Here is the tweet that sums itup (a credible source: VC firm A16z partner) https://twitter.com/conniechan/status/958765216338132992

Tencent Credit has been rolled out nationwide in China:

a score of 300-850 points based on historical data from WeChat and QQ. A good score gives users access to credit, installment payment shopping, and deposit free rentals of bikes and apartments.

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Anonymity on WeChat is already virtually nonexistent. China has phased in a real-name registration requirement for mobile phone numbers since 2013, and all WeChat accounts must be linked to a mobile phone number.