Tianchuang Credit Star Map AI Social Behavior Credit Platform

📌 Background

With the explosion of social media and mobile payment data, traditional credit scoring faces coverage gaps. In 2026, regulators are encouraging inclusive finance services based on multi-source data, and AI large models have made it possible to extract risk characteristics from social behavior. Since its inception in 2015, Tianchuang Credit has focused on credit assessment for SMEs. In 2024, the company integrated over a decade of risk control experience and government-enterprise data with large language models to launch the Star Map AI system. Similar projects, such as the Jiu Xin mini-program, are reportedly seeking 1.5 million RMB in seed funding for a 12% equity stake (based on media reports, not independently verified).

👤 Target Customers

Micro-merchants (direct payers), upstream and downstream supply chain enterprises, and financial institutions with low-threshold credit needs (indirect payers).

💰 Revenue Streams

1) Report fees: Charged per credit report, approximately 100 RMB per report (merchant-reported, independent verification pending); 2) Data authorization subscriptions: Monthly data authorization subscriptions provided to financial institutions, with annual fees ranging from 100,000 to 300,000 RMB; 3) API calls: Charged based on usage volume, at 5 RMB per 1,000 calls; 4) Micro-risk control tools: Annual SaaS subscriptions for credit management provided to micro-merchants (opportunity item, revenue volume currently unavailable).

🧮 Cost Structure

1) Costs for social data scraping and cleaning; 2) Large model training and cloud computing expenses; 3) Investments in compliance audits and security protection; 4) Sales and channel maintenance expenses.

🛡️ Moat

Possesses exclusive social platform data scraping interfaces, over a decade of accumulated profiling algorithms in credit technology, and credit models certified for bank risk control compliance.

🔑 Keys to Success

• Construction of social data partnership networks
• Large model risk feature extraction algorithms
• Risk control compliance and regulatory alignment

⚠️ Risks

• Changes in data privacy regulations leading to restricted data access
• Model bias leading to credit misjudgment
• Large fintech companies entering the same market

🏢 Cases

• Tianchuang Credit Star Map AI
• Jiu Xin Social Credit Platform

📊 SWOT Analysis