Zhima Credit, a credit rating firm run by Alibaba, is also one of eight credit institutions approved by the People’s Bank of China. Users with more than 600 credit scores and without non-performing credit records in five years can enjoy the deposit-waivers on bike rentals. Considering the deposit-waivers on bike rentals, this kind of riding, on par with deposit riding, is a little more expensive in terms of free minutes and rental price in order to minimize the loss probability of the bike. Rides longer than free minutes will result in additional fees payed automatically through sub-accounts linked with Alipay, such as Balance, Yu’E Bao, Bank Card, Huabei, etc.
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