This is also a lending platform. This is a lending platform similar to IOUs in JD.COM and Bai Hua, which can be used to borrow money. Users report that the platform has low credibility and is not reliable, so try not to use it.
The smart credit platform is not owned by 360, but owned by Zhixin Financing Guarantee Group. 360 has 360 loans, not only your wealth, but also private bankers and 360 loans. As a 360 loan, it only has three products: Anyi car loan, Anyi mortgage credit loan and Anyi credit loan.
I hope my answer is useful to you.