is a credit scoring system launched by Ant Group in 2015 that has since become the de facto credit scoring system in China. The Chinese government does have an official “credibility blacklist” for those who have failed to fulfill their financial obligations or are guilty of financial misconduct, but there was no official, easily accessible or widely used credit scoring system in place. Zhima Credit collects information from users of Alibaba, Ant’s CreditTech platform as well as the Chinese government’s credibility blacklist to generate credit scores for individuals and companies.

The name Zhima Credit translates to "sesame credit".