Agreed. As someone else mentioned it is currently more of a ācredit scoreā but still directly attached to payment rails which everyone uses.
Have an Alipay score as well. Need to dig that one up.
Discussion
Alipay is a bit more helpful at least the ācreditā can give us some convenience on renting, deposit, etc. due to its ecosystem investment on e-commerce, second hand online store, insurance, delivery, etc.
It would be so much nicer if they are decentralized š